M-Care Health Insurance Policy

M-Care Health Insurance Policy

WHAT IS M-CARE HEALTH INSURANCE POLICY ALL ABOUT?

Introducing M-Care health insurance policy from Bajaj Allianz. Insure yourself from mosquito borne diseases like Dengue Fever, Malaria, Chikungunya, Zika Virus etc.
If electric mosquito swatters or fly repellent sprays are a constant on your monthly shopping list, then you need no introduction to the misery that airborne vectors are capable of causing. A good night s sleep is subject to the whims of these tiny little creatures in a country with a climate like ours. While you may be quick to spot a new anti-mosquito product at the supermarket, the results you get may not be worth the money you spend.

These techniques are, after all, quick fixes and do not protect you from getting infected. If you do fall ill due to a vector borne disease, you may have no provisions to cover the costs of treatment. Also, the cost of an average hospital stay can run into six figures very quickly!

Now, Bajaj Allianz M-Care health insurance helps you take on this health hazard and perhaps for the first time, win! We bring you a one of a kind health insurance policy that takes care of any financial setbacks that might occur due to medical treatment on account of vector borne illnesses. While a mosquito bite may hurt for a few seconds, any medical expenses resulting from it can take a much bigger bite out of your wallet and peace of mind. With Bajaj Allianz M-Care health insurance, you can now experience true freedom from worry. It the ideal health insurance policy for family that you may have been looking for!

Like soothing music, it can help you regain a sense of calm should the doctor s diagnosis say that you have malaria or dengue. If diagnosed during the policy period, you are covered from any medical expenses. Unlike mosquito repellent, M-Care health insurance works!

Our cashless health insurance policy makes paying the bills effortless, leaving you cheerful both during and after treatment. With M-Care health insurance, you l have an aura that exudes calm and confidence, much to the surprise of your friends and family! Were sure you happily tell them the secret- the first ever health insurance policy for family that exclusively covers vector borne illnesses.


KEY BENEFITS OF M-CARE HEALTH INSURANCE POLICY

Regardless of the weather, Bajaj Allianz M-Care health insurance makes sure that you are never caught unprepared. In the event of a medical emergency due to vector borne illnesses, we even offer you a discount on premium if you buy the policy online! After all, a burden shared is a burden halved.

From diagnosis to recovery, you l surely feel the difference with the Bajaj Allianz M-Care health insurance policy cover by your side! Acting in tandem with your doctor, this one of a kind medical insurance policy helps you get back on your feet quickly by giving you comprehensive benefits:

Cover for all:
Floater policy for proposer/spouse/dependent children/dependent parents.

Cashless facility:
Access to the cashless facility (subject to cashless authorization and limit of benefits)

20% discount applicable:
20% discount applicable if a customer buys this health insurance policy from our website

Lifetime renewal option:
Lifetime renewal benefit is available

Free look period:
Free look period of 15 days

Different sum insured options:
Sum insured options of minimum Rs. 10,000 and maximum Rs. 75,000

Inclusion:

What coverage do i get?
The Bajaj Allianz M-Care health insurance policy protects you from the financial impact of vector borne diseases like a wide brimmed hat that gives respite from the harsh sun, the Bajaj Allianz M-Care health insurance policy protects you from the financial impact of vector borne diseases. It is like a coat of armor offering several coverage options depending on your specific needs. If you are diagnosed during the policy period, we cover you from a host of diseases. Wondering what those are? Read on.

1. Dengue Fever
2. Malaria
3. Filariasis(Payable only once in a lifetime)
4. Kala Azar
5. Chikungunya
6. Japanese Encephalitis
7. Zika Virus

Family cover:
Floater policy for proposer, spouse, dependent children and dependent parents.

Exclusion:

1.Any Treatment other than for vector-borne diseases as listed coverage section.

2.Admission to hospital for less than 24 hours.

3. Diagnosis and treatment outside India.

However, this exclusion shall not be applicable in the below-listed countries

New Zealand Japan
Singapore Canada
Switzerland Dubai
USA Hong Kong
Malaysia Countries of the European Union

4.Like a world class pole vault athlete
M-Care health insurance gains momentum after a brief run-up! If your diagnosed with a vector-borne disease within the first 15 days of the date of commencement of your Health Insurance Policy, coverage is excluded. However if you have renewed an existing health insurance policy, we will be happy to provide coverage. Here, there is a caveat! For coverage to be applicable there must be no claims made in the previous year.

5.A 60 day waiting period
A 60 day waiting period will be applicable for any pre-existing illnesses for which you have undergone treatment prior to taking out your M-Care Health Insurance Policy. However if you have made a claim and renew your health insurance policy the following year, a 60 day waiting period would be applicable from the date of the last treatment for the specific condition for which a claim was made previously.

6.A 60 day cooling off period
If you renew your M-Care Health Insurance Policy within 60 days of the date of the last paid claim, a 60 day cooling off period shall apply for the same ailment on renewal; however, there would be no waiting period for any other listed vector-borne diseases.

7.Waiting period of 15 days
If your M-Care Health Insurance Policy is renewed 60 days after the date of admission of the previously paid claim, then a fresh waiting period of 15 days shall apply for all listed vector-borne diseases under the policy.