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Individual

female
male

Family

 

Most Popular Policies of Bajaj Allianz General Insurance

  • Bajaj Allianz Critical Illness Policy
    This policy pays out hefty amount upon diagnosis of critical illness of proposer.
    Key features of Critical Illness Policy
    • Coverage is available for 10 critical illnesses
    • Lifelong renewal option available
    • 10% family discount available in policy.
    • Personal disability and death cover
    Buy now
  • Bajaj Allianz Family Floater Health Guard Policy
    The plan aims to cover an entire family which means any insured member of the policy can utilize the sum insured to pay hospitalization expenses.
    Key features of Family Floater Health Guard plan
    • Coverage available for laser eye surgery after 4 years of waiting period
    • No sub-limits applicable on boarding and room rent
    • Availability of second opinion in case of critical illness
    • Discount on premium is applicable if proposers opt for deductible
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  • Bajaj Allianz Health Care Supreme Policy
    The policy provides coverage for medical expenses and it comes with variants like individual and family floater.
    Key features of Health Care Supreme Policy
    • Availability of add-on covers like personal accident cover, ancillary cover, critical illness cover
    • Lifetime renewal and lifetime entry available
    • No sub-limit on room rent
    • Co-pay is not applicable
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About bajaj allianz sankat mochan

As described policy name suggests Sankat Mochan name that in Indian terms describes the solution for all troubles. Bajaj Allianz provide you the most comfortable policy ever that covers all the critical situations like death, Permanent disabilities, serious injuries, hospitalization and temporary disabilities. The policy provide over all cover to all these disastrous situations and protect your family and self form financial scarcity during these critical moment.

Age Band

Entry age band for proposer/spouse – 18yrs to 65yrs

Entry age band for children – 5yrs to 25yrs

Eligibility

The following categories of people are eligible in described categories

Risk Class 1 – Managers or administrative class, teachers, bankers, doctors, accountant, architect, engineer or similar occupation

Risk class 2 – manual labour, mechanic, drivers, cash carrying employee, builders, veterinary doctor or similar occupation

Key Features

  • There is facility of continuous renewal up to age of 65yrs

  • This policy provides you death cover

  • In all there are total of 16plans*

  • Proposer can select plan according to their need and spouse can be covered only from plan 1-5. However, children can be covered in plan 1-3only.

  • In house settlement included in policy

  • No health check up needed under all plans together

  • Medical cash reimbursement in case of accidental hospitalization

  • Tax benefit applicable under 80D section of Income tax Act

Specific additional Benefits

  • 100% of SI in case of death

  • 125% of SI in case of Permanent Total Disability (PTD)

  • In situation of Permanent Partial Disability (PPD) below provided table describes the percentage SI return in policy

PPD

% OF SI

Arm at shoulder joint

70%

Arm above elbow

65%

Arm below elbow

60%

Hand at wrist

55%

Single Thumb

20%

Index finger

10%

Any other finger

5%

Leg above mid thigh

70%

Leg up to mid thigh

60%

Leg beneath knee

50%

Leg up to mid-calf

45%

Foot at ankle

40%

Large toe

5%

Any other toe

2%

Single Eye

50%

Hearing of single ear

30%

Hearing of both ears

75%

Smelling sense

10%

Tasting sense

5%

  • In case of Temporary Total Disability (TTD) the 1% SI or Rs 5000/- is provided in policy

  • Children education bonus offered in case of proposers death or PTD

Premium chart

SANKAT MOCHAN PLANS

PLANS

Basic

Wider

Comprehensive

Acc. Hospital

Acc Hospital cash

First premium Risk class 1*

First premium Risk class 2*

Plan 1

200000

0

0

100000

0

240

270

Plan 2

100000

0

0

50000

1000

470

485

Plan 3

0

100000

0

50000

1000

525

550

Plan 4

0

0

100000

50000

1000

575

625

Plan 5

0

200000

0

100000

1000

650

700

Plan 6

0

0

200000

100000

0

450

550

Plan 7

0

0

200000

100000

1000

750

850

Plan 8

0

300000

0

100000

0

450

525

Plan 9

0

300000

0

100000

1000

750

825

Plan 10

0

0

300000

100000

0

600

750

Plan 11

0

0

300000

100000

1000

900

1050

Plan 12

0

0

500000

100000

0

900

1150

Plan 13

0

0

500000

100000

1000

1200

1450

Plan 14

0

0

500000

200000

0

1050

1300

Plan 15

0

0

500000

200000

1000

1350

1600

Plan 16

200000

200000

200000

200000

1000

1190

1370

Exclusion

OPTIONS

COVERAGE

Suicide, self injury or illness

Not covered

Alcohol or drugs consumption treatment

Not covered

STDs and AIDS

Not covered

Unlawful or criminal act

Not covered

Ballooning or aviation

Not covered

Motor racing accidents

Not covered

Pregnancy, miscarriage or abortion

Not covered

Nuclear radiation hazards

Not covered