My Health Care Bajaj Allianz Plan
Overview
Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, the world’s leading insurer, and Bajaj Finserv Limited. The Company received the certificate of registration from IRDA on 2nd May 2001 to conduct general insurance business in India. Bajaj Allianz General Insurance, today, is one of the largest private insurer in the industry with offices in over 1100 towns and cities. The Company has continuously been expanding its operations to reach out to its customers.
Highlights for My Healthcare Plan
Maternity cover
Baby Care
Out-Patient Treatment (OPD) Expenses
Home Nursing Benefit (max 10 weeks)
Restore Benefit
Cataract
Modern Treatments
Features
Sub-limits
Room Rent
Room rent for in-patient hospitalisation
ICU Charges
Charges for ICU hospitalisation
Ambulance
Transportation of the patient to the hospital and back home
Convalescence benefit
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Modern Treatments
All advanced treatment with upgrade in technology.
Maternity Benefit
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.
Pre-Hospitalisation : 30 Days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 60 Days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 Days for all Illness except Accidental injury
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 2 years
Listed specific illness
Waiting Period- PED : 4 years
No pre-existing ailment related claims are accepted within this period.
Room Rent : For 3 to 4 lakh (1% of SI per day) and 5 to 75 lakh( single private room)
Room rent for in-patient hospitalisation
ICU Charges : For 3 to 4 lakh (2% of sum insured) and 5 to 75 lakh( Upto Sum Insured)
Charges for ICU hospitalisation
Co pay : 61 years and more, you will have to pay 20% of copay
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : Up to Sum Insured
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : Up to Sum Insured
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : Up to 150% of Sum Insured
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : Up to 10% of Sum Insured
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Convalescence benefit : For 3 to 4 lakh (Rs.500 per day up to 5 days)
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : 3 to 4 lakh Upto Sum Insured- Upto Rs.50,000, 5 to 10 lakh Upto Sum Insured- Upto Rs 1,00,000, 15 to 40 lakh Upto Sum Insured- Upto Rs2,00,000 50 to 75 lakh Upto Sum Insured- Upto Rs3,00,000
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : No
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Upto Sum Insured
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : 3 to 4 lakh Upto Sum Insured- Upto Rs.15,000, 5 to 10 lakh Upto Sum Insured- Upto Rs 20,000, 15 to 40 lakh Upto Sum Insured- Upto Rs 30,000 50 to 75 lakh Upto Sum Insured- Upto Rs 40,000
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : Sum insured 50 to 75 lakh - Upto Rs1,00,000.
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.