Bajaj Allianz

My Health Care Bajaj Allianz Plan

Bajaj Allianz

7.6/10

OneAssure Rating

92.06%
Claim Settlement Ratio
18,400
Network Hospitals

Highlighted Features

Room Rent (Normal & ICU)

Room Rent (Normal & ICU)

Covers single private AC rooms for sums insured up to ₹10 lakh and actual expenses for higher sums. ICU expenses are fully covered as per the actual hospital bill, ensuring maximum financial protection during hospitalization.

Advanced Treatments

Advanced Treatments

Covers cutting-edge procedures like robotic surgeries, oral chemotherapy, and deep brain stimulation.
 

Brochure

Policy Wording

Our Verdict

The Bajaj Allianz My Health Care Plan offers extensive, customizable coverage, including home nursing and AYUSH treatments. Ideal for individuals and families seeking flexible, comprehensive health insurance with high sum insured options.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: For 3 Lac to 10 Lac SI -Single Pvt AC Room.

    For Above 10 Lacs SI-Actuals 

     

  2. ICU: Actual Sum 

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02

Advanced Treatments

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

  2. Balloon Sinuplasty 

  3. Deep Brain stimulation

  4.  Oral chemotherapy 

  5. Immunotherapy - Monoclonal Antibody to be given as injection 

  6. Intra vitreal injections 

  7. Robotic surgeries 

  8. Stereotactic radio surgeries

  9. Bronchical Thermoplasty 

  10.  Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) 

  11. IONM - (Intra Operative Neuro Monitoring) 

  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

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03

Co-payment

  1. Mandatory co-payment of 10% is applicable.

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04

Waiting Periods

  1. Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.

  2. Specified disease/procedure waiting period:

    Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.

  3. 30-day waiting period:

    Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.

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05

Cashless Healthcare Providers

  1. 18,400+ Network Hospitals across India.

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06

Day Care Treatments

  1. Covers treatment or surgery that requires less than 24 hours hospitalization.

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07

AYUSH Treatment

  1. Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.

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Exclusions

Add-ons

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About the Company

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