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Comprehensive Health Insurance: Health Care Supreme Insurance cover against all medical issues

Enjoy expansive financial cover against illnesses and accidents

What’s in it for you?

Free annual health check-up

Sum insured options up to Rs 50 lakh

Quick claim settlement

Why choose Bajaj Allianz Healthcare Supreme?

Each stage of life brings new challenges and threats. Today, our fast-paced lives are more prone to health issues and ailments. Are we truly prepared to face these head-on? It is now imperative to have a holistic health insurance policy that safeguards us from the colossal expenses of medical treatments and hospitalisation.

And let’s not forget life’s unforeseen accidents that can leave us and our loved ones in dire straits. Prepare for these situations by opting for a health insurance cover that provides cover against both, illnesses and accidents.

Healthcare Supreme is a comprehensive plan with a wide range of coverage to fulfil all your healthcare needs, at every stage of life. With this policy, you can stand tall and face any medical emergency without suffering from a major financial setback. Healthcare Supreme offers many value-added features such as critical illness cover, maternity benefits, out-patient cover, dental treatments, pre hospitalisation cover for 60 days and post hospitalisation expense cover for 90 days and much more.

We offer a whole lot when it comes to Healthcare Supreme policy

Key Features

Health insurance and peace of mind 24 hours a day, 365 days a year with Healthcare Supreme policy’s extensive range of features:

  • Sum insured reinstatement

    100% sum insured will be restored, in case the sum insured under hospitalisation expenses is exhausted during the course of the policy.

  • Air ambulance cover

    This policy covers expenses for air evacuation in case of an emergency.

  • Out-patient expenses cover

    If you consult a specialist consultant/medical practitioner on an out-patient basis for an illness/injury contracted during the policy period, we will pay the out-patient expenses for,

    • Specialist consultations.
    • Investigations related to the illness/injury as prescribed by the specialist.
    • Medicines related to the illness/injury as prescribed by the specialist.
    • Dental procedures – root canal treatment and extractions.
    • Consultations for psychiatric disorders.
  • Cumulative bonus

    Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year (up to 50% of the sum insured under hospitalisation section).

  • Pre and post hospitalisation cover

    This policy covers pre and post hospitalisation expenses up to 60 and 90 days, respectively.

  • Ayurvedic and homoeopathic treatment

    This policy covers in-patient hospitalisation expenses incurred in a recognised Ayurvedic/homeopathic hospital where the admission period is not less than 24 hours.

  • Maternity cover

    Avail maternity benefits with a newborn baby cover as per the sum insured, effective from the 3rd year of the policy.

  • Special benefits

    This policy provides special benefits such as recovery benefit and covers physiotherapy and organ donor expenses.

  • Ambulance cover

    This policy covers ambulance charges up to the sum insured under hospitalisation section.

Watch and learn more about our health insurance plans.

Claim by Direct Click (CDC)

Bajaj Allianz General Insurance has introduced an app-based claim submission process known as Health Claim by Direct Click.

This facility allows you to register and submit claim documents through the app itself for claims up to Rs 20,000.

What you need to do:

  • Register your policy and card number in the Insurance Wallet App.
  • Register your policy and health card number in the app.
  • Register the claim.
  • Fill the claim form and arrange hospital-related documents.
  • Upload the documents using the app menu.
  • Submit the claims for further processing.
  • Get confirmation within a few hours.
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Cashless claim process (only applicable for treatment at a network hospital)

Cashless facility at network hospitals is available 24x7, throughout the year without any interruption in service. The list of hospitals where cashless settlement can be availed is dynamic and is liable to change without notice. You must check the hospital list before getting admitted. The updated list is available on our website and call center. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.

When you are opting for cashless claims, follow the steps mentioned below:

  • Get the pre-authorisation request form filled and signed by the treating doctor/hospital and signed by member/patient, at the hospital’s insurance desk.
  • Network hospital will fax the request to the health administration team (HAT).
  • HAT doctors will examine the pre-authorisation request form & decide on cashless availability, as per the policy guidelines.
  • Authorisation letter (AL)/denial letter/additional requirement letter is issued within 3 hrs depending on the plan and its benefits.
  • At the time of discharge, the hospital will share the final bill and discharge details with HAT and based on their assessment, final settlement will be processed.

