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Health Infinity Plan

Health cover for you and your family

Unlimited Care, Unlimited Coverage!
Health insurance infinity policy

Safeguard yourself and your family

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What’s in it for you?

Special Plan without any Sum insured limit

In-patient Hospitalization treatment

Covers pre and post hospitalisation expenses

Income tax benefit under Sec 80 D 

Preventive health checkup

Wellness Discount

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Why choose Bajaj Allianz Health Infinity Plan?

We all want to give the best of facilities to our families and their sound health is of supreme importance to us hence we want to have the best when it comes to Health Insurance.

Keeping this in mind, Bajaj Allianz General Insurance has come up with Health Infinity plan, which provides comprehensive benefits, it is a perfect product to take care of medical expenses for you and your family in case of unfortunate event of hospitalization for illness/ injury.

An insured person can claim for all hospitalization expenses under this policy. However, if the claim approved amount exceeds 100 times the room rent limit opted (in a single claim or multiple claims) then the co -payment of 15% / 20% / 25% as opted would apply on the claim amount. The co-payment would apply on the claim approved amount exceeding 100 times of the room rent limit and not on the complete claim.

We have listed down the highlights of Health Infinity Plan

Key Features

 

  • No limit on sum insured

    Under this plan, one can avail Indemnity Health Insurance Plan without any limit on Sum Insured.

  • Coverage for family members

    This policy provides coverage to self,spouse,dependent children and parents on Individual basis

  • Covers pre and post hospitalisation expenses

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

  • Preventive Health Checkup

    You are eligible for a Preventive Health Check Up at the end of every 3 policy years, We will reimburse the amount equal to per day room rent opted max. up to INR 5,000 per person whichever is lower.

  • Covers road ambulance expenses

    This policy covers ambulance expenses incurred up to Rs. 5000 per hospitalization. 

  • Covers daycare procedures

    This policy covers medical expenses incurred while getting treated for listed day care procedures

  • Per day room rent options

    Under this policy, one can avail room rent options ranging from Rs. 3000 up to Rs. 50000

  • Multiple policy term options

    This policy can be taken for a duration of 1, 2 or 3 years.

Bajaj Allianz Health Infinity Plan

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

 Reimbursement claim process 

 

1.        Inform the Bajaj Allianz General Insurance HAT about the hospitalisation.

        a)     To register your claim online click here,

        b)     To register your claim offline, please call us on our toll-free number: 1800-209-5858.

2.         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.
  • Details of pre hospitalisation expenses (if any)
  • In-patient papers, if required.

3.         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.

4.         Post hospitalisation claim documents must be sent within 90 days from the date of discharge.

 

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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 so.
  •  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 IFSC code and name of the insured.
  •  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 treating doctor (in maternity cases).
  •  FIR copy (in accident case).

 Additional requirements for some special cases:

     a) In case of a cataract operation, lens sticker with a bill copy. 

     b) In case of a surgery, implant sticker with a bill copy. 

     c) In case of a heart-related treatment, stent sticker with a bill copy.

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

Health Administration Team

Bajaj Finserv Weikfield IT park, Viman Nagar, Pune, Maharashtra 411014\

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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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 liable to change without notice. You must check the hospital list before getting admitted. The updated list is available on our website and with our 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 given below:

  •   Get the pre-authorisation request form filled and signed by the treating doctor/hospital and signed by you, at the hospital’s insurance desk.
  •   The network hospital will fax the request to HAT.
  •   HAT doctors will examine the pre-authorisation request form and decide on cashless availability, as per the policy guidelines.
  •   Authorisation letter/denial letter/additional requirement letter is issued within 3 hours 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 charges

    ✓      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.

  •   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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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 for the 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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LET'S SIMPLIFY HEALTH INFINITY INSURANCE

What is the age limit for adult and children (entry and max age)?

