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Bajaj Allianz Health Insurance | Bajaj Health Plans Review Inclusions & Exclusions

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Bajaj Allianz Health Insurance plans offer the best medical coverage & treatment with financial support. You or Your family can receive an excellent treatment at any of your required hospital for any medical emergency under the Bajaj Health Insurance. Bajaj Allianz provides a wide range of affordable health & medical coverage insurance plans. You can live with peace of mind against the rising health care costs by buying the Bajaj Allianz Health Plan.

Bajaj Allianz Health Insurance Plans Review

The Bajaj Allianz General Insurance Company has the highest claim settlement ratio. The Bajaj frames the various Health insurance policies according to specific requirements of customers. It offers family health insurance, individual health insurance, senior citizens health insurance & top-up health insurance plans. There are various health insurance plans under Bajaj General Insurance company. All these health plans have various attractive benefits, features & inclusions. So, It is tough to select the required health insurance policy. We are here to tell about all details about the Bajaj Mediclamin Insurance plans. It is very easy to buy Health insurance plans Bajaj Allianz Online.

Why have to choose Bajaj Health Insurance Plans?

  • The Bajaj Allianz processed More than 1 lakh claims successfully in the year 2013 to 14.
  • Cashless claims will Approve within 1 hour.
  • Special Discounts & Offers Value Added Services.
  •  It has a network of 5000+ hospitals & 1500 clinics of Diagnostic over the India.
  • Claims Settlement call assistant service is available 24/7

Bajaj Health Insurance Plans

The Bajaj Health Insurance Plans are various types. You have to choose any of them and Buy according to your requirements. The following are the various health plans offered by Bajaj General Insurance company.

  • Health Guard Individual Policy
  • Health Guard Family FloaterOption
  • Extra Care
  • Premium Personal Guard
  • Critical Illness
  • Health Care Supreme
  • Hospital Cash
  • Silver Health
  • Star Package
  • Health ensure
  • Tax Gain
  • Personal Accident
  • Critical Illness for Women
  • Personal Personal Guard

Health Guard Individual Policy

The Bajaj Allianz Health Guard individual Plan offers complete health Insurance for you. This Health Plan is the best plan for the Healthcare needs. The Bajaj Allianz Health Insurance plans provide financial support for medical treatment expensive of serious illness/accident. Health is precious to every person. You can achieve the anything with good health. But we can’t predict the future. A sudden illness/accident can stop your way of living. It may empty your savings. You can Protect yourself by taking the Bajaj Allianz Health Guard individual option plan. These Bajaj Allianz Health Insurance plans are an all round plans. Bajaj Allianz Health Guard Plan is one of the perfect Health protection plan to you and your family. Let’s know about the plan, inclusions, exclusions & all other details.

Feature & Benefits of Bajaj Allianz Health Guard Individual Plan

  • 10% of Family discount of is available.
  • Cumulative bonus of 10% is as given as a benefit for each claim free year. (max up to 50%).
  • There are no medical tests for the people who are below 45 years. They are eligible for clean proposal form.
  • Above 46 years age individuals have to take medical test (pre-policy check-up) mandatory.
  • The pre-policy check up is available at empanelled diagnostic centres.
  • The 100% pre-policy check-up costs are refundable if you accepted and taken the policy.
  • You are eligible for Free Health check-up at designated Bajaj Allianz diagnostic centres if you have 4 continuous claim-free years.
  • Income Tax benefit is available.
  • Free Look Period of 15 days  given to opt out from the policy if you didn’t like.

What are the Inclusions of Bajaj Allianz Health Guard individual Policy ?

  • The Bajaj Allianz Health Guard individual Plan offers hospitalisation expenses.
  • You can get cashless Treatment benefit at over 4000 hospitals across India.
  • Pre-Hospitalization charges around 60 days are payable to the life assured.
  • post hospitalisation expenses incurred for 90 days are given as medical expenses.
  • Ambulance charges in an emergency are payable to a limit of Rs. 1000/-
  • daycare procedures are also covered up to 130 days.

