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Healthcare Supreme is a comprehensive plan with a wide range of coverage to fulfil all your healthcare needs, at every stage of life.
Comprehensive Health Insurance: Health Care Supreme
WHY CHOOSE BAJAJ ALLIANZ HEALTHCARE SUPREME?
Each stage of life brings new challenges and threats. Today, our fast-paced lives are more prone to health issues and ailments. Are we truly prepared to face these head-on? It is now imperative to have a holistic health insurance policy that safeguards us from the colossal expenses of medical treatments and hospitalization.
And let's not forget life's unforeseen accidents that can leave us and our loved ones in dire straits. Prepare for these situations by opting for a health insurance cover that provides cover against both, illnesses and accidents.
Healthcare Supreme is a comprehensive plan with a wide range of coverage to fulfil all your healthcare needs, at every stage of life. With this policy, you can stand tall and face any medical emergency without suffering from a major financial setback. Healthcare Supreme offers many value-added features such as critical illness cover, maternity benefits, out-patient cover, dental treatments, pre hospitalization cover for 60 days and post hospitalization expense cover for 90 days and much more.
WE OFFER A WHOLE LOT WHEN IT COMES TO HEALTHCARE SUPREME POLICY
KEY FEATURES
Health insurance and peace of mind 24 hours a day, 365 days a year with Healthcare Supreme policy's extensive range of features:
Sum insured reinstatement
100% sum insured will be restored, in case the sum insured under hospitalization expenses is exhausted during the course of the policy.
Air ambulance cover
This policy covers expenses for air evacuation in case of an emergency.
Out-patient expenses cover
If you consult a specialist consultant/medical practitioner on an out-patient basis for an illness/injury contracted during the policy period, we will pay the out-patient expenses for, Specialist consultations.
Investigations related to the illness/injury as prescribed by the specialist.
Medicines related to the illness/injury as prescribed by the specialist.
Dental procedures - root canal treatment and extractions.
Consultations for psychiatric disorders.
Cumulative bonus
Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year (up to 50% of the sum insured under hospitalization section).
Pre and post hospitalization cover
This policy covers pre and post hospitalization expenses up to 60 and 90 days, respectively.
Ayurvedic and homoeopathic treatment
This policy covers in-patient hospitalization expenses incurred in a recognized Ayurvedic/homeopathic hospital where the admission period is not less than 24 hours.
Maternity cover
Avail maternity benefits with a newborn baby cover as per the sum insured, effective from the 3rd year of the policy.
Special benefits
This policy provides special benefits such as recovery benefit and covers physiotherapy and organ donor expenses.
Ambulance cover
This policy covers ambulance charges up to the sum insured under hospitalization section.
THAT'S NOT ALL, HERE ARE ADDITIONAL BENEFITS WITH YOUR HEALTHCARE SUPREME POLICY:
We Provide Superior Health Insurance Coverage Against Illnesses And Accidents With Additional Benefits
Free Health Checkup
Avail free health check-up at our designated medical centers upon every policy renewal irrespective of your claim history.
Tax saving
Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act*
Individual and Floator option
You can opt for an individual or family floater policy with the sum insured ranging between Rs. 5 lakh and Rs. 50 lakh.
Daycare Expenses Cover
This policy covers medical expenses incurred during the treatment of listed daycare procedures or surgeries.
Renewability
You can renew your Healthcare Supreme policy for your entire lifetime.
Hospitalization Cover
This policy covers your room rent and other hospital expenses without any restriction.
ADD-ON COVERS
Our Healthcare Supreme Policy Also Comes With Some Optional Add-On Covers That Expand Coverage And Offer Total Protection On Hospitalization.
Ancillary Expenses Benefit
This policy provides a daily cash benefit based on the plan you opt for. The sum insured and benefit varies for each plan as given below:
Vital Plan: For an individual, the sum insured is Rs 1,000 per day for 30 days for non-ICU occupancy, Rs 2,000 per day for 15 days for ICU occupancy and total sum insured is Rs 30,000.
For family floater, the sum insured is Rs 1,000 per day for 60 days for non-ICU occupancy, Rs 2,000 per day for 30 days for ICU occupancy and total sum insured is Rs 60,000.
Smart Plan: For an individual, the sum insured is Rs 2,000 per day for 30 days for non-ICU occupancy, Rs 4,000 per day for 15 days for ICU occupancy and total sum insured is Rs 60,000.For family floater, the sum insured is Rs 2,000 per day for 60 days for non-ICU occupancy, Rs 4,000 per day for 30 days for ICU occupancy and total sum insured is Rs 1.2 lakh.
Ultimo Plan: For an individual, the sum insured is Rs. 2,500 per day for 30 days for non-ICU occupancy, Rs. 5,000 per day for 15 days for ICU occupancy and total sum insured is Rs. 75,000. For family floater, the sum insured is Rs. 2,500 per day for 60 days for non-ICU occupancy, Rs. 5,000 per day for 30 days for ICU occupancy and total sum insured is Rs. 1.5 lakh.
