Bajaj Allianz Star Package Health Insurance Wordings

Expenses related to treatment of pre-existing diseases and its direct complications are not covered until the insured completes 36 months of continuous coverage after the date of inception of the policy covering Health Guard section. 

The Health Guard section of Star Package Policy offered by Bajaj Allianz General Insurance comes with the following sub-limits on room rent: 

• For Silver plan, there is a limit for up to 1% of sum insured per day (excluding cumulative bonus)
• Gold plan and Platinum plan with sum insured options ranging between Rs. 3 Lakh and Rs. 7.5 Lakh allow accommodation till single private air conditioned room. Whereas the plans with sum insured options ranging between Rs. 10 Lakh and above allow accommodation in any room category. 

The critical illness section of Star Package Policy pays you a lump sum benefit amount or diagnosis of any of the listed critical illnesses, after the completion of 30 days survival period. You can use this amount for treatment of the disease, donor expenses, lifestyle changes, or a planned treatment outside India. Under the policy, you can cover your spouse as well as children too, by paying 50% and 25% additional premium respectively. 

Following are the critical illnesses covered under Bajaj Allianz Star Package Policy:

• First heart attack-of specified severity 
• Open chest CABG 
• Primary pulmonary arterial hypertension
• Permanent paralysis of limbs
• Neurosurgery
• Joint replacement 
• Kidney failure requiring regular dialysis 
• Major organ transplant
• Stroke resulting In permanent symptoms 
• Cancer of specified severity  
• Multiple sclerosis with persisting symptoms 
• Surgery of aorta