Bajaj Allianz Health Insurance Riders

Bajaj Allianz Health Insurance Riders

Bajaj Allianz Health Insurance riders extend the coverage level of a Bajaj Allianz health insurance policy on payment of an extra premium amount. It enables policyholders to avail coverage that are missing from their base health policy. Policyholders can buy these riders from Bajaj General Insurance Company at the time of buying or renewing the policy.

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List of Bajaj Allianz Health Insurance Riders in India

Take a look at the Bajaj Allianz Health Insurance riders list below:

1. Bajaj Allianz Air Ambulance Cover

   The Bajaj Allianz Air Ambulance rider pays for ambulance transportation of the insured in an aeroplane or helicopter to the nearest hospital during a medical emergency. This rider is available under Bajaj Allianz Extra Care Plus and Bajaj Allianz Global Personal Guard Insurance plans.

2. Bajaj Allianz Accidental Hospitalization Expenses

   The Bajaj Allianz Accidental Hospitalization Expenses rider pays for the in-patient hospitalization, day care procedures, pre-hospitalization and post-hospitalization expenses of the insured. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

3. Bajaj Allianz Road Ambulance Cover

   The Bajaj Allianz Road Ambulance rider reimburses the actual medical expenses incurred on availing road ambulance services to transport the insured to the nearest hospital during an emergency or from one hospital to another for further treatment. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

4. Bajaj Allianz Room Rent Capping

   The Bajaj Allianz Room Rent Capping rider limits your daily hospital room rent to 1% of the sum insured for up to a maximum of Rs 7500 per day. This rider is available under the Bajaj Allianz Silver Health policy.

5. Bajaj Allianz Dental Plan 

   The Bajaj Allianz Dental plan rider covers the medical expenses incurred outside India on dental treatment, dental surgery and periodontics. This rider is available under the Bajaj Allianz Global Health Care plan.

6. Bajaj Allianz Travel Expenses Benefit

   The Bajaj Allianz Travel Expenses Benefit rider reimburses the travel expenses of a family member if the insured is hospitalized due to an accidental bodily injury. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

7. Bajaj Allianz Ancillary Expenses Benefit

   The Bajaj Allianz Ancillary Expenses Benefit rider pays a daily allowance to the policyholder if he/she is hospitalized for more than a day. It pays twice the daily allowance amount in case of ICU hospitalization. This rider is available under the Bajaj Allianz Health Care Supreme policy.

8. Bajaj Allianz Children Education Benefit

   The Bajaj Allianz Children Education Benefit rider pays a lump sum amount towards the education cost of the policyholder’s dependent children in case of accidental death or permanent total disability. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

9. Bajaj Allianz Personal Accident Cover

   Bajaj Allianz Personal Accident rider pays a fixed amount if an accidental bodily injury of the insured results in death, permanent total disability, permanent partial disability, and temporary total disability. It also covers the cost of transporting the mortal remains and offers children education benefits. This rider is available under the Bajaj Allianz Health Care Supreme policy.

   You can also read: Why Should You Buy a Personal Accident Insurance Policy?

10. Bajaj Allianz Loss of Income Cover

    The Bajaj Allianz Loss of Income rider makes a weekly payment to the policyholder if the insured is hospitalized for 72 hours or more. This rider is available under the Bajaj Allianz My Health Care plan. The weekly benefit will be paid for up to 8 weeks, depending on the total days of hospitalization.

11. Bajaj Allianz Critical Illness Cover

    The Bajaj Allianz Critical Illness rider pays a lump sum amount if the insured is diagnosed with any of the 15 listed critical illnesses for the first time. This rider is available under the Bajaj Allianz Health Care Supreme policy.

    Know more about -  Critical Illness Insurance 

12. Bajaj Allianz Coma due to Accidental Bodily Injury

    The Bajaj Allianz Coma due to Accidental Bodily Injury rider pays a lump sum amount if the insured is in a coma due to accidental bodily injury. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

13. Bajaj Allianz Hospital Cash Benefit

    The Bajaj Allianz Hospital Cash Benefit rider pays a daily cash benefit to the policyholder for a maximum of 60 days if the insured is hospitalized due to an accident. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

    Know more about - Hospital Cash Benefit

14. Bajaj Allianz Loan Protector Cover

    The Bajaj Allianz Loan Protector rider pays the outstanding loan amount of the policyholder up to the sum insured amount if an accident causes death or permanent total disability. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

15. Bajaj Allianz Adventure Sports Benefit

    The Bajaj Allianz Adventure Sports Benefit rider pays an additional amount if an adventure sports injury leads to the death or permanent total disability of the insured. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

    People also read: Adventure Sports Insurance for an Adrenaline Junkie

16. Bajaj Allianz Fracture Care 

    The Bajaj Allianz Fracture Care rider pays an amount for fracture care if an accident of the insured has led to one or more fractures of bones. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

17. Bajaj Allianz International Cover – Emergency Care

    The Bajaj Allianz International Cover – Emergency Care rider covers the hospitalization expenses incurred anywhere outside India during a medical emergency for a maximum of 45 days in a single trip and 180 days in the policy year. This rider is available under the Bajaj Allianz My Health Care plan.

    People also read: Global Health Insurance

18. Bajaj Allianz Major Illness and Accident Multiplier 

    The Bajaj Allianz Major Illness and Accident Multiplier rider doubles the sum insured for in-patient hospitalization if the insured is hospitalized for an accidental injury or any of the 10 listed critical illnesses. This rider is available under the Bajaj Allianz My Health Care plan.

19. Bajaj Allianz Loss of Income Due to Disability from Accident

    The Bajaj Allianz Loss of Income Due to Disability from Accident rider pays a weekly allowance to the policyholder for a maximum of 100 weeks and Rs 50,000 per week if an accidental injury prevents the insured from performing employment duties temporarily or entirely. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

20. Bajaj Allianz EMI Payment Cover

    The Bajaj Allianz EMI Payment Cover rider pays the EMI of the policyholder for up to 3 months if an accidental injury has led to permanent partial disability of the insured and prevented him/her from performing employment duties for at least 1 month. This rider is available under the Bajaj Allianz Global Personal Guard Insurance policy.

Benefits of Bajaj Allianz Health Insurance Riders

Check out the benefits of buying Bajaj Allianz Health Insurance riders:

1. Wide Range of Options

   The Bajaj Allianz General Insurance Company offers a wide range of riders catering to the varying needs of different individuals. This enables policyholders to choose a rider that brings them closer to their desired medical coverage.

2. Enhanced Coverage

   Policyholders can enhance the coverage level of a Bajaj Allianz health insurance policy by opting for one or more riders. This eliminates the need to buy another policy to get comprehensive medical coverage.

3. Lower Premiums

   Buying a Bajaj Allianz health insurance rider is more affordable than purchasing another mediclaim policy. As a result, policyholders pay a lower premium to get the coverage they want.

4. Customized Plans

   Bajaj Allianz health insurance riders enable policyholders to customize their medical insurance policy as per their choice without paying expensive premiums.