Health Insurance 538 views July 2, 2021

Bajaj Allianz Health Ensure Plan

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.

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Have a look at the highlights of the Bajaj Allianz Health Ensure Plan mentioned below.

  1. Flexible sum insured options
  2. No pre-policy medical tests up to 50 years of age
  3. In-patient Hospitalization Cover
  4. Pre and Post-hospitalization Cover
  5. Day Care Procedures Cover
  6. Organ Donor Expenses Cover
  7. 5% Cumulative Bonus for each Claim-free year
  8. Coverage on an individual sum insured basis
  9. Ayurvedic/ Homeopathic Hospitalisation Expenses Cover
  10. A 15-day free look period
  11. Pre-existing diseases cover after 24 months from your first policy
  12. Emergency Road Ambulance Cover
  13. Income Tax Benefits under Section 80D of the Income Tax Act, 1961

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!

Features and Benefits of Bajaj Allianz Health Ensure Plan in Detail

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.

Flexible Sum Insured Options

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.

What is the Policy and Premium Payment Period?

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.

In-patient Hospitalization Treatment Cover

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.

  1. Room Rent, Boarding and Nursing up to 1% of the Sum Insured per day or up to INR 5,000 (Whichever is lower)
  2. ICU Charges up to 2% of the Sum Insured per day or up to INR 10,000 (Whichever is lower)
  3. Fees of Surgeon, Anesthetist, Medical Practitioner, Consultants and Specialists Doctors
  4. Operation Theatre Charges, Anesthesia, Blood, Oxygen, surgical appliances, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Cost of Artificial Limbs, Prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, etc.

Pre and Post-Hospitalization Expenses Cover

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.

Emergency Road Ambulance Charges

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.

Day Care Procedures

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.

Organ Donor Expenses

The policy will also cover the expenses incurred on organ donor’s treatment for the harvesting of the donated organ.

Preventive Health Checkup

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.

Ayurvedic/ Homeopathic Hospitalisation Expenses Cover

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.

  1. Room Rent and Boarding up to 1% of Sum Insured per day or up to INR 5,000 (Whichever is lower)
  2. Nursing care
  3. Consultation fees
  4. Medicines, drugs and consumables
  5. Ayurvedic and Homeopathic treatment procedures

What is the Minimum Premium of the Bajaj Allianz Health Ensure Plan?

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.

Bajaj Allianz Health Ensure Plan Eligibility Criteria

You will need to meet the following conditions before choosing Bajaj Allianz Health Ensure Plan.

  1. Minimum and Maximum Entry age for proposer/ spouse/ dependent parents/ Sister/ Brother/Parent In law/Grandparents – 18 years and Lifetime, respectively
  2. Minimum and Maximum Entry age for Dependent Child/Grandchild – 3 months and 30 years, respectively
  3. For dependent children, the policy can be renewed for up to 35 years.
  4. Non-resident Indians can also choose this policy on paying the premium in Indian Currency and by an Indian Account only.
  5. Sum insured for the proposer cannot be less than any of his or her family members.

What is Not Covered Under the Bajaj Allianz Health Ensure Plan?

You will not get any coverage in the following situations.

  1. Any treatment arising from or traceable to pregnancy, childbirth including cesarean section
  2. Medical Expenses related to any hospitalization primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
  3. Circumcision (Unless required for the treatment of Illness or Accidental bodily injury)
  4. Cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender
  5. Any kind of plastic surgery (Unless necessary for the treatment of cancer, burns or accidental Bodily Injury)
  6. Convalescence, general debility, rest cure, etc.
  7. Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)
  8. Experimental or unproven treatment
  9. Weight management services and treatment related to weight reduction programs including treatment of obesity and treatment for arising direct or indirect complications of Obesity
  10. Any mental illness or psychiatric illness treatment
  11. Any treatment received outside India

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