Bajaj Allianz General Insurance

Extra Care Health Plan is a unique plan that helps extend the health insurance cover.

This plan takes care of additional hospital expenses that are over and above the deductible amount.

The FEATURES of this policy are:

· Floater policy

· Pre-existing diseases are covered after a period of 4 years

· No medical test up to the age of 55 years

· Ambulance charges are covered subject to a maximum of Rs.3000

ELIGIBLE AGE:

· The entry age for the proposer is between 18 years to 70 years. A policy can be renewed till the proposer is 80 years of age

· Children from 3 months to 5 years of age are also eligible provided both their parents are insured with Bajaj Allianz

· Children from the age of 6 years to 18 years are eligible if one of their parents are insured with Bajaj Allianz

· Children from 18 years to 25 years can be covered as self proposer’s or as dependents

PREMIUMS:

This plan has 3 sum insured options to choose from:

A service tax of 10.3% will be added to the premium amounts mentioned above.

Like all other health insurance policies, the premium paid towards this is exempt from tax under Section 80D of Income Tax under the current Act.

EXCLUSIONS:

· Any pre-existing diseases/injuries that are there prior to or at the time of proposing this insurance but only for a period of 4 years

· Any disease contracted during the first 30 days of commencement of policy

· Non allopathic medicines

· Congenital disease or disorders

· All expenses arising from AIDS and related diseases

· Cosmetic, aesthetic or related treatment

· Use of intoxicating drugs or alcohol

· Joint replacement surgery (other than due to accident) shall have a waiting period of 4 years

· Any fertility, sub fertility, impotence or assisted conception operation or sterilization procedure

A Bajaj Allianz policy can be either bought online from www.bajajallianz.co.in or they may be contacted on their toll free numbers 1-800-225-858 or 1-800-102-5858

The ADVANTAGES of taking this plan from Bajaj Allianz are:

· Cashless facility at over 2400 hospitals across India

· A policyholder can also opt for hospitals other than the ones on the panel of Bajaj Allianz and money will be reimbursed within 14 days after submitting the documents

· Bajaj Allianz has an in-house claim administration department for quicker claim settlement

· This plan can be taken with any other health insurance policy

· Competitive premium rates under this plan

Bajaj Allianz General Insurance

An extremely unique plan in health insurance that has been brought out by Bajaj Allianz is the Critical Illness plan. The EXCLUSIVE FEATURES of this plan are:

· Benefit policy that pays the sum insured as lump sum once the policyholder is diagnosed with any of the following critical illnesses:

· Cancer

· Paralysis

· Multiple sclerosis (it is a progressive disease of the central nervous system where the protective covering of the nerve fibers in the brain and spinal cord is destroyed)

· Coronary artery bypass surgery – the policyholder will be able to take a claim if s/he undergoes a surgery for a blockage of 2 or more coronary arteries)

· Major organ transplant

· Stroke (it is an incident which affects the supply of the blood to the brain causing permanent neurological damage)

· Primary pulmonary arterial hypertension (the pulmonary artery is the blood vessel that carries blood from the heart through the lungs)

· First heart attack

· Kidney failure

· Arota graft surgery (arota is the main artery that supplies oxygenated blood to all parts of the body)

· The amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis

· Sum insured is available from Rs.1 lac to Rs.50 lacs

· Age band is from 6 years to 59 years

· By getting the amount as a lump sum the policyholder can plan the treatment accordingly

· Expenses like donor expenses in a transplant surgery, that are not covered under the normal health insurance policy, can be paid out of the amount received under this cover

· Very competitive premium rates in comparison to the benefits that this policy offers

EXCLUSIONS:

· 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

· Treatment arising from or traceable to pregnancy or childbirth, including caesarean section/birth defects

· War, invasion, act of foreign enemy, terrorism, hostilities, 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

PREMIUMS:

The premium that is paid towards this policy, like other premiums for health insurance policies, is exempt under Section 80D of income tax act.

A Bajaj Allianz policy can be either bought online from www.bajajallianz.co.in or they may be contacted on their toll free numbers 1-800-225-858 or 1-800-102-5858

The ADVANTAGES of taking a health insurance plan from Bajaj Allianz are:

· Cashless facility at over 2400 hospitals across India

· Bajaj Allianz has an in-house claim administration department for quicker claim settlement