Important points to note

  • In case of planned hospitalisation, register/reserve your admission as per the network hospital’s procedure for admission in advance.
  • Admission at network hospital is subject to availability of a bed.
  • Cashless facility is always subject to your policy terms and conditions.
  • The policy does not cover the following : Telephone Food and beverages for relatives Toiletries The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
  • The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
  • In-room rent nursing charges are included. However, if a higher cost room is used then the incremental charges will be borne by you.
  • In case the treatment is not covered as per the policy terms and conditions, your claim, cashless or reimbursement, will be denied.
  • In case of inadequate medical information, pre-authorisation for cashless claim can be denied.
  • The denial of cashless facility does not mean denial of treatment and does not in any way prevent you from seeking necessary medical attention or hospitalisation.

Reimbursement of pre/post hospitalisation expenses

Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.

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Reimbursement claim process

  • Inform the Bajaj Allianz General Insurance HAT about the hospitalisation. To register your claim online click here To register your claim offline, please call us on our toll-free number: 1800-209-5858.
  • After discharge, you must submit the following documents to HAT within 30 days: Duly filled and signed claim form with mobile number and email ID. Original hospital bill and payment receipt. Investigation report Discharge card Prescriptions Bills of medicines and surgical items Details of pre-hospitalization expenses (if any) In-patient papers, if required.
  • All documents to be sent to HAT for further processing and based on the assessment, the final settlement will be done within 10 working days.
  • Post hospitalisation claim documents must be sent within 90 days from the date of discharge.

Documents required for reimbursement claim

  • Original pre-numbered hospital payment receipt duly sealed and signed.
  • Original prescriptions and pharmacy bills.
  • Original consultation papers (if any).
  • Original investigation and diagnostic reports along with original bills and payment receipt for the investigation done within and outside the hospital.
  • If you availed a cashless claim but did not utilise it, a letter from the hospital stating the same.
  • A letter from the treating doctor mentioning incident details (in case of an accident).
  • Hospital registration certificate and hospital infrastructure on the letterhead.
  • A cancelled cheque bearing your name and the bank’s IFSC code.
  • Indoor case paper copy attested from the hospital from the date of admission to the date of discharge with detailed medical history and doctor’s notes with temperature, pulse and respiration charts.
  • X-ray (in case of a fracture).
  • Obstetric history from the treating doctor (in maternity cases).
  • FIR copy (in case of an accident).
  • Additional requirements for some special cases: In case of a cataract operation, lens sticker with a bill copy. In case of a surgery, implant sticker with a bill copy. In case of a heart-related treatment, stent sticker with a bill copy.

Documents to be submitted:

Critical illness claim:

  • A duly completed claim form signed by the insured.
  • A copy of discharge summary/discharge certificate.
  • A copy of the final hospital bill.
  • A copy of the policy documents.
  • First consultation letter for illness.
  • Medical certificate for the duration of illness (if required).
  • All required investigation reports as per the illness (if required).
  • Letter from the employer clarifying the type of work.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Death claim:

  • Duly completed claim form signed by the claimant.
  • Attested copy of the death certificate.
  • Attested copy of the post-mortem report, if conducted.
  • Attested copy of the viscera/chemical analysis report (if viscera is preserved).
  • Diatoms report from a forensic lab in case of death on account of drowning (if sample is preserved).
  • Attested copy of the statement of witness (if any).
  • Burial certificate (wherever applicable).
  • Legal heir certificate containing affidavit and indemnity bond both duly signed by all legal heirs and notarised is mandatory to process the claim.
  • Insured’s/claimant’s photo-identity proof.
  • Insured’s/claimant’s address proof.
  • Other documents as may be required by Bajaj Allianz General Insurance to process the claim.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

PTD, PPD and TTD claim:

  • Duly completed claim form signed by the claimant.
  • Attested copy of FIR/Panchanama/Inquest Panchanama.
  • A copy of Medico Legal Certificate.
  • A copy of discharge summary towards hospitalisation immediately after the injury.
  • X-ray films/investigation reports supporting the diagnosis.
  • Disability certificate from a government authority certifying insured’s disability.
  • Other documents as may be required by Bajaj Allianz General Insurance to process the claim.
  • Leave certificate from the employer.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

All original documents need to be submitted to the following address:

Health Administration Team

Bajaj Allianz House, Airport Road, Yerawada, Pune-411006

Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.