Critical Illness Benefits
Coverage against 15 critical illnesses.
Sum insured options between Rs 5 lakh to Rs 10 lakh.
A lump sum amount will be provided to you as per your policy's terms, immediately after the diagnosis of the critical illness.
A waiting period of 90 days is applicable.
Personal Accident Cover
In case of death due to an accident, 100% of the sum insured will be payable to your nominee. In case of permanent total disability due to an accident, 200% of the sum insured will be payable.
IMPORTANT POINTS TO NOTE BEFORE BUYING HEALTHCARE SUPREME POLICY
Personal Accident Cover
Provide coverage in case of death or disability due to an accidental injury.
Critical Illness Cover
Cover-15 life threatening medical conditions
Children Education Benefit
In case of accidental death or injury, upto 2 of your children are eligible for a children education benefit of Rs 5000 each.
Transportation Benefit
In case of accidental death or injury avail transport benefit of up to RS 5000.
Exclusion
1.Hospitalization cover and hospital cash daily allowance cover
We will not be liable to make any payment for any claim directly or indirectly caused by/based on/arising out of or attributable to any of the following:
Circumcision unless required for the treatment of an illness or accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender. War or act of war, nuclear, chemical or biological weapon and radiation of any kind. Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury.
Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy. Intentional self-injury.
Ailments requiring treatment due to use or abuse of drugs or alcohol and treatment for de-addiction. Medical expenses relating to any hospitalization primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations. Vitamins, tonics, nutritional supplements unless forming a part of the treatment for injury or disease as certified by the attending doctor. Treatment for any other system other than allopathy.
This exclusion is not applicable for Ayurvedic and homoeopathic medicine expenses. Fertility, sub-fertility, impotence, assisted conception operation or sterilization procedure. Weight management services and treatment related to weight reduction programs.
2.Critical illness cover
Any pre-existing critical illness. Any critical illness diagnosed within the first 90 days of policy issuance. Expenses arising from any sexually transmitted diseases or HIV and AIDS. Consequential losses of any kind or your actual or alleged legal liability. Treatment arising from or traceable to pregnancy and related complications.
3.Personal accident cover
An injury caused due to a suicide, an attempted suicide or a self-inflicted injury. A condition arising or resulting from committing any breach of law with a criminal intent. Injury/condition caused during hazardous sports activities. Consequential losses of any kind or your actual or alleged legal liability. Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public or local authority.
Day Care Treatments
We will pay you the medical expenses as listed above under Section A1 for Day care procedures / Surgeries taken as an inpatient in a\\nhospitalorday carecentrebutnotintheoutpatientdepartment. IndicativelistofDayCareProceduresisgivenintheannexure 1 of Policy\\nwordings
Post-Hospitalization
TheMedicalExpensesincurredduringthe90daysimmediatelyafterYouweredischargedpostHospitalisationprovidedthat:Such costs\\nareincurredinrespectofthe sameillness/injury forwhichthe earlierHospitalisationwasrequired, andWehave accepted an inpatient\\nHospitalisation claim under Benefit Hospitalisation expenses(section A1).
Pre-Hospitalization
The Medical Expenses incurred during the 60 days immediately before you were Hospitalised, provided that: Such Medical Expenses\\nwere incurred for the same illness/injury for which subsequent Hospitalisation was required, and We have accepted an inpatient\\nHospitalisation claim under Benefit Hospitalisation expenses(section A1).
Ambulance Charge
Wewillreimburse the expensesincurred on an ambulance offered by a healthcare or ambulance service providerfortransferring You\\nto the nearest Hospital with adequate emergency facilities for the provision of health services following an Emergency, provided\\nthat: Wehave accepted an inpatientHospitalisation claim under BenefitHospitalisation expenses(section A1).\\nWe will also reimburse the expenses incurred on an ambulance offered by a healthcare or ambulance service provider for\\ntransferring You fr
Ayurvedic & Homeopathic treatment Hospitalisation Expenses
IfYouareHospitalisedfornotlessthan24hrs,inanAyurvedic/HomeopathicHospitalontheadviceofaMedicalPractitioner/Doctorbecause\\nofIllness or Accidental Bodily Injury sustained or contracted during the Policy Period
Network Hospital Covered
covered
Air Ambulance
We will pay for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions which require\\nimmediate and rapid ambulance transportation from the site of first occurrence of the illness /accident to the nearest hospital. The\\nclaim would be reimbursed up to the actual expenses subject to a maximum limit as specified under the Air Ambulance section\\nin the policy schedule.\\n\\t Return transportation to the client’s home by air ambulance is excluded
Eye & Dental Covers
means a treatment related to teeth or structures supporting teeth including examinations, fillings (where appropriate), crowns,\\nextractions and surgery
Family Floater Option
Available
Maternity
We will pay the Medical Expenses for the delivery of a baby (including caesarean section) and/or expenses related to medically\\nrecommended and lawful termination of pregnancy, limited to maximum 2 deliveries or termination(s) or either, during the\\nlifetimeoftheinsuredperson,
