In today's lifestyle, we need comprehensive benefits from our health insurance along with an affordable premium. Bajaj Allianz's Health Ensure Plan promises the same.
We all want to provide the finest amenities for our families, and as we place a high value on their excellent health, we want the best health insurance available. The Health Ensure Policy from Bajaj Allianz is the ideal solution to cover your family's medical costs in the unfortunate event of hospitalisation due to illness or injury. It offers new comprehensive coverage at affordable prices. Not only you but even your family members can be insured under Bajaj Allianz Health Ensure Plan. Not having to undergo medical tests for the youth is well received by this segment. Pre and post-hospitalisation coverage, tax benefits only add to the benefits of this plan. With shorter waiting periods for pre-existing conditions, the policy is making a good noise among policyholders seeking a health insurance plan for complete protection. Let us disclose the plan.
Characteristics of Bajaj Allianz Health Ensure Plan
- Individual sum insured policy includes the insured, their lawfully wedded spouse, dependent children, parents, grandchildren, brother, sister, father-in-law, mother-in-law, uncle, and aunt.
- The insured's dependent children, spouse, and parents are all included in the Family Floater.
- Up to age 50, there are no pre-policy medical examinations required (subject to a clean proposal form)
- Pre-existing conditions are covered for 24 months after purchasing your first Health Ensure Policy.
- 30 days Pre- and 60 days post-hospitalisation expenses are covered
- Coverage for emergency road ambulances
- Daycare policies
- Free preventative medical examination
- Tax benefit under Section 80 D of the Internal Revenue Code for premiums paid for this coverage
- Homoeopathic and ayurvedic hospitalisation Cover
- Donor organ costs
- A cumulative bonus of 5% for each year without a claim
What Alternatives are There for the Policy's Sum Insured?
- The sum insured under an individual plan ranges from INR 50,000-10 lakh.
- The sum insured under a floater policy ranges from INR 2-10 lakh.
If You Wish to Get a Bajaj Allianz Health Insurance Plan, You Shall Check This
- Entry age requirement of 18 years or a lifetime
- This plan is only available to Indian citizens.
- The premium must only be paid in Indian currency by an Indian account holder if an Indian non-resident purchases the policy.
- The amount insured for oneself should be more than that for other family members.
- Individual coverage is available for oneself, one's spouse, one's dependent children, one's parents, one's in-laws, and one's grandparents.
- A family floater plan only covers the husband and dependent children. It is necessary to obtain separate coverage for your parents and parents-in-law.
What Services Does This Bajaj Allianz Health Insurance Plan Cover?
- Expenses related to in-patient hospitalisation, such as room rental fees, nursing care, and board costs, are limited to INR 5000 a day or a maximum of 1% of SI per day, whichever is less.
- ICU expenses are covered up to Rs 10,000 per day or 2% of SI, whichever is less.
- Fees levied by the anaesthetist, specialist, surgeon, and medical professional
- Pre-hospitalization costs for 30 days
- Post-hospitalization costs for 60 days
- Up to INR 1000 is covered for road ambulances.
- Costs associated with daycare procedures and organ donation (subject to policy terms and conditions)
- After three years have passed from the start of the policy, a preventive health checkup facility of up to 1% of the sum insured or a maximum of INR 1500 is available.
- Costs associated with receiving ayurvedic and homoeopathic care
Pre-medical Check-ups
- It only applies to new proposals.
- No medical examinations are necessary until age 50. (subjected to no serious health conditions)
- The network diagnostic facilities would arrange for a pre-medical screening.
- The test results will be valid for 30 days from the day of the medical examination.
- 50% of the costs for the pre-medical tests will be paid after the adoption of the policy and approval of the proposal.
- The tests an applicant must complete over the age of 51 are lipid profile, CBC, ECG, creatinine, SGOT, SGBT, urine R, fasting BSL, and Hba1c.
Read more - Benefits of Health Insurance in India
Discounts
- 4% off a two-year insurance policy purchase.
- 8% off a three-year insurance policy purchase.
Loading Brought on by Severe Medical Conditions
Individual claims deriving from undesirable health conditions such as diabetes, hypertension, cholesterol, obesity, cardiovascular illnesses, and several other risk factors are subject to a 5% loading charge. For additional information, please refer to the policy wording.
Waiting Period for Pre-Existing Conditions
- Prior to the expiration of 24 months of continuous coverage following the date of the first Health Ensure Policy issuance, costs associated with the treatment of a pre-existing disease (PED) and its immediate complications will be excluded.
- If the amount insured increases, the exclusion will again apply to the new amount insured.
- The waiting period would be shortened to the level of prior coverage if the insured was continuously covered without a gap, as indicated by the portability criteria of the current IRDAI (Health Insurance) Regulations.
- Any pre-existing condition must be disclosed and approved by Bajaj Allianz health insurance at the time of application to qualify for coverage under the policy after the first 24 months have passed.
48-month Waiting Period for These Medical and Surgical Procedures
- Surgical replacement of a joint
- Surgery for diseases of the spinal column (unless necessitated due to an accident)
- Having surgery to fix a crooked nasal septum
- Overgrown turbinate
- Gout and arthritis
- When an ophthalmologist recommends corrective eye surgery for medical conditions, the refractive error must be more than or equal to 7.5.
Conclusion
One of the most common medical insurance plans is Health Ensure by Bajaj Allianz General Insurance Company. You can choose this cost-effective policy to receive the necessary medical care without depleting your savings. In addition, you may be sure that Bajaj Allianz Health Ensure will come through in a medical emergency.
Read more - Bajaj Allianz General Insurance Company's Top-up Health Plan
