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Bajaj Allianz's Health Ensure Policy comes with new comprehensive benefits at competitive premiums and is a perfect product to care of medical expenses for you and family in case of unfortunate event
Health Ensure Policy
WHY CHOOSE BAJAJ ALLIANZ HEALTH ENSURE?
The incidents of lifestyle diseases and inflation in medical costs are directly proportional. Owing to this, sufficient health insurance has become a necessity for everyone. Future healthcare needs can no longer be ignored today. The inadequacy of adequate healthcare insurance can lead to a lot of stress at a later stage in life because a medical emergency rarely, if ever, comes announced.
Considering all of the above predicaments, we strive to provide health insurance solutions that shield you from all financial troubles caused due to lifestyle diseases, accidents, critical illnesses and more. Our Health Ensure policy provides comprehensive healthcare benefits and, hence, qualifies as one of the perfect policies to take care of all your medical expenses in the time of a medical emergency.
WE OFFER A WHOLE LOT WHEN IT COMES TO HEALTH ENSURE POLICY
KEY FEATURES
Complete protection and healthcare benefits with the following features:
1. Extensive cover:
Opt for individual or family floater option, which covers self, spouse, children, grandchildren, siblings, parents, parents-in-law and grandparents.
2. Covers organ donor expenses :
This policy covers expenses towards an organ donor's treatment for the harvesting of a donated organ.
3. Covers ayurvedic/homoeopathic treatment :
This policy covers in-patient hospitalization expenses, up to 20% of the sum insured incurred in a recognized Ayurvedic/homeopathic hospital where the admission period is not less than 24 hours.
4. Covers pre and post hospitalization expenses:
This policy covers pre and post hospitalization expenses up to 30 days and 60 days respectively.
5. Covers daycare procedures:
This policy covers you against medical expenses incurred during the treatment of any listed daycare procedures or surgeries.
6. No age limit:
You can opt for this policy without any age restriction.
7. Covers ambulance expenses:
This policy covers expenses incurred for availing emergency ambulance services at the time of admission or discharge, up to Rs 1,000.
THAT'S NOT ALL, HERE ARE ADDITIONAL BENEFITS WITH YOUR HEALTH ENSURE POLICY
This Health Insurance Plan Provides Relief From Medical Expenses With Various Other Benefits Listed Below:
Preventive Health Check
You can avail a free preventive health check-up at the end of a continuous period of 3 years during which your Health Ensure policy is active.
Cumulative Bonus:
At the time of renewal if there is no claim in the previous year policy the insured would be eligible for a 5% cumulative bonus.
Hassle-free claim settlement:
Our in-house claim settlement team ensures a convenient, 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.
Tax saving
Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act.
Long Term Discount
Avail a long-term policy discount as mentioned below: 4% discount is applicable if policy term is 2 years. 8% discount is applicable if policy term is 3 years.
IMPORTANT POINTS TO NOTE BEFORE BUYING HEALTH ENSURE POLICY
Inclusion
1. Ayurvedic/ Homeopathic Cover
Covers Ayurvedic and Homeopathic hospitalization if the admission period is not less than 24 hours.
2. Ambulance Cover
Covers ambulance charges in case of an emergency
3. Pre and Post Hospitalization Expenses
Covers Pre and Post Hospitalization expenses up to 30 days and 60 days respectively.
4. Daycare Procedures
Covers medical expenses incurred during the treatment of the listed daycare procedure or surgeries.
5. Organ Donor Expenses
Cover expenses toward organ donor's treatment for harvesting of the donated organs.
Exclusion
1. Waiting period
A waiting period is the duration as determined by your policy conditions, during which your healthcare coverage is not admissible under the policy.
2. General exclusions
Any treatment arising from or traceable to pregnancy or childbirth, including caesarean section and/or any treatment related to pre and postnatal care and complications arising out of pregnancy and childbirth. However, this exclusion will not apply to ectopic pregnancy proved by diagnostic means and certified to be life-threatening by the attending doctor.
3. Any dental treatment that comprises cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, orthognathic surgery, jaw alignment or treatment for the temporomandibular joint, or upper and lower jaw bone surgery and surgery related to the temporomandibular unless necessitated by an acute traumatic injury requiring hospitalization.
4. Medical expenses where in-patient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioner round the clock. This exclusion is, however, not applicable for any daycare treatment taken for the accidental bodily injury in a daycare center/ hospital.