✓ Minimum Entry age for proposer/ spouse/ dependent parents - 18 years

✓  Maximum Entry Age for proposer/ spouse/ dependent parents/ - 65 years

✓  Minimum Entry age for dependent Children - 3 months

✓  Maximum Entry Age for dependent Children - 25 years 

What are the co-payments options and is it mandatory?

Yes, choosing a co-payment option is mandatory. Co-payment of 15%/20%/25% is applicable on the claim amount which exceeds 100 times of the per day room rent limit opted and not on the entire claim.

Co-payment options of 25% and 20% are available for all Room rent options. Co-payment option of 15% is available for Room Rent option of INR 10,000 and above.

If the Insured seeks admission in a room category exceeding the room rent plan opted at the time of Policy inception, then a proportionate co-payment would apply on all Hospitalization expenses incurred, excluding consumables & medicines. This co-payment would apply before the co-payment mentioned above.

How much is the waiting period for pre-existing diseases?

Pre-existing illness/conditions or symptoms would be covered after the completion of 36 months waiting period from commencement date of the first Health Infinity Policy, provided such illness/conditions/symptoms are declared on the proposal form at the time of application & accepted by us. 

Who is eligible to buy this policy?

 
  • Indian nationals
  • This policy can be opted by Non-Resident Indians including PIOs (Persons of Indian Origin) and OCIs (Overseas citizens of India) also, however the Policy will be issued during their stay in India and premium is paid in Indian currency & by Indian Account only
  • We will cover Insured for treatment availed in India. Our liability shall be to make payment within India and in Indian Rupees only.

Our happy customers!

Rama Anil Mate

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

Suresh Kadu

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

Ajay Bindra

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

Don’t wait for a medical emergency to knock on your door!

Get a Quote

On-the-go claim settlement through Health CDC.

That’s not all, here are the additional benefits with your Health Infinity Plan

Our Health Infinity Plan provides extensive coverage with multiple benefits:

Renewability

One can avail lifetime renewal option along with this policy.

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.* Read more

Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Health Infinity Plan 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

Hassle-free claim settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,000 network hospitals across India.

We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Preventive health check-up

Free preventive health check-up at the end of every block of 3 policy years

Portability benefit

If you are insured under any other health insurance policy, you can switch to this policy with all accrued benefits (after due allowances for waiting periods) to enjoy all the benefits of the policy.

Long-term policy

This policy can be purchased for a period of 1, 2 or 3 years.

Multiple discounts

Opt for our health insurance policy for more than a year to avail a discount Read more

Multiple discounts

Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as 

    1)  Family Discount of 5%

    2)  Long Term Discount-for 2 years 4% and for 3 years 8%

    3)  Wellness Discount of 5%

Waiting Period

All claims payable will be subject to the waiting periods specified below

Initial Waiting Period of 30 days : 

1.  Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident provided the same are covered.

2.  This exclusion shall not however, apply if the insured has Continuous Coverage for more than twelve months. 

3.  The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently.

Pre Existing Diseases/ Specific Procedures Waiting Period

Expenses related to the treatment of a pre-existing Disease (PED)/Specific procedure/conditions such as Joint Replacement,Hypertrophied turbinate,Congenital internal diseases or anomalies etc and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Infinity Policy with Us.This is an indicative list for detailed terms and conditions please refer the policy wordings

Specified disease/procedure waiting period

Expenses related to the treatment of the listed Conditions, surgeries/treatments such as cataract,hernia,hysterectomy etc shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Infinity Policy with Us. This exclusion shall not be applicable for claims arising due to an accident. This is an indicative list for detailed terms and conditions please refer the policy wordings

 

Wellness Discount

Important points to note before buying Family Health Insurance

  • Inclusions
  • Exclusions

In-patient Hospitalisation Treatment

If the Insured is hospitalized on the advice of a Medical Practitioner as defined under policy because of Illness or Accidental Bodily Injury

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In-patient Hospitalisation Treatment

