Bajaj Health care supreme
Bajaj Allianz
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The Bajaj Health Care Supreme plan offers hospital room rent coverage without capping for normal rooms and ICUs, ensuring full financial protection.
Advanced Treatments
The Bajaj Health Care Supreme plan covers advanced treatments like robotic surgeries, stem cell therapy, proton beam therapy, and cyberknife.
Brochure
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Our Verdict
Bajaj Allianz Health Care Supreme offers extensive coverage with customizable add-ons like critical illness and personal accident, plus features like air ambulance and sum insured reinstatement. It's ideal for those seeking comprehensive and adaptable health insurance.
About the Plan
The Bajaj Allianz Health Care Supreme plan is a comprehensive health insurance policy designed to provide financial security and peace of mind in the face of medical emergencies. It offers a wide range of coverage, including hospitalization expenses, pre and post-hospitalization costs, daycare procedures, and even AYUSH treatments. One of its standout features is the option to customize the plan with add-on covers like critical illness cover and personal accident cover, allowing individuals to tailor their policy to their specific needs. With features like sum insured reinstatement, air ambulance cover, and outpatient expense coverage, the Health Care Supreme plan aims to provide holistic healthcare solutions. Additionally, it offers benefits like a cumulative bonus for claim-free years, free health check-ups, and tax benefits, making it an attractive option for those seeking comprehensive health insurance coverage.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
This limit could be a fixed amount or a percentage of the sum insured.
Advanced Treatments
The plan covers advanced treatments like Uterine Artery Embolization, HIFU, Balloon Sinuplasty, Robotic Surgeries, Oral Chemotherapy, Immunotherapy, Stem Cell Therapy, and Stereotactic Radio Surgeries for precise, minimally invasive, and effective medical care.
Co-payment
Voluntary Copay Discount: Bajaj Health Ensure offers a voluntary copay discount of 10% or 20%. This means you can choose to pay a portion of the claim amount yourself (10% or 20%), and in return, you'll get a discount on your premium.
No Mandatory Copay: There is no mandatory copayment under the standard Bajaj Health Ensure policy. You can choose a plan with no copayment at all.
Copay Options: The copay options are typically 10% or 20% of the claim amount. The higher the copay percentage, the higher the discount on your premium.
Waiting Periods
Initial Waiting Period: 30 days for most illnesses. This means you can't claim for any hospitalization within the first 30 days of your policy, except for accidents.
Pre-existing Diseases: 2 years. If you have a pre-existing condition at the time of policy purchase, you'll have to wait 2 years before it's covered.
Specific Illnesses: 1 or 2 years for certain conditions like hernia, piles, cataract, etc.
Maternity Benefits: 9 months to 2 years.
Accidental Hospitalization: No waiting period, you're covered from day one.
Cashless Healthcare Providers
12,500+ network hospitals
Day Care Treatments
Covered
AYUSH Treatment
Not Covered
Exclusions
Pre-existing diseases are not covered for the first 24 months.
Specific treatments such as ulcers, cataracts, hernias, and joint replacements are excluded in the first year.
Maternity expenses, including childbirth and newborn care, are excluded for the first 24 months.
Dental treatments are not covered unless required due to accidental injury.
Cosmetic or plastic surgery is excluded unless medically necessary due to burns, cancer, or accidents.
Non-allopathic treatments like Ayurveda, Homeopathy, and Unani are not covered.
Treatment for HIV, AIDS, and related conditions is excluded.
Exclusions
Ancillary Expenses Benefit - Provides a daily cash allowance during hospitalization to cover incidental expenses not included in the main hospital bill. This benefit is available for up to 30 days per policy period for individual plans and up to 60 days for family floater plans.
Critical Illness Benefit - Offers a lump sum payment upon diagnosis of any of the 15 specified critical illnesses, such as cancer, heart attack, or stroke. This financial support can be used for treatment costs or other expenses during recovery.
Personal Accident Cover - Provides financial compensation in case of accidental death or disability. Benefits include a lump sum payment for accidental death, double the sum insured for permanent total disability, and coverage for permanent partial and temporary total disabilities.
Add-ons
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About the Company
Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, a leading global insurer, and Bajaj Finserv Limited. Established in 2001, the company received its registration from the Insurance Regulatory and Development Authority of India (IRDAI) on May 2, 2001, to conduct general insurance business in India.
Headquartered in Pune, Maharashtra, Bajaj Allianz offers a comprehensive range of insurance products, including motor, health, travel, home, cyber, and commercial insurance, catering to individuals, businesses, and communities. Over the years, the company has expanded its presence across approximately 950 towns in India, making it one of the largest private insurers in the country.
Bajaj Allianz has received several accolades, including being adjudged as the "Best General Insurance Company in the Private Sector" by ABP News - Banking, Financial Services Awards in 2014.The company's vision emphasizes being the first choice insurer for customers by delivering innovative solutions and seamless experiences
About the Company
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