Bajaj Health Insurance Plans Exclusions

  • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
  • A waiting period of 4 years will be applicable in the case of pre-existing diseases.
  • Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.
  • Treatment consisting of non-allopathic medicine will not covered.
  • Cosmetic, aesthetic or related treatments will not be covered.
  • Treatment will not be covered for use of intoxicating and/or addictive substances like alcohol, drugs etc.
  • Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it covered.
  • Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs.35,000) and sinusitis shall cover after a waiting period of 2 years.

Health Guard Family FloaterOption

Health family floater policy is suitable for your family needs. It is like a single umbrella under that you can protect you & your Family Health. Nowadays medical costs are increases. So the Bajaj Allianz Health Guard Family Floater Plan is the best health plan to protect you & your family. The Bajaj Allianz Health Insurance offers medical expensive for medical treatment while you are hospitalised due to serious illness/accident. You need not worry about sudden medical expenses occurred in future.

Feature & Benefits of Bajaj Allianz Health Guard Family floaterOption

  • 10% of Family discount of is available.
  • Cumulative bonus of 10% as given as benefit for each claim free year. (max up to 50%).
  • There are no  medical tests for the people who are below 45 years. They are eligible for clean proposal form.
  • Above 46 years age individuals have to take medical test (pre-policy check-up) mandatory.
  • The pre-policy check up is available at empanelled diagnostic centres.
  • The 100% pre-policy check-up costs are refundable if you accepted and taken the policy.
  • You are eligible for Free Health check-up at designated Bajaj Allianz diagnostic centres if you have 4 continuous claim-free years.
  • Income Tax benefit is available.
  • Free Look Period of 15 days  given to opt out from the policy if you didn’t like.

Bajaj Health Guard Family FloaterOption Inclusions

Hospitalisation Medical Expenses

The Bajaj Allianz General Insurance Company covers the medical charges if you are as an inpatient in a Hospital for accommodation. The Patients Diet Charges, Boarding Expenses, nursing care, the attention of medically qualified are payable.

Pre-hospitalization: The consecutive 60-day Medical charges are covered immediately for preceding of your admission to Hospital due to Illness.

Post-hospitalization: The medical treatment expenses & essential investigations for 90 days after discharging from the Hospital related to the Illness or Accidental Bodily Injury covered.

Ambulance Charges: maximum of Rs 1000 per valid hospitalisation claim for Ambulance purpose to transfer you / your family members are payable.

Medical Check-up: If you got 4 claim free years then you are eligible for free health check at the end of 4th Year. This benefit is applicable for you & you family members also.

What Are the exclusions of Bajaj Allianz Health Insurance Plans – Family FloaterOption

  • Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs. 35,000), sinusitis shall be covered after a waiting period of 2 years.
  • All expenses arising from AIDS and related diseases.
  • Non-allopathic medicine.
  • Congenital external are excluded permanently.
  • Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
  • There shall be a waiting period of 4 years for pre-existing diseases.
  • Use of intoxicating drugs and alcohol.
  • All diseases/injuries existing at the time of proposing this insurance.
  • Any disease contracted during the first 30 days of commencement of the policy.
  • Cosmetic, aesthetic or related treatment.
  • Joint replacement surgery (other than due to accident shall have a waiting period of four years).

Bajaj Allianz Extra Care Health Insurance Plan

The Bajaj Allianz Extra care Health Insurance Plan offers the Extra Care of the additional hospitalisation expenses. The Basic Health Insurance is not sufficient since the medical expenses increase day by day. The long term care or complicated treatment causes more expenses. So you have to secure your health with extra care.

Feature & benefits Of Extra Care Health Insurance Plan of Bajaj Allianz

  • This is a floater policy, thus there will be a single sum insured and single premium for the whole family.
  • Competitive premium rates.
  • No medical tests up to 55 years of age, subject to a clean proposal form.
  • If would not satisfied with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
  • Premium starting at Rs.2500 p.a with sum insured options of Rs.10, 12 or 15 lakhs.
  • Due to unavoidable reasons, sometimes dates get pushed back a little. That’s why you now have a grace period of 30 days for renewing your existing Bajaj Allianz policy. The policy will be considered as continuous.
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy.
  • Can be taken as an add-on policy with any health insurance policy.
  • Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.

