Coverage Offered. You get the required care during hospitalization as well as for pre & post hospitalization treatments. In less than 10 minutes, with just a few clicks, your Bajaj Alliance Life Insurance premium payment is made right from the comfort of your home. It covers daycare procedures, ambulance expenses, organ donor expenses and ayurvedic/homoeopathic accidental injuries. But, you need all the information you can get before buying a medical insurance policy that suits your needs. You have the following options when you decide to switch your health insurance: ✓    If any positive declarations – discharge card, investigation reports, latest prescriptions & the clinical condition, ✓    *Any other document as requested by the insurer. Our health insurance plans cover hospitalization, day care procedures, AYUSH treatment, ambulance charges & offer quick claim settlements. If you opt for Sum Insured between INR 3 lakhs and INR 7.5 lakhs, then the coverage is restricted to INR 15000 for normal delivery and INR 25000 for caesarean section and if you opt for Sum insured between INR 10 lakhs and INR 50 lakhs, then it is restricted to INR 25000 for normal delivery and INR 35000 for caesarean section. Key features of the Arogya Sanjeevani policy include option to pay the premium of this health insurance policy on installment basis (yearly, half-yearly, quarterly or monthly), coverage for AYUSH and cataract treatment, lifetime renewal option, Sum Insured up to INR 5 lakh and option to buy this policy for yourself (individual) or for your family as well (family floater). Any one illness refers to continuous period of illness, including any relapse that happens within a certain number of days as per the terms and conditions of your health insurance policy. I further declare that, irrespective of my contact number being You can instantly renew your health insurance policy online and stay empowered in an emergency with the daily allowance for hospitalization expenses. Save time and money with a hassle-free medical coverage for your entire family. I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made Our partner, Bajaj Allianz will reimburse the amount equal to 1% of the sum insured max or up to Rs. Dental treatment means a treatment related to teeth or structures supporting teeth including examinations, fillings (where appropriate), crowns, extractions and surgery. No, your travel history abroad will not affect the admissibility of claim under your health insurance policy, if you are hospitalized in India. We have a solution for this, pay premiums on time through Paytm! ✓   Tax saving : In India, the payments you make towards your health insurance policies are eligible for tax deductions under section 80D of the Income Tax Act. Domiciliary Hospitalization refers to a situation where you are undergoing a treatment or are under medical care at home instead of hospital and still you are considered as hospitalized. Also, you can ensure that you are eligible to avail full benefits of your medical insurance policy. Notwithstanding my telephone/mobile is registered with NDNC and or notwithstanding the Telecom Regulatory Tax Gain is a unique family floater health policy, which in a smart move brings you the best both worlds. **Last Updated on 17-12-2020. ii) Bajaj Allianz Health Infinity Plan. However, most of them fail to understand the different types of health insurance policies available in the market and probably, they end up buying a plan that might not cover their specific needs. If you are a minor (below 18 years of age), then your parents can cover you under their any medical insurance plans. You might also be eligible for certain benefits, if you surrender your policy after renewing it without break for a certain fixed number of years. Fully or Partially For example, the consulting physician may prescribe certain tests to ascertain your progress or recovery after surgery. ✓    Opt for a health insurance company that allows insurance portability. Life insurance is a great investment and death cover option but it won’t come in handy to pay rising medical bills. What is Bajaj Allianz Term Insurance Plan? Hence, you must declare any pre-existing disease/condition at the time of buying medical insurance plans. Hence, by taking a policy at a young age you can only hope that by the time, and if you are diagnosed with a disease that falls under the pre-existing category, your waiting period will be complete. 1800-103-2529, 24x7 Roadside Assistance Free look period: Health insurance companies offer a free look period of 15 days to you. Yes, the best health insurance policy will cover you for all the medical expenses. After your claim is filed and settled, your insurance cover will be reduced by the amount that has already been paid to you. Accidental Hospitalization expenses The key features of this plan are unlimited Sum Insured, coverage for pre & post hospitalization expenses, day care procedures, road ambulance expenses and multiple policy term options. This 30 day period is the grace period. The premium rate revisions are not applicable up to the expiry of your policy. To renew your Bajaj Allianz’s health insurance policy, you can visit our website or download our mobile app – Caringly Yours. Easiest for anyone, no hassle, no confusion. At Bajaj Allianz, we offer top up health insurance plans such as extra care plus & Extra Care that provide an add-on cover to your existing health insurance policy. Bajaj Allianz Health Guard insurance policy offers comprehensive benefits at an affordable price that ensure you are covered for the larger expenses related to multiple illnesses or surgeries. You are covered for pre and post hospitalization expenses up to 60 days and 90 days respectively, if these expenses are related to the treatment that you are receiving. All the non-payable items mentioned in your policy document along with the list of non-payables issued by IRDAI will be excluded from COVID-19 coverage. You can refer your policy document for a detailed list of day care procedures. Short term health insurance policies do not offer a considerable discount on the premium amount. You might be required to submit a few documents for the same and also pay the additional premium for enhancing the coverage