Bajaj Allianz Surgical Protection Health Insurance

If an insured individual is diagnosed with a critical illness listed under the policy and managed to survive for a minimum period of 30 days from the date of diagnosis, then the insurer will be paying Rs. 1 Lakh to him as a benefit amount. The policy owns 15 listed critical illnesses such as cancer, first heart attack, coma, kidney failure, stroke and so on. 

Under this cover, the insured person is entitled for the following coverage:

Death Cover - 100% of the Sum Insured of Rs. 5 Lakh is given to nominee if the insured person meets with an accidental injury and dies within 12 months. In addition to this, the company also pay towards the actual cost of transporting his or her remains from the place of death to a hospital, cremation ground or burial ground, or to the insured’s house subject to a maximum of Rs. 5,000. The insurance company will also make a one-time payment of Rs. 5,000 each towards the cost of education of up to 2 of insured person’s dependent children who were studying on the date insured person met with the accidental bodily injury.

Permanent Total Disability Cover: 125% of the Sum Insured of Rs. 625000 is offered if the insured person meets with an accidental injury period and suffers permanent total disability within 12 months. The company will also make a one-time payment of Rs. 5,000 each towards the cost of education of up to 2 of insured person’s dependent children who were studying on the date insured person met with the accidental bodily injury.

Permanent Partial Disability Cover: A percentage of the sum insured for each and every form of listed impairment is given to the insured person if he or she meets with an accidental injury that causes permanent partial disability within 12 months. 

The Surgical Protection Cover possesses several features that can support the policyholders in undergoing around 600 surgical treatments. Apart from that, optional coverage is also rendered that enhances the coverage and value of the plan and lessen the worry of the policyholders. Here are some of the basic offerings by the plan:

• Surgical Benefit Cover for around 600 surgeries
• The cover offered for self, spouse, and dependent children
• Cashless facility is available in 3600+ network hospitals
• In-house claims processing by the health administration team
• The plan owns the availability of lifetime renewability option
• Sum Insured enhancement is allowed at the time of renewal
• Different types of discounts are offered under this health plan
• Available as Individual and Group Surgical Protection Plan Policy

The Surgical Protection Cover gives a bundle of benefits as well as peace of mind with its attractive features. But, its profit delivering doesn’t cease here and the plan acquires some more components in its arsenal. These elements are the ones that ensure the goodness and reliability of this plan. Here are some of those offerings:

• The option of portability is available
• Waiver of medical tests up to 45 years
• A grace period of 30 days is permissible
• Tax benefits can be gained on the premium
• Free look period of 15 days for new policies

It is quite easy to conclude that this plan is loaded with enough features and benefits that can help in going through a safe surgical procedure. It doesn’t just save money but also provide peace of mind. In addition to these, some optional covers are also available under this plan that completes it and turns it into a holistic approach plan.  

Nowadays, it is hardly suggested anywhere to buy a policy offline as it involves too much paperwork, travel and time consumption. Therefore, it is advised to opt for this health plan from a reliable insurance website i.e., insurancedekho.com. It will assist you in getting all the information about the plan easily and gaining the claim as well. 

Under this plan, one can be insured from the age of 18 years to 65 years. But, you can insure your children from the age of 3 months to the age of 25 years. 

The plan allows the coverage for many relations such as spouse, your dependent children and dependent parents, apart from the proposer. 

No, you are not required to undergo any medical tests up to the age of 45 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. The pre-policy check-up would be arranged at the empanelled diagnostic centres of Bajaj Allianz.

Yes, you can renew your policy throughout your lifetime, provided the insurance company has received your application for renewal and the renewal premium before the due date or within a maximum of 30 days from such date.