Complete Health Insurance for Your Family
In This moment also rising medical costs, In this time Bajaj Allianz’s gives The complete health insurance. This Bajaj Allianz’s Health complete Guard- for Family Floater Option.This is the ideal health coverage for you and your family.This insurances also takes care of the costly medical treatment incurred during hospitalization resulting from very critical illness or any accident.
Every Person want to protect his /her family, but rising medical expenses mean that an unpremeditated accident or critical illness can put your savings – and their future – in jeopardy.It also Protect your family with the Bajaj Allianz Health Guard Family Floater option. This health insurance policy covers you and your whole family in opposition to medical expenses likes that hospitalization, doctor’s consultation, diagnostic tests, medicines, ambulance, etc. Now you never have to thought .about running out of cash when it comes to your family’s treatment.
What Coverage Do This Health Insurance?
Medical Expenses by Hospitalisation Charges: When you pay the medical expenses, This is the logicai charges that You perforce incur on the advice of a Doctor, as an in-patient in a Hospital for circumstance; And also including Boarding Expenses for the patients diet as give by the hospital/ nursing home ; nursing care; This attention of medically qualified staff; sustain medically necessary procedures; medical consumables.
Pre-hospitalization Charges: When you pay the expenses incurred, in appreciation of This medical treatment of an Illness during the sequent 60-day period instantly former Your admission to Hospital for that Illness, It take steps the aforesaid 60 day period commences and ends within the Policy Period.
Post-hospitalization Charges: When you pay the expenses incurred, in appreciation of medical treatment and necessary investigations for a period of upto 90 days after when discharge from a Hospital for the medical treatment related to the Illness or Accidental Bodily Injury.
Emergency Ambulance Charges: If a claim is accepted, When you pay the logicai cost to a maximum of Rs 1000 per valid hospitalization claim for transmit you / your family members named in the schedule to or between Hospitals in the hospital’s ambulance or in an ambulance provided by any ambulance provider.
Medical Check-up Charges: End of every successive period of 4 years during which you have held Our Health Guard Family Floater policy without making a claim you / your family members named in the cadastre may apply to us for a free medical check up This beneft also foats over the family member(s) covered under the policy.
Key Benefits of Health Insurance
- It also provides Cumulative bonus of 10% to your Limit of Indemnity for every claim free year.
- It also provides 10% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed in case policy is continuously renewed with us.
- It also provides No medical tests upto 45 years, subject to clean proposal form.
- It also provides Medical tests (pre-policy check-up) are mandatory for members aged 46 years and above.
- It also provides The pre-policy check up would be arranged at our empanelled diagnostic centers.
- It also provides 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued.
- It also provides when the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
- It also provides Free Health check-up at designated Bajaj Allianz diagnostic centers at the end of 4 continuous claim-free years. This benefit can be availed by only one member of the family.
- It also provides Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
- It also provides Free Look Period: If you would not be satisfied with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
- Due to unavoidable reasons, sometimes dates get pushed back a little. That’s why you now have a grace period of 30 days for renewing your existing Bajaj Allianz policy. The policy will be considered as continuous.
- It also provides 130 Day Care Procedures are covered under the policy.
- Now you will no longer be charged higher premium if there has been a claim in the previous policy!
Health Administration Team
- The team consists of doctors and para medics who are accountable for health underwriting and demand settlement.
- It Provides single window support to all the health insurance policy holders for all health care related services.
- Faster demand adjustment due to single point of contact.
- Effective and very quick in discerning customer queries/better and systematic redressal mechanisms.
- Control over Claims Settlement and Customer service.
Exclusions in Health Insurance
- There shall be a waiting period of 4 years for pre-existing diseases.
- All diseases/injuries existing at the time of proposing this insurance.
- Any disease consolidated during the first 30 days of starting of the policy.
- Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs. 35,000), sinusitis shall be
- covered after a waiting period of 2 years.
- Non-allopathic medicine.
- Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of
- proposal and policy acceptance)
- All expenses arising from AIDS and related diseases.
- Cosmetic, aesthetic or related treatment.
- Use of intoxicating drugs and alcohol.
- Joint replacement surgery (other than due to accident shall have a waiting period of four years).
Value Added Services (VAS)?
What are the Value Added Services refers to moving forward and/or extra services given to customers. You can save upto 30% on Medicine,OPD expenses and more value added services *
A Bajaj Allianz Health Card also makes you suitable for a number of discounts at health and fitness headquarters across the country.
- It gives OPD discounts at select outlets.
- It gives Discounts on Pathologies at select outlets.
- It gives Discount on Radiology at select outlets.
- It gives Discounts on Wellness Test at select outlets.
- It gives Discounts on Pharmacy.
- It gives Many more profitable health related offers at select outlets.
Save Tax with Health Insurance
It’s general consciousness the buying health insurance it also helps you to save tax. Under Section 80D of the Income Tax, you can also get the maximum tax benefit of Rs.25000 in this health insurance premium paid. The escape boundaries are as follows:
Members Details Tax Benefit
For Family Rs-25000/-
For Family + parents (Or Only Parents-below 60 years of age) Rs-50000/-
For Family + senior citizen parents (above 60 years of age) Rs- 55000/-
However, there are also have a few terms :
Any cash,or any mode of payment is allowable for demand tax profit.
The health insurance premium must be paid from your taxable income of that year only if you want to claim a deduction.