Bajaj Allianz Health Ensure Plan
Bajaj Allianz
7.7/10
OneAssure Rating
7.7/10
OneAssure Rating
Highlighted Features
Advanced Treatments
The Bajaj Allianz Health Ensure policy covers 130 advanced daycare procedures that don't require 24-hour hospitalization due to technological advancements..
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization.
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Our Verdict
Bajaj Allianz Health Ensure offers wide-ranging coverage with cashless hospitalization and wellness benefits. Add-ons like critical illness and maternity cover enhance its versatility, making it a solid choice for individuals and families seeking comprehensive and customizable health insurance.
About the Plan
Bajaj Allianz Health Ensure is a comprehensive health insurance plan that aims to provide financial security and access to quality healthcare in case of hospitalization due to illness or injury. It covers a wide range of medical expenses, including inpatient hospitalization, pre and post-hospitalization costs, day care procedures, and even AYUSH treatments. The plan offers various sum insured options, allowing individuals and families to choose a coverage amount that suits their needs. With a vast network of hospitals across India, Health Ensure facilitates cashless treatments, making the claim process smoother and more convenient. Additionally, the plan offers benefits like preventive health check-ups, cumulative bonus for claim-free years, and tax benefits on premiums paid, making it a well-rounded option for those seeking comprehensive health insurance coverage.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Normal: Up to Sum Insured
ICU: Pay up to actual ICU expenses provided by the Hospital.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy
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
Covers all day care treatments
AYUSH Treatment
Covers all AYUSH treatments
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Injuries or illnesses due to alcohol, drug abuse, or substance misuse are excluded.
Self-inflicted injuries, suicide, or attempted suicide are not covered.
Treatments related to infertility, sterilization, or any assisted reproductive procedures are excluded.
Cosmetic or plastic surgery unless required due to accidents or burns is not covered.
Congenital diseases or birth-related anomalies are excluded from coverage.
Treatment for HIV/AIDS or other sexually transmitted diseases is not covered.
Experimental, unproven, or alternative treatments not recognized by medical authorities are excluded.
Injuries resulting from hazardous sports, adventure activities, or war-related situations are not covered.
Any hospital admission primarily for diagnostic purposes without active treatment is excluded.
Exclusions
Critical Illness Cover - Provides additional financial protection for policyholders diagnosed with specified critical illnesses, ensuring enhanced coverage for expensive treatments.
Personal Accident Cover - Offers compensation for accidental death or disability, providing financial security for the insured and their family during unforeseen events.
Hospital Cash Benefit - Pays a fixed daily cash allowance during hospitalization to cover non-medical expenses, easing the financial burden.
Maternity and Newborn Cover - Covers maternity-related expenses and newborn baby care, ensuring comprehensive protection for expecting mothers.
OPD and Consultation Cover - Reimburses expenses for outpatient consultations, diagnostics, and pharmacy bills, promoting preventive healthcare and routine medical check-ups.
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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