of your medical insurance plans. ✓     You should not hide anything from your health insurance provider like pre-existing illnesses. In-patient Hospitalisation Treatment If the Insured is Hospitalised 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 for: are all non-payable under your health insurance policy. You can use Bajaj Allianz’s free health insurance calculator to find out an estimate amount of health insurance premium that you need to pay towards your health insurance policy. You can avail cashless treatment at over 6,500+ hospitals across India. We offer a quick and convenient online renewal facility for your Health Guard insurance policy because we don’t want you to go unprotected for a single minute. © Copyright 2018. Health insurance companies in India grant you a free look period of 15 days, during which you can analyze the health insurance policy that you have purchased. Health toll free Number However, you will be charged a premium for the number of days you took to take the decision. The Bajaj Allianz Global Personal Guard offers 100/60 times of gross monthly income as per the cover chosen.. Base Cover: This includes death, permanent total disability, and permanent partial disability. These health insurance plans are suitable for senior people, as they will help them manage their finances, since the premium rate remains fixed for a couple of years. However, there might be some hospitals that may have been delisted by your insurance provider and you will not be covered in case you choose one of those hospitals for getting the required medical attention. ✓    You should choose to buy a health insurance policy from a company that has maximum tie-ups with hospitals, so that you get the benefit of cashless claims. You can also enjoy tax benefits under Section 80D. 1800-209-5858, Sales :1800-209-0144 Hats off to the Bajaj Allianz team. Here are 5 reasons that will make you understand the importance of having the best health insurance plan: ✓   Financial Help : Your health insurance policy will ease your burden of paying heavy medical bills from out of your pocket. You can also send us a ‘Hi’ on our WhatsApp number (+91 75072 45858) and our customer support team can assist you with your requirement. These health insurance plans are suitable for you, if you are young and healthy. *Also subject to UW acceptance. Click on the ‘Renew’ tab, then click on ‘Renew Now’ button under the health insurance section. Unlike medical insurance plans, a mediclaim plan will not offer comprehensive coverage. Exit age means that you will not be covered under your health insurance policy after crossing a certain age limit. You can make any number of valid health insurance claims in a policy year. You can get the treatment for your health related issue without paying anything from your pocket. This way you have the benefit to change your insurance company and opt for a medical insurance policy better than your current one. Health insurance covers you for hospitalization expenses including pre & post hospitalization expenses, doctor’s consultation fees and in-patient expenses. It’s only when you try and test something yourself that you realize the utility it truly provides you. Well, you’ll be glad to know that you have a grace period of 30 days from the expiry date to renew your health cover. and procurement of various insurance products and services of BAGIC. The Health Administration Team (HAT) comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. Most of our health insurance plans cover you financially for surgeries/medical procedures related to organ donation. You can also check out various health insurance quotes online to figure out which one is most suited to your budget. reinstated. With Bajaj Allianz’s health insurance policies, you will be eligible for a benefit payout of INR 5,000 annually, in case of continuous hospitalization for a period of 10 days or more. You should submit the following documents for health insurance portability. The rising cost associated with medical care is one of the biggest reasons to buy a health insurance policy. These expenses are covered if your health insurance policy provides coverage for out-patient hospitalization. You can use our health insurance calculator for free and use the generated quote for future references. Maternity expenses and new born baby cover. Along with providing you peace of mind, financial support during a medical emergency, access to quality health care services, easy, quick and hassle-free claim settlement process, your health insurance policy also takes care of you by helping you save tax. It also covers accidents while traveling abroad as it provides a global coverage. Step 2: Enter Details I further declare that, irrespective of my contact number being You can easily find out an estimate of your health insurance quotes or premium that you would be paying towards your health insurance policy by using Bajaj Allianz’s free health insurance calculator to get health insurance quotes. This is a non unit-linked insurance traditional participating plan where the money is paid as pre-decided intervals. Yes, you can buy more than one health insurance policies. You can check the status of your policy online. Here is how you can earn tax benefit as per sec 80D deduction: Sum Insured (SI): Sum Insured is the maximum amount that your health insurance company is liable to pay if you are hospitalized. Topping up your health cover gives you freedom from worrying about heavy medical expenses. This ensures that your claims are not wrongly withheld and prevents any unnecessary claim issues in the future. The waiting period for Maternity for every product will differ based on the terms and conditions of every product. 