Note: Keep a photocopy of the documents and courier reference number for your records.

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LET'S SIMPLIFY HEALTH INSURANCE

What is Healthcare Supreme policy?

Healthcare Supreme is a comprehensive health insurance plan with a wide range of coverage options to fulfil all the healthcare needs of you and your family.

What is the eligibility for Healthcare Supreme insurance?

The eligibility to opt for Healthcare Supreme Insurance is as given below:

Entry age for proposer is between 18 years to lifetime.

Entry age for children is between 3 months to 25 years.

How does this Healthcare Supreme insurance plan help in saving my tax?

The health insurance premium that you pay for yourself, your dependents (spouse and children) and your parents, are all considered for tax benefit under Section 80D of the Income Tax Act.

How many family members can I insure under this policy?

Under the individual option, you can insure yourself, your spouse, children and parents.

The family floater policy covers you, your spouse and children. Also, a separate family floater policy can be opted to cover your parents.

Our happy customers!

Rama Anil Mate Mumbai

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu Mumbai

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra Mumbai

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Comprehensive health insurance that fulfils all your needs.

Free annual preventive health check-up.

That’s not all, here are additional benefits with your Healthcare Supreme policyWe provide superior health insurance coverage against illnesses and accidents with additional benefits:

Free health check-up

Avail free health check-up at our designated medical centres upon every policy renewal irrespective of your claim history.

Tax saving

Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act* Read more

Tax saving

Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act*

*On opting for Healthcare Supreme policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens.  If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Individual and floater option

You can opt for an individual or family floater policy with the sum insured ranging between Rs 5 lakh and Rs 50 lakh.

Daycare expenses cover

This policy covers medical expenses incurred during the treatment of listed daycare procedures or surgeries.

Renewability

You can renew your Healthcare Supreme policy for your entire lifetime.

Hospitalisation cover

This policy covers your room rent and other hospital expenses without any restriction.

Add-on coversOur Healthcare Supreme policy also comes with some optional add-on covers that expand coverage and offer total protection on hospitalisation.

Ancillary expenses benefit

This policy provides a daily cash benefit based on the plan you opt for. The sum insured and benefit varies for each plan as given below:

Read more

This policy provides a daily cash benefit based on the plan you opt for. The sum insured and benefit varies for each plan as given below:

  • Vital Plan: For an individual, the sum insured is Rs 1,000 per day for 30 days for non-ICU occupancy, Rs 2,000 per day for 15 days for ICU occupancy and total sum insured is Rs 30,000. For family floater, the sum insured is Rs 1,000 per day for 60 days for non-ICU occupancy, Rs 2,000 per day for 30 days for ICU occupancy and total sum insured is Rs 60,000.
  • Smart Plan: For an individual, the sum insured is Rs 2,000 per day for 30 days for non-ICU occupancy, Rs 4,000 per day for 15 days for ICU occupancy and total sum insured is Rs 60,000.For family floater, the sum insured is Rs 2,000 per day for 60 days for non-ICU occupancy, Rs 4,000 per day for 30 days for ICU occupancy and total sum insured is Rs 1.2 lakh.
  • Ultimo Plan: For an individual, the sum insured is Rs 2,500 per day for 30 days for non-ICU occupancy, Rs 5,000 per day for 15 days for ICU occupancy and total sum insured is Rs 75,000. For family floater, the sum insured is Rs 2,500 per day for 60 days for non-ICU occupancy, Rs 5,000 per day for 30 days for ICU occupancy and total sum insured is Rs 1.5 lakh.

