Health Infinity Plan

Health Infinity Plan

WHY CHOOSE BAJAJ ALLIANZ HEALTH INFINITY PLAN?

We all want to give the best of facilities to our families and their sound health is of supreme importance to us hence we want to have the best when it comes to Health Insurance.
Keeping this in mind, Bajaj Allianz General Insurance has come up with Health Infinity plan, which provides comprehensive benefits, it is a perfect Health Insurance. product to take care of medical expenses for you and your family in case of unfortunate event of hospitalization for illness/ injury.

An insured person can claim for all hospitalization expenses under this policy. However, if the claim approved amount exceeds 100 times the room rent limit opted (in a single claim or multiple claims) then the co -payment of 15% / 20% / 25% as opted would apply on the claim amount. The co-payment would apply on the claim approved amount exceeding 100 times of the room rent limit and not on the complete claim.

WE HAVE LISTED DOWN THE HIGHLIGHTS OF HEALTH INFINITY PLAN

KEY FEATURES

When all materialistic things can be unlimited, then why do we put a limit to our care? We bring to you, 'Health Infinity', an initiative to extend boundless care to protect your health.

No limit on sum insured:
Under this plan, one can avail Indemnity Health Insurance Plan without any limit on Sum Insured.

Coverage for family members:
This policy provides coverage to self, spouse, dependent children and parents on Individual basis

Covers pre and post hospitalization expenses:
This policy covers pre and post hospitalization expenses up to 60 days and 90 days respectively.

Preventive Health Checkup:
You are eligible for a Preventive Health Check Up at the end of every 3 policy years, We will reimburse the amount equal to per day room rent opted max. up to INR 5,000 per person whichever is lower.

Covers road ambulance expenses:
This policy covers ambulance expenses incurred up to Rs. 5000 per hospitalization.

Covers daycare procedures:
This policy covers medical expenses incurred while getting treated for listed day care procedures.

Per day room rent options:
Under this policy, one can avail room rent options ranging from Rs. 3000 up to Rs. 50000

Multiple policy term options
This policy can be taken for a duration of 1, 2 or 3 years.

THAT'S NOT ALL, HERE ARE THE ADDITIONAL BENEFITS WITH YOUR HEALTH INFINITY PLAN

Our Health Infinity Plan Provides Extensive Coverage With Multiple Benefits:

Renewability
One can avail lifetime renewal option along with this policy.

Tax Saving
Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Health Infinity Plan for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximize tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh

Hassle - Free Claim Settlement
Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,000 network hospitals across India.

Preventive Health Check-Up
Free preventive health check-up at the end of every block of 3 policy years

Portability Benefit:
If you are insured under any other health insurance policy, you can switch to this policy with all accrued benefits (after due allowances for waiting periods) to enjoy all the benefits of the policy.

Long-Term Policy:
This policy can be purchased for a period of 1, 2 or 3 years.

Multiple discounts:
Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as

1) Family Discount of 5%

2) Long Term Discount-for 2 years 4% and for 3 years 8%

3) Wellness Discount of 5%


Waiting Period

All claims payable will be subject to the waiting periods specified below
Initial Waiting Period of 30 days :

1. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident provided the same are covered.

2. This exclusion shall not however, apply if the insured has Continuous Coverage for more than twelve months.

3. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently.

Pre Existing Diseases/ Specific Procedures Waiting Period

Expenses related to the treatment of a pre-existing Disease (PED)/Specific procedure/conditions such as Joint Replacement, Hypertrophied turbinate, Congenital internal diseases or anomalies, etc, and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Infinity Policy with Us. This is an indicative list for detailed terms and conditions please refer the policy wordings

Specified disease/procedure waiting period

Expenses related to the treatment of the listed Conditions, surgeries/treatments such as cataract, hernia, hysterectomy, etc. shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Infinity Policy with Us. This exclusion shall not be applicable for claims arising due to an accident. This is an indicative list for detailed terms and conditions please refer the policy wordings

IMPORTANT POINTS TO NOTE BEFORE BUYING FAMILY HEALTH INSURANCE

Inclusion:

In-patient Hospitalization Treatment
If the Insured is hospitalized on the advice of a Medical Practitioner as defined under policy because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period, then the Company will pay the Insured, Reasonable and Customary Medical Expenses incurred subject to

i. Room rent expenses as provided by the Hospital/ Nursing Home maximum up to the per day room rent limit opted

ii. If admitted in ICU, the Company will pay up to ICU actual expenses provided by Hospital.

iii. Nursing Expenses as provided by the hospital

iv. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.

v. Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances,

vi. Dialysis, Chemotherapy, Radiotherapy, physiotherapy

vii. Medicines, Drugs and consumables

viii. Cost of Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic Implants, infra cardiac valve replacements, vascular stents.

ix. Relevant laboratory diagnostic tests, X-ray and such similar expenses that are medically prescribed by the treating medical practitioner.


Pre-Hospitalization:
The Medical Expenses incurred during the 60 days immediately before the Insured was hospitalized, provided that: Such medical expenses were incurred for the same illness/injury for which subsequent Hospitalization was required, and the Company has accepted an In-patient Hospitalization claim under In-patient Hospitalization Treatment


Post-Hospitalization:
The Medical Expenses incurred during the 90 days immediately after the Insured was discharged post Hospitalization provided that: Such costs are incurred in respect of the same illness/injury for which the earlier Hospitalization was required, and the Company has accepted an In-patient Hospitalization claim under Inpatient Hospitalization Treatment.


Road Ambulance:
a. The Company will pay the reasonable cost up to a maximum of Rs 5000/- per Hospitalization incurred on an Ambulance offered by a healthcare or ambulance service provider for transferring the Insured to the nearest Hospital with adequate emergency facilities for the provision of health services following an Emergency.

b. The Company will also reimburse the expenses incurred on an ambulance offered by a healthcare or ambulance Service provider for transferring the Insured from the Hospital where he/ she was admitted initially to another hospital with higher medical facilities.

Claim under this section shall be payable by the Company only when:.

i . Such life threatening emergency condition is certified by the Medical Practitioner, and

ii. The Company has accepted Insured's Claim under In-patient Hospitalization Treatment or Day Care Procedures section of the Policy Brochure. Subject otherwise to the terms, conditions and exclusions of the Policy.


Day Care Procedures:
The Company will pay the Insured medical expenses as listed above under In-patient Hospitalization Treatment for Day care procedures / Surgeries taken as an inpatient in a hospital or day care Centre but not in the outpatient department.


Preventive Health Check Up:
At the end of block of every continuous period of 3 years during which you have held Our Health Infinity Policy, You are eligible for a free Preventive Health checkup. We will reimburse the amount equal to per day room rent opted (maximum up to Rs. 5000/- whichever is lower) for each member in Individual policy during the block of 3 years.

Exclusion:

01. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

02. Investigation & Evaluation

a. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a Hospital.

b. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.

03. Cosmetic or plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.

04. Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization.

05. Medical expenses where inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioner round the clock.