Bajaj Allianz Health Insurance for Individual

The plan is designed basically for individuals so they can withstand the hefty medical expenses. The policy offers cashless as well as reimbursement treatment and allows the entry for everyone without any pre-medical test up to the age of 45 years. The plan ensures that proper medical facility is provided to the customers without exhausting their bank balance and facing any financial crisis. The coverage of the plan can be extended to the family floater.

Key Features

• Wide coverage up to Rs. 50 Lakh
• Availability of lifelong renewal option
• Policy term options of 1, 2 and 3 years
• Discounts offered on choosing long-term options
• Pre-hospitalisation coverage for 60 days
• Post-hospitalisation coverage for 90 days
• No medical screening is required until 45 years of age
• Cashless facility across 6000+ network hospitals

Scope of Coverage

• Preventive health check-up is offered every 3 years
• Bariatric surgery cover is offered under the plan
• Cover ambulance expenses up to a limit of Rs 20,000
• Expenses of all sorts of daycare treatment are covered
• Coverage for homeopathic and ayurvedic hospitalisation
• The benefit of convalescence is covered up to Rs. 7,500 per year
• 10% cumulative bonus offered every claim free year up to 100%
• The cost incurred on organ donor during organ transplantation

Eligibility

The entry age for proposer is required to be between 18 years and 65 years.

Exclusions

• Injuries caused by self-inflicting actions such as suicide attempt, etc.
• Treatment of specific diseases such as hernia, piles, cataract, etc.
• Treatment of intoxicating or addictive substances like drugs, alcohol, tobacco, etc.
• Coverage of pre-existing diseases before the waiting period of 3 years
• Maternity and newborn expenses without completion of the waiting period

If the above-mentioned points couldn’t answer all your queries, you can get more information about the product and exclusions in detail by referring to the brochure and policy wording. Also, you can contact our customer support team at our helpline number - 1800-1205-698.