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Get the Best Health Insurance Plan Online in India

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
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  • 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 Star Package Policy

Bajaj Allianz Star Package Policy as the name suggest is an excellent policy that provides umbrella protection to the individual and family of policyholder. This policy is determined as 360 Degree Protection Plan in insurance industry. This policy is categorized in 8sections and customer needs to opt for minimum of 3sections under Bajaj alliance Star Package Health Insurance Policy.

Star Features of policy

  • Lifelong renewal
  • Single insurance for variable risks
  • Umbrella financial protection
  • Tax Benefits under 80D section of Income Tax Act is provider in policy
  • Discounts

Sectional Discount

Long Term Policy Discount

10% discount if 4 or 5 sections are opted by policy holder

10% discount applicable if policy is opted for 2years

15% discount applicable if 6,7 or 8 sections are opted by policy holder

15% discount applicable if policy is opted for 3years

Age Band

Entry age for Adult – 18 years to 45 years

Entry age for children with both parents- 3months to 5 years

Entry age for children with one parent – 6years to 25years

Different sections of policy (Advantages and Exclusions)

Section -1 Hospital Cash

Benefits

Exclusions

Control incidental expenses during hospitalization period.

Daily benefit amount in policy is doubled for ICU admissions.

This section work as floater where spouse and children are covered in policy.

Spouse coverage additional premium is 50% and for children it is 25% additional premium per child.

Pre existing or birth borne diseases.

All variant of cancer are excluded except invasive melanoma.

Any routine check-up or laboratory diagnosis.

Sickness clarified as epidemic.

Cosmetic treatments.

Self afflicted injuries or conditions.

STDs including AIDS

Section -2 Health Guard

Benefits

Exclusions

Pre and post hospitalization expenses for 60 and 90 days.

Ambulance charges included up to Rs. 1000 per emergency.

10% co-payment in case of non-network hospital of the admissible claim.

10% Cumulative Bonus benefit for each claim free year.

Any pre existing conditions, disease or injury.

Joint replacement or cosmetic surgery.

AIDS or STDs.

Medical expense where hospitalization is not warranted in excluded from section.

Weight management service and treatment related to weight reduction.

Treatment of mental illness and genetic disorders.

Section -3 Critical Illness

Benefits

Exclusions

After diseases diagnosis and 30days survival, benefit amount is provided in one delivery to control hospital expenses.

Insurance amount can be used for treatment, donor expenses or lifestyle changes.

Any critical illness in which physician recommends care, treatment or advice.

STDs and AIDS.

Occupational diseases.

Natural peril hazards are excluded.

Radioactive contamination.

Section -4 Personal Accident

Benefits

Exclusions

100% sum insured payable in conditions of death due to accident.

125% sum insured payable in condition of permanent disability.

1% of sum insured per week is payable up to 100weeks for temporary disability condition.

Section -5 Education Grant

Benefits

Exclusions

The sum insured will be payable for the education of deceased child/children in case of accidental death or total disability of insured individual.

Claim in payable to nominated person.

Suicide cases are excluded.

Drug and alcohol consumption accidents.

Unlawful or criminal act death.

STDs and AIDs.

Section -6 Household Contents

Benefits

Exclusions

The household coverage is benefited under first loss as per Standard Fire Policy and Burglary Policy.

Section -7 Travelling Baggage

Benefits

Exclusions

This policy is specifically beneficial for travellers at national as well as international level.

Benefit of baggage loss insurance is provided in policy.

Loss or damage due to cracking, process of cleaning, moth or vermin is excluded.

Loss due to mechanical derangement is excluded

Ornamental loss is excluded.

Documentary or paper loss.

Loss or damage due to improper management of luggage like leakage of liquid, oils etc.

Section -8 Public Liability

Benefits

Exclusions

This section provided financial benefits for loss caused to some third party by any harmful activity of policyholder.

Liability arising due to intentional or wilful act.

Liability rising out of ownership, possession or household stuff.

Transmission of any disease.

Occupational business, trade or employment liability.