Health Insurance

Bajaj Allianz Group Mediclaim Policy

Comprehensive policy to take care of hospitalisation expenses​
  • Sum Insured

    • Options for Sum Insured amount: ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh and ₹15 lakh

    • In-patient hospitalisation up to Sum Insured

    • Critical illness cover:  

      • 100% Sum insured for listed 10 critical illnesses

      • Double Sum Insured if insured person is diagnosed with the following critical illnesses (indemnity based) - 

        1. Cancer of specified severity 

        2. Myocardial infarction (first heart attack of specific severity) 

        3. Stroke resulting in permanent symptoms  

        4. Major organ/bone marrow transplant 

    • Double Restore benefit – Restoration of 100% of Basic Sum Insured if exhausted within policy year. If this Restored Sum Insured also gets exhausted due to claims made in a policy year, then Double Restore Sum Insured (equal to 100% of Base Sum Insured) will be automatically available for that policy year

  • Hospital Daily Cash benefit – ₹1,000 per day for up to maximum of 15 days

  • Ambulance cover – ₹2,000 per hospitalisation

  • Pre-hospitalisation – 90 days

  • Post-hospitalisation – 180 days  

  • Inclusion of 183 day-care procedures  

  • Preventive health check-up – 1% of Sum Insured (up to maximum of ₹7,500) at each renewal

  • Cumulative bonus – 10% for every claim-free year (up to maximum of 100% of Sum Insured)

  • E-opinion – Second opinion by a medical practitioner from our panel for critical illness

  • Ayush benefit

  • Guaranteed lifetime renewability

  • Maternity Benefit: Coverage for expenses including maternity-related complications subject to terms & conditions

  • Claim settlement up to ₹20,000 through Caringly Yours Mobile App

  • Organ donor expenses covered up to Sum Insured 

  • Income Tax benefits u/s 80D for bought for self, spouse, parents and dependent children

View the latest and complete list ofrates and charges 
 

Insurance is underwritten by Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116.

  • Policy can be purchased for self and/or family member(s), children, parents. 

  • The Insured person must be above 3 months of age (Floater) and 6 years of age (Individual). To cover children aged between 3 months to 5 years, the policy must also cover at least 1 adult. 

  • The Proposer needs to be above 18 years of age. 

  • Individual(s) who are 46 years of age and above and proposed for insurance must undergo medical tests at designated diagnostic centers. 

Issuance through PIT, enabled in branch banking 

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