1800-209-0144, Service : ✓     You can give us a missed call on +91 80809 45060, and we’ll call you back to take you through the process. And, with your health insurance policy, you can avail the benefit of preventive care. Health insurance for senior citizens takes care of these issues and protects you from the medical expenses in your golden years. It is said that prevention is better than cure. Also, there might be some waiting period applicable as per your medical test reports. So, here is the quick answer. Bajaj Allianz health insurance has lifetime renewability and offers In-house medical assistance, Faster Claims settlement, Tax 80D benefit. Here’s how you can save tax: On the premiums you pay for yourself, your spouse, children and parents, you can avail INR 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). Once you enter your search criteria, you need to click on Find Hospital button. You can contact our customer support team and get complete details of the steps that you need to take to increase the Sum Insured. So, the premium is lower if you purchase a health insurance policy when you are young. A mediclaim policy may not be very flexible when compared to health insurance plans. On the other hand, Personal Accident insurance plan pays you the entire Sum Insured once you file a claim. But, if you do not renew your policy in the grace period as well, then your health insurance policy will lapse and you will not be covered for any medical emergency. ✓     You do not need health insurance if you are fit. Please contact your insurer and get clarification on these coverages under your health insurance policy. 6 easy EMIs for paying the health insurance premium enables the customer to manage their cash flow better along with an adequate health cover. ✓   Body mass index (BMI) : Your BMI is the ratio of your height and weight. Now, you can run the race at your own pace and leave the rest to us! products and services or solicitation and procurement of insurance business. The wider the coverage, the steeper your health insurance quotes. GST is Goods and Service Tax. The biggest impact on your medical insurance policy premium, however, is the health insurance coverage that comes with it. In other words, health insurance premium is the periodic (generally annual) payment you make to your health insurance company in order to avail their services for health related expenses. Browse and select an adequate policy as per your requirements to cover yourself, your family members, children, senior citizens & expecting mothers to ensure that you are financially secure in these critical times. If you think that it not an adequate medical insurance plan for you, then you can cancel this medical insurance policy within 15 days. Also, having high deductible health insurance plans can help you lower your premium amount. But, you will be eligible for NCB (No Claim Bonus), which will reduce the premium amount when you renew your health insurance policy. A higher co-pay can help you reduce your premium amount. If you want a quick and hassle-free purchase, buying online is the way to go. Yes, health insurance plans cover you for maternity and new born care. Some of the myths associated with health insurance are: ✓     You need to check the empanelled hospitals only when you buy any health insurance plans. ✓   Tobacco consumption : Your premium cost might be on the higher side if you smoke or chew tobacco and tobacco related products. You should approach your new health insurance provides at least 45 days prior to the expiry of your existing health insurance policy. We respect your time and money and our offerings reflect our commitment to you. It also controls claim settlements and customer service, given its in-house capabilities. An affordable health insurance plan that protects individuals against medical bills. Unfortunate events can surprise you, so it is important to safeguard your hard-earned funds from being spent on heavy medical bills. For Bajaj Allianz iSecure the Policy Term & Premium Payment Term is 10 years & Health Guard (Gold) is yearly renewable policy 25 years / Male 35 years / Male 45 years ... Limited, and for health insurance benefits, Bajaj Allianz General Insurance Company Limited. In this policy, there are two phases, namely Premium Payment Phase and a Money Back Phase, both … Yes, outpatient expenses are covered under medical insurance plans either with mandatory hospitalization of 24 hours or as a top-up in the form of OPD cover. If your family members are covered in your existing health insurance policy, then they will be covered for the hospitalization expenses (Under In Patient Hospitalization) as per policy terms & Condition related to COVID-19. Also, you will be eligible for cumulative bonus, which lets you enjoy the benefit of increased SI by paying the same premium as the previous policy year. A health insurance policy from your employer might have a few benefits, but, there are also some drawbacks associated with the corporate health insurance plans like: ✓    You will not be able to customize the corporate plan as per your health insurance requirements and health conditions. You can switch from one health insurance provider to another. usually medical tests are not mandatory for people below the age of 45 years. products/services and or my making a request to call me back, it is deemed that I have expressly authorized So, with our M Care Health Insurance policy, you can relax while getting cured for vector borne diseases. Here they are: Hope these pointers helped you make an informed decision and help you choose the best health insurance plan for you and your family. Pre-existing diseases are those you may already know the existence of in your life before you buy a medical insurance policy. So, it’s better to have a protection of health insurance plans, that besides helping you manage your finances, also offer you a several other benefits at very affordable premium rates. Log onto our website with your user ID and password and enter the details of your policy – policy number, etc. Furthermore, I Your health insurance quotes and premium details will be displayed on the screen, where you can select co-payment as per your convenience and click on Confirm Plan button to buy a health insurance policy online. In the below table we’ve highlighted these differences between medical insurance plans and a mediclaim policy for you to better understand and make a more informed choice to buy medical insurance online or otherwise. Step 2: select the option "make payment online".. We settle your reimbursement claims within 10 days after receiving and assessing all the documents submitted by you. You can get your claims settled via cashless or reimbursement process. 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