If the Insured is hospitalized on the advice of a Medical Practitioner as defined under policy because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period, then the Company will pay the Insured, Reasonable and Customary Medical Expenses incurred subject to

i.     Room rent expenses as provided by the Hospital/ Nursing Home maximum up to the per day room rent limit opted

ii.     If admitted in ICU, the Company will pay up to ICU actual expenses provided by Hospital.

iii.     Nursing Expenses as provided by the hospital

iv. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.

v.     Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances,

vi.     Dialysis, Chemotherapy, Radiotherapy, physiotherapy

vii.     Medicines, Drugs and consumables

viii.     Cost of Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic Implants, infra cardiac valve replacements, vascular stents.

ix.     Relevant laboratory diagnostic tests, X-ray and such similar expenses that are medically prescribed by the treating medical practitioner.

Pre-Hospitalisation

The Medical Expenses incurred during the 60 days immediately before the Insured was hospitalized, provided that: Such medical expenses were

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Pre-Hospitalisation

The Medical Expenses incurred during the 60 days immediately before the Insured was hospitalized, provided that: Such medical expenses were incurred for the same illness/injury for which subsequent Hospitalization was required, and the Company has accepted an In-patient Hospitalization claim under “In-patient Hospitalization Treatment

Post-Hospitalisation

The Medical Expenses incurred during the 90 days immediately after the Insured was discharged post Hospitalization provided that: Such costs are incurred 

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Post-Hospitalisation

The Medical Expenses incurred during the 90 days immediately after the Insured was discharged post Hospitalization provided that: Such costs are incurred in respect of the same illness/injury for which the earlier Hospitalization was required, and the Company has accepted an In-patient Hospitalization claim under Inpatient Hospitalization Treatment

Road Ambulance

a. The Company will pay the reasonable cost up to a maximum of Rs 5000/- per Hospitalization incurred on an Ambulance offered by

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Road Ambulance

a.     The Company will pay the reasonable cost up to a maximum of Rs 5000/- per Hospitalization incurred on an Ambulance offered by a healthcare or ambulance service provider for transferring the Insured to the nearest Hospital with adequate emergency facilities for the provision of health services following an Emergency. 

b.     The Company will also reimburse the expenses incurred on an ambulance offered by a healthcare or ambulance Service provider for transferring the Insured from the Hospital where he/ she was admitted initially to another hospital with higher medical facilities. 

Claim under this section shall be payable by the Company only when:. 

i .     Such life threatening emergency condition is certified by the Medical Practitioner, and 

ii.     The Company has accepted Insured’s Claim under “In-patient Hospitalization Treatment” or “Day Care Procedures” section of the Policy Brochure. Subject otherwise to the terms, conditions and exclusions of the Policy.

Day Care Procedures

The Company will pay the Insured medical expenses as listed above under “In-patient Hospitalization Treatment”  for Day care procedures / Surgeries 

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Day Care Procedures

The Company will pay the Insured medical expenses as listed above under “In-patient Hospitalization Treatment”  for Day care procedures / Surgeries taken as an inpatient in a hospital or day care Centre but not in the outpatient department.

Preventive Health Check Up

At the end of block of every continuous period of 3 years during which you have held Our Health Infinity Policy, You are eligible for a free Preventive Health 

Read more

Preventive Health Check Up

At the end of block of every continuous period of 3 years during which you have held Our Health Infinity Policy, You are eligible for a free Preventive Health checkup. We will reimburse the amount equal to per day room rent opted (maximum up to Rs. 5000/- whichever is lower) for each member in Individual policy during the block of 3 years. 

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Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

Investigation & Evaluation - a. Expenses related to any admission primarily 

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Investigation & Evaluation

a.     Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a Hospital.

b.     Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.

Cosmetic or plastic Surgery - Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an

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Cosmetic or plastic Surgery

Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.

Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as

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Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization

Medical expenses where inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified medical 

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Medical expenses where inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioner round the clock.

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* Above List of Inclusion Exclusion are indicative in Nature, Please refer Policy Wordings for complete details

 

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Easy online buying of health insurance policy with no manual intervention required.

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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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