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Bajaj Allianz Health Ensure Plan

What is the Plan all About?

Health ensure secure you and your family in this era of growing medical costs. Due to gigantic hospital bills, the entire financial stability goes for a toss. This plan covers hospitalization benefits due to serious illness or accident.

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Key Features

  • No Medical check up to 55 years in case of no adverse health condition
  • Quick Claim Settlement Process
  • Cashless treatment at 3300 plus network hospitals
  • Emergency Ambulance service charges covered
  • 5% Family Discount

Policy Benefits

  • Inpatient Hospitalization expenses, subject to the policy contract are covered like room rent, nursing expenses,medical practitioner cost,etc. for a minimum stay of 24 hours.
  • An amount equal to 2% of admissible hospitalization expenses towards pre & post hospitalization is covered.
  • Emergency Ambulance service charges are covered upto a specified limit.

Value Added Benefits

  • Free medical health check up after every 4 claim free years.
  • Income tax rebate on premium under section 80 D of Income Tax Act.
  • Lifetime Renewability available

Sub Limits

  • Room rent capping isupto 1% of the sum insured.
  • Emergency Ambulance service charges are covered upto Rs 1,000.
  • ICU Benefits paid upto 2 % of the sum insured.
  • Surgeon, anesthetist, medical practitioner, etc. fees covered upto 30% of sum insured per illness.

Waiting Period Clause

  • Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
  • Specific Waiting Period: Some treatments as specified in the policy contract are covered after 2 years of continuous policy years as specified in the policy contract.
  • Pre existing Disease Waiting Period: Any pre-existing ailment is covered after 2 years of continuous policy coverage.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Child:3 Months Adult: 65 Years, Child: 25 Years
Sum Assured 50,000 1 Lac
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Nil -

Exclusions

  • Non Allopathic Treatment
  • Convalescence Benefit
  • OPD Treatment
  • Expenses attributable to self inflicted injury
  • Medical treatment expenses for treating AIDS
  • Childbirth related expenses
  • Cost of dental treatment, etc.