Inclusions of Bajaj Allianz Health Insurance Plans – extra Care

  • Medical Expenses: Covered upto the sum insured
  • Pre-Acceptance Medical Test: No test till 55 years of age for clean proposals.
  • Pre and Post Hospitalisation: Upto 60 and 90 days respectively.
  • Waiver for Pre-existing Diseases: After 4 years of continuous policy.
  • Floater Policy (upto 3 Children): Single sum insured for the whole family.
  • Continuity: Continuity for waiting periods will be given for any policy at any sum insured.
  • Affordable Premium: Starting at Rs.2500/-.
  • Entry Age 3 months-70 years: Renewable for lifetime.
  • Ambulance Charges: Up to Rs.3000/-.

Bajaj Allianz Extra Care Exclusions

  • All diseases/illnesses existing prior to or at the time of proposing this insurance for a period of 4 years.
  • Any diseases contracted during the first 30 days of inception of the policy.
  • Cosmetic and aesthetic treatments.
  • Non-allopathic medicine.
  • All expenses arising out of AIDS and related diseases.
  • Use of intoxicating drugs or alcohol.
  • Any fertility, sub-fertility, impotence, assisted conception operation, or sterilisation procedure.
  • Congenital diseases and disorders.
  • Joint replacement surgeries other than due to the accident would have a waiting period of 4 years.

Bajaj Allianz Premium Personal Guard Plans

Personal accident insurance policy ensures financial security to get protected from sudden mishaps and offers peace of mind. Secure your family’s future and get financial stability to recover from your loss. Bajaj Allianz Premium Personal Guard covers the insured against bodily injury or death caused due to accident and offers high sum assured ranging from 10 lakhs to 25 lakhs.

Feature & benefits Of Bajaj Allianz Premium personal Guard plans

  • The pre-policy check up is available at empanelled diagnostic centres.
  • The 100% pre-policy check-up costs are refundable if you accepted and taken the policy.
  • 10% of Family discount is available.
  • There are no  medical tests for the people who are below 45 years. They are eligible for clean proposal form.
  • Above 46 years age individuals have to take medical test (pre-policy check-up) mandatory.
  • You are eligible for Free Health check-up at designated Bajaj Allianz diagnostic centres if you have 4 continuous claim-free years.
  • Income Tax benefit is available.
  • Free Look Period of 15 days  given to opt out from the policy if you didn’t like.
  • Cumulative bonus of 10% as given as the benefit for each claim free year. (max up to 50%).

Bajaj Allianz Premium Personal Guard Plans inclusions

  • This policy covers the insured in case of Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death
  • Hospital confinement allowance
  • Accidental Hospitalization Expenses
  • Value Added Service (VAS) partners providing discounts and special offers exclusively for Bajaj Allianz Health Insurance customers
  • Tie-up with more than 4000 Hospitals and 1200 Diagnostic clinics across the country

Exclusions of Bajaj Allianz Premium Personal Guard Plans

  • Suicide, attempted suicide or self inflicted injury or illness.
  • Under the influence of liquor or drugs.
  • Arising or resulting from the insured person(s).
  • Committing any breach of law with criminal intent.
  • Engaging in aviation or ballooning, whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
  • Participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
  • As a result of any curative treatments or interventions that you carry out or have carried out on your body.
  • Arising out of your participation in any naval, military or air force operations whether in the form of military exercises maintained without a break or war games or actual engagement with the enemy, whether foreign or domestic.
  • Your consequential losses of any kind or your actual or alleged legal liability.
  • Venereal or sexually transmitted diseases.
  • HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or mutant derivatives or variations thereof however caused.
  • Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
  • War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority.
  • Nuclear energy, radiation.

