The worst nightmare that anyone can have is the one when a family member is hospitalized. Today, when everything is uncertain nobody can be sure what will happen. A seemingly small ailment can turn into major one. And what happens when the earning member of your family is hospitalized? But with a policy from Bajaj Allianz you and your family can rest assured!
HEALTH GUARD -COVERS ALL MEDICAL EXPENSES ON HOSPITALISATION
It is rightly said ‘Health is Wealth’. We are all aware that health care costs are high and getting higher. At times, unfortunately we fall prey to unanticipated accidents & illness.
Bajaj Allianz promises to stand by you during those difficult times of physical and mental stress. Our Health Guard policy takes care of your hospitalization expenses & also offers a wide coverage of pre & post hospitalization expenses.
We are the first company to provide the higher coverage of SI 10 lacs. Features The member has cashless facility at over 2400 hospitals across India The member can opt for hospitals besides the empanelled ones, in which the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
Pre and post - hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization. Cumulative bonus of 5 % is added to your sum assured for every claim free year.
Family discount of 10 % is applicable. Covers ambulance charges in an emergency subject to limit of Rs. 1000 /- No tests required up to 45 years up to SI 10 lacs* 10% co- payment applicable if treatment taken in non-network hospitals. Waiver of co-payment is available on payment of additional premium Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz
Benefits
In house Health Administration Team for hospitalisation claims to lower turn around time Access to over 2400 hospitals all over India for cashless facility.
No Sub-limits applicable on room rent and other expenses. Hassle-free claim settlement due to In-house claim administration. Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
Health Check up for maximum amount of Rs. 1000 /- at the end of continuous four claim free years
Coverage 10 lacs coverage available from 3 months up to 55 years* Policy can be renewed up to 70 years* In built E-opinion cover for SI 5 lacs & above.
HOSPITAL CASH - COVERS NON-MEDICAL EXPENSES DURING HOSPITALISATION
With a Hospital Cash policy from Bajaj Allianz you and your family can now breathe a sigh of relief! As this is a benefit policy which covers the incidental expenses incurred during the Hospitalization period. In the event of hospitalization this policy provides a cash allowance of Rs 500-2500 for each day of hospitalization.
Features
The policy pays a daily allowance as a fixed benefit on hospitalisation The Policy can be taken along with any other health insurance policies. The allowance is doubled in case of ICU admission (for maximum 7 days) Photocopy of discharge card, along with copies of reports, bills and prescriptions required for claims processing. (do we include this in the feature?) The policy can be taken along with any other health insurance policies It is a unique policy covering incidentals or miscellaneous expenses incase of hospitalisation.
Benefits
Covers miscellaneous expenses incurred during hospitalization. Comprehensive coverage with nominal premium. Premium amount upto Rs.15000/- p.a. is eligible for tax exemption under section 80-D of Income Tax Act as per existing IT law.
Dependent spouse and children can be also covered under this policy. 5% family discount is applicable if cover taken for family
Coverage SI available from 500-2500. Cover available for 30days & 60 days
