Sign-in / Sign-up
It provides a gamut of covers for various health risks, household contents, education grant, and baggage during travel and public liability, all under one umbrella.
Health Insurance: Tax Gain Plan
WHY CHOOSE BAJAJ ALLIANZ TAX GAIN PLAN?
Health insurance has become a necessity for everyone with the extensive risk of lifestyle diseases that precede medical expenses. We cannot escape illnesses and unforeseen accidents, however, we can always be prepared to face them. A regular health insurance policy provides you coverage against diseases, hospitalization, accidental death, injuries and more.
We, at Bajaj Allianz General Insurance, always like to offer more when it comes to health insurance. Hence, our Tax Gain Plan not only safeguards your finances from medical bills but also helps you save money with its tax saving benefits.
Tax Gain Plan allows you to save tax and also avail OPD, hospitalization benefits and more. It is a family floater health insurance policy that covers all expenses related to medical treatment and hospitalization. With this policy, you can protect yourself and your family from hospital bills and also manage your tax efficiently.
WE OFFER A WHOLE LOT WHEN IT COMES TO TAX GAIN PLAN
KEY FEATURES
Tax Gain Plan offers healthcare and tax-saving benefits with the following features:
Extensive cover
This floater policy that covers hospitalization and OPD expenses.
Entry age
Any person, up to the age of 75 years, can be covered under the Tax Gain policy.
Personalized for senior citizens
You can opt for a separate plan for senior citizens covering both OPD and hospitalization expenses.
Health check-up
Avail health check-up benefit at the end of every 4 claim-free years.
Pre and post hospitalization cover
This policy covers pre and post hospitalization expenses up to 30 days and 60 days respectively.
Cashless facility
Access to over 6,500+ network hospitals across India for a cashless facility.
Waiver of co-payment
You can opt for co-payment waiver. Co-payment is a voluntary amount (%) that you can opt to pay from the overall Mediclaim while the rest of it is taken care of by us.
Ambulance cover
This policy provides ambulance cover in case of an emergency.
No restrictions of waiting period
This floater policy covers you from hospitalization and OPD expenses.
Consumable expenses
The cost of spectacles, dental procedures, dentures and crutches are covered under this policy.
THAT'S NOT ALL, HERE ARE ADDITIONAL BENEFITS WITH YOUR TAX GAIN PLAN
This Health Insurance Plan Provides Relief From Medical Expenses And Provides Tax Benefits And More As Mentioned Below:
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 6,500+ network hospitals across India. This comes in handy in case of hospitalization or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.
Multiple Sum Insured Options
his policy offers sum insured options for self, family and senior citizens.
Low premium
Our Tax Gain Plan offers affordable premium rates to suit your needs.
Tax saving
Avail income tax benefit under Section 80D of the Income Tax Act.*
Inclusion
Ambulance Cover: Cover Road Ambulance expenses in case of an emergency.
Pre and Post Hospitalization Expenses:
Cover expenses including before and after hospitalization.
Daycare Procedure:
Cover all expenses incurred under listed daycare treatment
Consumable Expenses:
Cover cost of consumable expenses such as spectacles, dental procedures, and crutches.
Exclusion:
1. Any medical expenses arising due to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority and claims due to nuclear weapons and/or materials.
02.Circumcision, cosmetic or aesthetic treatments, surgery for change of life/gender.
03.Plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury.
04.Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy.
05.Human Immunodeficiency Virus or variant/mutant viruses and AIDS, venereal disease or any sexually transmitted disease.
06.Hospitalization primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations.
07.Vaccination or inoculation unless forming a part of a post-bite treatment.
08.Vitamins, tonics, nutritional supplements unless forming part of the treatment.
09.Surgery to correct deviated nasal septum and hypertrophied turbinate.
10.Treatment for any mental illness or psychiatric illness. Benefits will not be available for any pre-existing condition, ailment or injury, until 48 months of continuous coverage have elapsed, after the date of inception of the first Tax Gain policy.
11.Cost of spectacles in the first year of the policy. This cost is payable in the second year of continuous renewal subject to a maximum limit of 25% of the OPD limit.
12.Cost of dentures in the first two years of the policy. This cost is payable in the third year of continuous renewal subject to a maximum limit of 25% of the OPD limit.
13.Cost of hearing aids in the first two years of the policy. This cost is payable in the third year of continuous renewal subject to a maximum limit of 25% of the OPD limit.
14.Any expenses for treatment taken without the doctor advising the same and which is not duly supported by prescriptions.
15.Any expenses for diagnostic tests without the treating doctor's referral.
16.Cost of annual health check-up.
17.Any expenses in excess of the maximum payable under the outpatient medical expenses limit.
18.Pregnancy and childbirth related expenses.
Day Care Treatments
Day care treatment refers to medical treatment, and/or surgical procedure which is:\\\\\\\\ni. undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 hrs because of technological advancement, and\\\\\\\\nii. Which would have otherwise required a hospitalization of more than 24 hours.\\\\\\\\nTreatment normally taken on an out-patient basis is not included in the scope of this definition.
Ambulance Charge
If a claim under Cover 1) is accepted, We will also pay the reasonable cost to a maximum of Rs 1000 per valid hospitalization claim for transferring You/Your\\\\\\\\nspouse named in the schedule to or between Hospitals in the Hospital’s ambulance or in an ambulance provided by any ambulance service provider.
Alternate Treatment
Alternative treatments are forms of treatments other than treatment “Allopathy†or “modern medicine†and includes Ayurveda, Unani, Sidha and Homeopathy\\\\\\\\nin the Indian context
Network Hospital Covered
Bajaj Allianz Network Hospitals / Network Hospitals means the Hospitals which have been empanelled by Us as per the latest version of the schedule of Hospitals maintained by Us, which is available to You on request.
Eye & Dental Covers
Dental treatment means a treatment related to teeth or structures supporting teeth including examinations, fillings (where appropriate), crowns, extractions\\\\\\\\nand surgery.
Existing Illness Waiting Period
a. That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement\\\\\\\\nor\\\\\\\\nb. For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy or its\\\\\\\\nreinstatement.
Medical Check-up
At the end of every continuous period of 4 years during which You/your spouse named in the schedule have held Our Tax Gain Policy without making a hospitalization claim , either You or your spouse ( any one of You) named in the schedule may apply to Us for a free medical check up (Physician Consultation, Fasting\\\\\\\\nBlood Glucose, Complete Blood Count, Serum Cholesterol, Urine Routine, X-ray Chest,) at a Bajaj Allianz Diagnostic Centre, the location of which We will specify\\\\\\\\nat the time of Your app.
Hospital Room Eligibility
Original Hospital Bill giving detailed break up of all expense heads mentioned in the bill. Clear break ups have to be mentioned for OT Charges, Medical\\nPractitioner/Doctor’s Consultation and Visit Charges, OT Consumables, Transfusions, Room Rent, etc.
Co-Payment
A co-payment is a cost-sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the\\\\\\\\nadmissible claim amount. A co-payment does not reduce the Sum Insured.
Maternity
a. Medical Treatment Expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic\\\\\\\\npregnancy.\\\\\\\\nb. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.\\\\\\\\n25. All non-medical Items as per Annexure II.\\\\\\\\n26. Any treatment received outside India is not covered under this policy\\\\\\\\nWhat we will not pay in case of Outpatient treatments
