Bajaj Allianz Health Ensure Insurance Policy

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      Bajaj Allianz Health Ensure Insurance Policy

      Health Ensure policy takes care of all medical treatment costs incurred during hospitalization due to serious accident or illness to you and your family. The plan relieves you from the financial burden at every stage of your life.

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      Key Features

      • Pre-existing diseases are also covered after two years of policy renewal.
      • Pre & post hospitalization expenses admissible at a flat benefit rate of 2%.
      • Cashless facility at 2400 hospitals
      • In case of uncovered hospitals, reimbursement to be made within 14 days from the date of submission of all documents

      Benefits

      • Up to the age of 55 years, no medical tests are required.
      • Free health check up at the end of continuous four claim free years.
      • Covers 130 day care procedures.
      • Ambulance emergency charges covered up to a maximum of Rs. 1000 /- per year.
      • Faster claim settlement due to in house claims administration team.
      • Family discount of 5% is applicable.
      • Income tax benefit on the premium paid, as per section 80-D of the income Tax Act.

       Details about Premium

       

      * The above premium rates may change. Please see the policy wordings for more information.

      Policy Details

      Coverage: Whole family

      Sum Insured:

      • Rs. 50,000
      • Rs. 75000
      • Rs. 1 lac.

      Grace Period: Grace period of 15 days is allowed for payment of premium. If policyholder fails to make payment within the grace period, the waiting period of 2 to 4 years shall start afresh.

      Portability: If you are insured under any other health insurance policy of Non-life insurer you can transfer to Bajaj Allianz Health Guard Individual policy with all your accrued benefits after due allowances for waiting periods.

      Policy Termination: Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.

      Free Look Period: If you are not pleased with the policy features then you can cancel it within 30 days of receipt of the policy documents, provided no claim has been made.

      Exclusions

      • Different waiting periods are applicable for pre-existing diseases.
      • Cosmetic, aesthetic, or related treatments will not be covered.
      • Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
      • Treatments consisting of non-allopathic medicine are not covered under this policy.
      • Accident due to drunk driving.

      Eligibility

      The Policy can be taken from 3 months to 55 years and can be renewed up to 75 years.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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