 Health Insurance critical Illness plan

A health insurance plan that covers critical illness means you can insure yourself against the risk of serious illness in much the same way as you insure your car and your house. It will give you the same security of knowing that a guaranteed cash amount will be paid if the unexpected happens and you are diagnosed with a critical illness.

Features of Bajaj Health Insurance critical Illness Plan

  • The product offered from 18 yrs – 65 years for proposer & 6 yrs for Children.
  • Medical examination may be required in some cases based on the age and the benefit amount opted by the proposer.
  • Very competitive premium rates.
  • Sum insured options of Rs. 100000/- to Rs. 5000000/- for age group of 6 yrs. to 60 yrs.
  • Sum insured options of Rs. 100000/- to Rs. 500000/- for age group of 61 yrs. to 65 yrs.

Inclusions of Bajaj Health Critical Illness Plan

  • The benefit amount payable once the disease diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis.
  • The insured receives the amount as lumpsum so that he can plan the treatment accordingly.
  • Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover both in India & abroad.

Some of critical Illness 

  • Cancer
  • Coronary Artery Bypass Surgery
  • First Heart Attack (Myocardial Infarction)
  • Kidney Failure
  • Major Organ Transplant
  • Stroke
  • Aorta Graft Surgery
  • Primary Pulmonary Arterial Hypertension
  • Multiple Sclerosis with Persisting Symptoms
  • Permanent Paralysis of Limbs

Exclusions of Bajaj Critical Illness Plan

  • Treatment arising from or traceable to pregnancy or childbirth, including caesarian section and birth defects.
  • War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution.
  • Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like, any natural peril.
  • Consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption etc.
  • Any critical illness for which care, treatment, or advice was recommended or which was first manifested or contracted before
  • Any critical illness diagnosed within the first 90 days.
  • Death within 30 days following the diagnosis of the critical illness.
  • Presence of HIV/AIDS infection.

Steps to buy Bajaj Allianz Health Insurance

The Bajaj Allianz Health Insurance Buying Process is available in many methods. One of the ways of buying the Bajaj Allianz Health Insurance Plan is visiting the nearest Company Branch Officer. You can also take the Best Bajaj Allianz Health Insurance Plans in Online by visiting the its official website. The online buying process is very easy and fastly rather than visiting the branch office. Another way of buying process is contacting the Bajaj Allianz Agent. For buying this Health insurance, first of all, you get ready with these documents required to fill the application form.

  • Identity Proof.
  • Address Proof.
  • Medical Reports (if required).
  • Proposal form in addition to the photo,
  • Age Proof, and so on.

Bajaj Allianz Health Insurance Renew Online

Many Life Assured are delaying their process to Renew their Health Insurances. This is because of the lack of the policyholder’s time, and financial problems. For the sake of those customers, the company has started a method called Renew Online. You can visit your nearest Branch Office to renew your Bajaj Allianz Health Insurance Policy. Another way for the Bajaj Allianz Health Insurance Renewal is contacting the Company Agents. Directly visit the Official Website and click on the Renew Policy to renew your Bajaj Allianz Health Plans. The details required while renewing the Bajaj Allianz Health Policy are Policy ID, Policyholder’s Name and Details, Date of Birth, etc.

Bajaj Allianz Health Insurance – Claim Process

Finally, you can check the Bajaj Allianz Health Claim Process. The Claim Process of the Bajaj Allianz Health Insurance will exist with the unexpected death of the Policyholder/ any health injury for the Life Assured. To claim for the Apollo Munich Policy, you need to submit the related documents of the policy. The documents required while doing the claim process for the Bajaj Allianz Health Insurance Plans listed below. As a result, you will get the claim benefits in addition to the additional benefits of the Policy.

  • NEFT Form.
  • Date of Birth Proof.
  • A copy of Pass Book.
  • Original Policy Document.
  • Address Proof of Nominee.
  • Claimant’s Statement and Claim Forms.
  • Hospital Records including Discharge Summary.
  • Death Certificate Original from Municipal / Local Authorities and
  • Additional documents, in the case of death, occurred due to unnatural or accidental death, etc.