5. Medical expenses 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.
6. Cosmetic or aesthetic treatment of any description, treatment or surgery of the change of the life/gender.
7. Any plastic surgery unless necessary for the treatment of cancer, burn, or accidental bodily injury.
8. The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and all other external appliances and/or devices whether for diagnosis or treatment, except for intrinsic fixtures used for orthopedic treatments such as plates and K-wires.
9. Medical expenses related to any hospitalization primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations, vaccination or inoculation unless forming a part of post-bite treatment or if medically necessary and forming a part of treatment recommended by the treating doctor.
10. Ailment requiring treatment due to use or abuse of any substance, drugs or alcohols and treatment for de-addiction.
11. External medical equipment of any kind used at home as post hospitalization care, including the cost of instruments used in the treatment of Sleep Apnoea Syndrome, Continuous Peritoneal Ambulatory Dialysis and oxygen concentrator for a bronchial asthmatic condition.
12. Any treatment received outside India is not covered.
13. All non medical treatment under annexure-iii is not covered.
14. Treatment for any mental illness
15. Experimental or Unproven Treatment.
16.Any fertility, sub-fertility, infertility, sterility, erectile dysfunction, impotence, assisted conception operation or sterilisation procedure.
17.Expenses of vitamins, tonics, nutritional supplements unless forming part of the treatment for injury or disease as certified by the attending doctor.
18.Experimental or unproven treatment.
19.Weight management services and treatment related to weight reduction programmes including treatment of obesity and treatment for direct or indirect complications of obesity.
20.Treatment for any mental illness or psychiatric illness.
21.All non-medical items as per Annexure-II provided in the policy wordings.
22. Any Treatment received outside India is not covered
Post-Hospitalisation
The Medical Expenses incurred during the 60 days immediately after You were discharged post Hospitalisation\\\\\\\\nprovided that such costs are incurred in respect of the same illness/injury for which the earlier Hospitalisation was\\\\\\\\nrequired, and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment.
Pre-Hospitalisation
The Medical Expenses incurred during the 30 days immediately before you were Hospitalised, provided that: Such\\\\\\\\nMedical Expenses were incurred for the same illness/injury for which subsequent Hospitalisation was required,\\\\\\\\nand We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment.
Road Ambulance
We will pay the reasonable cost to a maximum of Rs. 1000/- per Hospitalisation incurred on an ambulance offered\\\\\\\\nby a healthcare or ambulance service provider for transferring You to the nearest Hospital with adequate\\\\\\\\nemergency facilities for the provision of health services following an Emergency.
Ayurvedic / Homeopathic Hospitalisation Expenses
If You are Hospitalised for not less than 24 hrs, in an Ayurvedic / Homeopathic Hospital which is a government\\\\\\\\nhospital or in any institute recognized by government and/or accredited by Quality Council of India/National\\\\\\\\nAccreditation Board on Health and/or Teaching hospitals of AYUSH colleges recognized by Central Council of\\\\\\\\nIndian Medicine (CCIM) and Central Council of Homeopathy (CCH) and/or AYUSH Hospitals on the advice of a\\\\\\\\nDoctor because of Illness or Accidental Bodily Injury sustained or c
Network Hospital Covered
Cashless facility offered through network hospitals of Bajaj Allianz only.Cashless facility at 5500+ Network hospitals
Family Floater Option
Pre-existing Diseases waiting period
a. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be\\nexcluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health\\nEnsure Policy with us.\\nb. In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase.\\nc. If the Insured is continuously covered without any break as defined under the portability norms of the extant\\nIRDAI (Health Insurance) Regulatio
Bonus on No Claim
5% Cumulative bonus for each claim free year
Co-Payment
Policyholders paying Zone A premium rates can avail treatment allover India without any co-payment.\\nBut, those, who pay zone B premium rates and avail treatment in Zone A city will have to pay 20% co-payment on\\nadmissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.â€\\nPolicyholder residing in Zone B can choose to pay premium for Zone A and avail treatment all over India without\\nany co-payment.\\n
Maternity
a) Medical Treatment Expenses traceable to childbirth (including complicated deliveries and caesarean\\nsections incurred during hospitalization) except ectopic pregnancy.\\nb) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy\\nduring the policy period.\\n
