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Bajaj Allianz M-Care Health Insurance

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Bajaj Allianz Health Insurance
M-Care
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz M-Care Health Insurance

M-Care plan is Bajaj Allianz’s health insurance policy that helps one prevent financial instability, in case of vector-borne ailments. This medical insurance plan offers a lump sum benefit to the insured individual if the latter is diagnosed suffering from a vector-borne disease, which occurs or manifests itself during the policy period. Offering coverage for 7 vector-borne diseases, M-Care plan by Bajaj Allianz can be availed on both, individual and family floater sum insured basis.

Dengue Fever, Malaria, Filariasis, Kala Azar, Chikungunya, Japanese Encephalitis, and Zika Virus are the prime vector-borne ailments covered under the plan. Bajaj Allianz’s M-Care plan can be purchased on a floater basis for proposer/spouse/dependent children/dependent parents. Featuring a free look period of 15 days, M-Care plan comes with extensive privileges with an affordable health insurance premium. All in all, M-Care is a Bajaj Allianz’s ultimate solution for ensuring financial support to its policyholders, who find it hard to safeguard their health against mosquito-borne diseases.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Access to cashless facility (subject to cashless authorisation and limit of benefits)
  • Lump sum benefit if diagnosed as suffering from a listed Vector-Borne disease
  • Lifetime renewal benefit is available under the Policy in normal circumstances
  • Sum insured options of minimum Rs. 10,000 and a maximum of Rs. 75,000
  • Coverage for 7 vector-borne diseases under the M-Care plan, such as Dengue, Filariasis, Kala Azar, Chikungunya, Japanese Encephalitis, and Zika Virus

What's Not Included

  • Admission to hospital for less than 24 hours
  • Any treatment other than for vector-borne diseases as listed in coverage section
  • Listed vector-borne disease diagnosed within the first 15 days of the policy purchased
  • A 60-day waiting period for listed vector-borne diseases if they come into a pre-existing disease category
  • Treatment outside India, except New Zealand, Japan, Singapore, Canada, Switzerland, Dubai, USA, Hong Kong, Malaysia, and the European Union Countries

5639 Bajaj Allianz Cashless Network Hospitals in India

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M-Care User Reviews

4.7
Rating based on
298 User reviews
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What users are saying
  • All
  • Top insurance companies listed

    The InsuranceDekho website has a list of the top and best insurance companies which enables users to choose from the best. I decided to buy the Bajaj Allianz- M Care for its superb features and benefits. 

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    A
    By Ashutosh Joshi
    On: Jun 28, 2023
  • Stress-free policy issuance

    I came to InsuranceDekho to book the M-Care health plan offered by Bajaj Allianz that is specifically designed for vector-borne ailments. It was a stress-free affair. I generated my quote, found my policy and paid for the premium. 

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    A
    By Aloke Singh
    On: Mar 03, 2021
  • Loved it!

    In the past, i have been infected with malaria. Managing expenses at that time became very tough for me. Thanks to bajaj for giving such good plan to customers. I have recently bought this policy to prevent future financial issues if anything hapens. The really good thing is that coverage is excellent and premium is very less.

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    S
    By Sheenu Singh
    On: Feb 26, 2020
  • M-care is really good plan

    I want to first thank insurancedekho for their support in buying this plan. I am finally satisfied that this plan will help me cover cost in case of malaria, dengue, and other illnesses. I found the premium to be very less for such a good coverage. Rest, other features covered and services provided are also a great support. 

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    K
    By Kunal Singh
    On: Feb 19, 2020
  • Important plan covered by baja...

    I have had a previous bad experience with dengue fever and dealing with its expenses. This time i don’t want to put my family to risk so i bought it. Apart Dengue, it will cover me for Malaria, Chikungunya, Japanese Encephalitis, Filariasis, Kala Azar, and Zika Virus. The premium amount is also affordable for me.