Critical illness benefit

Coverage against 15 critical illnesses:

Read more

  • Coverage against 15 critical illnesses.
  • Sum insured options between Rs 5 lakh to Rs 10 lakh.
  • A lump sum amount will be provided to you as per your policy’s terms, immediately after the diagnosis of the critical illness.
  • A waiting period of 90 days is applicable.

Personal accident cover

In case of death due to an accident, 100% of the sum insured will be payable to your nominee. Read more

  • In case of death due to an accident, 100% of the sum insured will be payable to your nominee.
  • In case of permanent total disability due to an accident, 200% of the sum insured will be payable.
  • In case of permanent partial disability due to an accident, refer to the below table:

Scale of benefits description

Compensation as % of the sum insured

An arm at the shoulder joint

70

An arm above the elbow joint

65

An arm beneath the elbow joint

60

A hand at the wrist

55

A thumb

20

An index finger

10

Any other finger

5

A leg above the mid-thigh

70

A leg up to mid-thigh

60

A leg up to beneath the knee

50

A leg up to mid-calf

45

A foot at the ankle

40

A large toe

5

Any other toe

2

An eye

50

Hearing loss in one ear

30

Hearing loss on both ears

75

Sense of smell

10

Sense of taste

5

  • In case of temporary total disability, avail cover as per your policy’s terms, for a maximum of 100 weeks.
  • Avail transportation benefit up to Rs 5,000.
  • Up to 2 children are eligible to receive children education benefit of Rs 5,000 each.

Unique feature like Air Ambulance cover & sum insured reinstatment.

Important points to note before buying Healthcare Supreme policy

  • Inclusions
  • Exclusions

Personal accident cover

Provides coverage in case of death or disability due to an accidental injury.

Critical illness cover

Covers 15 life-threatening medical conditions.

Children education benefit

In case of accidental death or injury, up to 2 of your children are eligible for a children education benefit of Rs 5,000 each.

Transportation benefit

In case of accidental death or injury, avail transportation benefit up to Rs 5,000.

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Hospitalisation cover and hospital cash daily allowance cover

We will not be liable to make any payment for any claim directly or indirectly caused by/based on/arising out of or attributable to any of the following:

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Hospitalisation cover and hospital cash daily allowance cover

We will not be liable to make any payment for any claim directly or indirectly caused by/based on/arising out of or attributable to any of the following:

  • Circumcision unless required for the treatment of an illness or accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.
  • War or act of war, nuclear, chemical or biological weapon and radiation of any kind.
  • Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury.
  • Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy.
  • Intentional self-injury.
  • Ailments requiring treatment due to use or abuse of drugs or alcohol and treatment for de-addiction.
  • Medical expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations.
  • Vitamins, tonics, nutritional supplements unless forming a part of the treatment for injury or disease as certified by the attending doctor.
  • Treatment for any other system other than allopathy. This exclusion is not applicable for Ayurvedic and homoeopathic medicine expenses.
  • Fertility, sub-fertility, impotence, assisted conception operation or sterilisation procedure.
  • Weight management services and treatment related to weight reduction programmes.

Critical illness cover

  • Any pre-existing critical illness.
  • Any critical illness diagnosed within the first 90 days of policy issuance.
Read more

Critical illness cover

  • Any pre-existing critical illness.
  • Any critical illness diagnosed within the first 90 days of policy issuance.
  • Expenses arising from any sexually transmitted diseases or HIV and AIDS.
  • Consequential losses of any kind or your actual or alleged legal liability.
  • Treatment arising from or traceable to pregnancy and related complications.

Personal accident cover

  • An injury caused due to a suicide, an attempted suicide or a self-inflicted injury.
  • A condition arising or resulting from committing any breach of law with a criminal intent.
Read more

Personal accident cover

  • An injury caused due to a suicide, an attempted suicide or a self-inflicted injury.
  • A condition arising or resulting from committing any breach of law with a criminal intent.
  • Injury/condition caused during hazardous sports activities.
  • Consequential losses of any kind or your actual or alleged legal liability.
  • Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalisation or requisition of or damage by or under the order of any government or public or local authority.

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Customer Stories

Juber Khan
Rama Anil Mate

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Juber Khan
Suresh Kadu

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Juber Khan
Ajay Bindra

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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