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Health Insurance 538 views July 2, 2021
Bajaj Allianz Health Ensure Plan provides financial protection to individuals and their families in case of hospitalization due to illness or injury. This health insurance plan from Bajaj Allianz ensures that you don’t need to worry about the treatment costs in a medical emergency. Under the individual option of the policy, you can provide coverage to yourself, spouse, dependent children, grandchildren, parents, sister, brother, parents-in-law or grandparents.
Have a look at the highlights of the Bajaj Allianz Health Ensure Plan mentioned below.
Here, we will discuss these features in detail so that you can understand the plan better. You can also know about the eligibility criteria of the plan. Let’s start!
Table of Contents
Health Ensure Plan from Bajaj Allianz provides comprehensive healthcare benefits to yourself and your family. Let’s understand its features and benefits in detail mentioned below.
On choosing the Bajaj Allianz Health Ensure Plan, you will get multiple sum insured options – INR 3 lakh, 4 lakh and 5 lakh. You can choose from them according to your needs.
You can choose this policy for one year. You will need to pay an annual premium for a 1-year policy at the time of risk inception.
If an insured person needs to get hospitalized due to an illness or accidental bodily injury during the policy period, the policy will cover the following expenses.
Bajaj Allianz Health Ensure Plan covers the expenses incurred 30 days before and 60 days after hospitalization. However, such expenses should be incurred for the same illness or injury for which hospitalization was required, and Bajaj Allianz has accepted the in-patient hospitalization claim.
If an insured member needs to be transferred to the nearest hospital with a proper emergency facility via an ambulance, the plan will pay up to INR 1,000 per hospitalization. You can also get reimbursement for the expenses incurred on an ambulance for transferring you from one hospital to another with better medical facilities.
If you are undergoing a day care procedure or surgery as an in-patient in a hospital or day care center (but not in an outpatient department), you will get coverage against such expenses.
The policy will also cover the expenses incurred on organ donor’s treatment for the harvesting of the donated organ.
At the end of every continuous 3 years of the policy, Bajaj Allianz will provide a free health checkup. Under this facility, you will get the reimbursement of up to 1% of the sum insured or INR 1,500 for each policy member during 3 years. The proposer and spouse under the sum insured policies can enjoy this benefit.
If you are undergoing treatment in an Ayurvedic/Homeopathic Hospital where you are hospitalized for more than 24 hours, you will get coverage against the following expenses.
Under the Bajaj Allianz Health Ensure Plan, the minimum premium depends on the sum insured, age of the policyholder and the zone in which the policyholder stays.
There are two zones for the premium payment. Zone A has Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat. The rest of India apart from Zone A cities comes under Zone B.
The minimum premium stands at INR 3,157 and INR 2,526 for Zone A and Zone B, respectively.
You will need to meet the following conditions before choosing Bajaj Allianz Health Ensure Plan.
You will not get any coverage in the following situations.