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    D
    By Diksha
    On: Feb 13, 2020
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Bajaj Allianz M-Care Expert Review

  • Expert Review

    In a densely populated nation like India, the density of vectors is very high and perpetual. There exist several methods to safeguard ourselves, but they are short-term and provide no surety to aid us after falling ill. Besides, it takes a lot of money for getting proper treatment against it. Hence, Bajaj Allianz M-Care Health Insurance Policy is designed to prevent any financial setbacks, which individuals, as well as families, need to face.

    The policy is equipped with the features to deal with the most common vector-borne diseases. The illnesses covered under this plan is Dengue Fever, Kala Azar, Japanese Encephalitis, Chikungunya, Zika Virus, Filariasis, and Malaria. The plan provides the coverage to proposer, spouse, dependent children and parents, who must be between the age group of 0 days and 65 years. Under the plan, there is sum insured options ranging from Rs. 10,000 to Rs. 75,000, which is offered in a lump sum to the insured person on being diagnosed with any of the above-mentioned vector diseases.

  • Major Attractions

    The M-Care Health Insurance Policy is crafted in a manner to deliver every possible benefit to people suffering from a vector disease. The policy is available with an individual as well as family floater option for a one-year policy term. However, the patient needs to stay for more than 24 hours in the hospital to avail the benefits of this policy. Apart from these elements, the plan holds some valuable features too, which are as follows:

    • Availability of 15 days free look period
    • The policy term of M-Care plan is annual
    • Coverage available for 7 vector-borne diseases
    • The premium paying term for M-Care is annual
    • Easy portability options are provided under the plan
    • Cashless facility is offered at the time of hospitalization
    • Hassle-free claim settlement procedure is available under the plan
    • Lump sum amount is provided if a patient is diagnosed with any of the listed vector diseases​

  • What’s More?

    The M-Care Health Insurance Policy by Bajaj Allianz provides peace of mind to its policyholder with its features. It also possesses some beneficial elements that can serve the insured members with profits too, such as:

    • Availability of lifelong renewability
    • 20% conditional discount is available on the plan
    • As per sec 80D, tax benefits can be earned on the premium paid​
     

  • Conclusion

    The offerings of the plan are quite beneficial and alluring. It is much better to opt for this plan than to pay hefty bills in the hospital. Hence, opt for this plan today and don’t let vectors impact your financial stability.

    When it comes to health insurance policy purchase, the best source to get it is online. The insurancedekho.com serves most of the purposes from providing information, assisting in claim settlement procedure, guiding to finding a perfect plan, and so on. Hence, if you are looking for a policy purchase, insurancedekho.com is the ideal place to get it.

Bajaj Allianz M-Care Brochure

  • 213.18 KB
  • PDF Document
  • Jun 14, 2019
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Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on M-Care Health Insurance Plan

  • Is M-Care an individual or floater policy?

    M-Care can be availed on both, individual and floater sum insured basis.

  • Who can I cover under M-Care policy?

    Self, spouse, dependent children and dependent parents can be covered under the M-Care policy.

  • What are the vector-borne ailments covered under M-Care?

    Dengue Fever, Malaria, Kala Azar, Chikungunya, Japanese Encephalitis, Zika Virus, and Filariasis are the mosquito-borne diseases covered under the M-Care plan. Note that Filariasis is payable only once in a lifetime. 

  • What is the eligibility age under M-Care plan?

    While the minimum entry age for the plan is 18 years, the maximum entry age is 65 years.

  • What is the maximum renewal age for M-Care plan?

    The maximum renewal age, under normal circumstances is lifelong. 

  • What are the sum insured options under M-Care plan?

    The sum insured options under M-Care include Rs. 10,000, Rs. 15,000, Rs. 25,000, Rs. 50,000, and Rs. 75,000. 

  • What is the policy period for M-Care plan?

    M-Care is an annual plan.

  • What is the premium paying term?

    The premium paying term for M-Care is annual. 

  • How many claims are admissible under M-Care?

    In case of 1 member and 2 member-floater, the number of claims admissible is 1.

    In case of 3 or 4 member-floater and 5 or 6 member-floater, the number of claims admissible is 2. 

  • Can I buy M-Care online?

    Yes, you can! Visit Bajaj Allianz’s website to buy the plan right away! You can also contact InsuranceDekho for more details regarding the same.

     

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