Health Insurance 140 views February 22, 2021

Bajaj Allianz Star Package Health plan can be a perfect solution for all your worries and uncertainties. Whether it’s some medical emergency, death of your loved ones, accidental injuries, baggage protection or anything else, this comprehensive plan from Bajaj Allianz can provide you protection in 8 different sections. An individual can choose a minimum of 3 under this policy. These sections cover a wider range of risks. We are providing the different sections under this policy so that you can get a better idea. Do check!

Health Insurance

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  1. Hospital Cash Daily Allowance
  2. Health Guard
  3. Critical Illness Coverage
  4. Personal Accident
  5. Education Grant
  6. Household Contents
  7. Traveling Baggage
  8. Public Liability

Want to know about these sections more? On this page, we will discuss them in detail along with other aspects of the Bajaj Allianz Star Package Health Plan, such as the policy term, eligibility criteria, etc. Do read to know more!

What are the Different Sections of the Bajaj Allianz Star Package Health Plan?

As we mentioned earlier, you can enjoy different sections under the Bajaj Allianz Star Package Health Plan to get protection from different uncertainties. Now, we will be explaining each of them in detail, starting with the hospital daily cash allowance. Do check!

Hospital Daily Cash Allowance

With this section from the Bajaj Allianz Star Package Health Plan, individuals can get a daily benefit amount during their stay in a hospital. This amount can help you take care of different expenses during your hospitalization period. The good thing about this section is that the daily benefit amount will double in the case of ICU admissions with a maximum of 7 days for each hospitalization.

You can enjoy this benefit for a maximum of 30 days per policy period. You can also include your spouse and children under the Floater option where you will need to pay an additional premium of 50% and 25% for your spouse and each child, respectively.

Health Guard

Health Guard is the second section that takes care of policyholders in case of any medical emergency. Under this section, individuals can choose from 3 plans – Silver, Gold and Platinum. You can check the sum insured options for these plans in the below table.

Plan OptionSum Insured (In INR)
Silver1.5 lakh or 2 lakh
Gold3 lakh - 50 lakh
Platinum5 lakh - 1 crore

With the health guard section of the Bajaj Allianz Star Package Health Plan, you can enjoy the following coverages. Please check!

  1. In-patient hospitalization treatment
  2. 60 days pre-and 90 days post-hospitalization expenses
  3. Road ambulance coverage up to INR 20,000 per policy year
  4. Daycare procedures
  5. Organ donor expenses coverage
  6. Convalescence benefits up to INR 7,500 per policy year
  7. Daily cash benefit for accompanying an insured child up to INR 500 per day for a maximum of 10 days
  8. Sum insured reinstatement benefit
  9. Preventive health checkup up to INR 5,000 for each insured person during 2 years
  10. Bariatric surgery cover up to INR 5 lakh
  11. Maternity expenses & Newborn baby cover for Gold and Platinum plans only

Critical Illness Benefit

Treatment of critical illness can cost you a lot. But with the Bajaj Allianz Star Package Health Plan, you don’t need to worry as this plan provides a critical illness benefit section. Under this section, individuals will get a lump sum benefit amount after the 30 days of the diagnosis of the critical illness. With this amount, individuals can easily manage their expenses on disease treatment, lifestyle changes, donor expenses, etc. Individuals will need to pay an additional premium of 50% and 25% for their spouse and each child, respectively.

You can check the list of critical illnesses for which you can enjoy the coverage amount below.

  1. First heart attack of specified severity
  2. Open chest CABG
  3. Major organ transplant
  4. Stroke resulting in Permanent Symptoms
  5. Cancer of Specified Severity
  6. Kidney failure requiring regular dialysis
  7. Permanent paralysis of limbs
  8. Primary pulmonary arterial hypertension
  9. Neurosurgery
  10. Joint replacement
  11. Multiple sclerosis with persisting symptoms surgery of Aorta

Personal Accident Section

An individual can get the following coverage on choosing the personal accident section under the Bajaj Allianz Star Package Health Plan. Please check!

  1. 100% of the sum assured in case of death due to an accident
  2. 125% of the sum assured in case of permanent total disability
  3. 1% of the sum insured per week up to 100 weeks for temporary total disability
  4. Up to 40% of the admissible claim reimbursement in case of bodily injury due to an accident

Education Grant

This section can be chosen by individuals if they want to protect their children’s future in case of accidental death or permanent total disability. In such a condition, the nominee will receive the sum insured towards continuing the education of the deceased’s child or children.

Household Contents

Under this section from Bajaj Allianz Star Package Health Plan, individuals can get protection against any kind of first loss of his or her household contents. All contents will get covered on the first loss basis under the standard fire policy, earthquake, and burglary policy at 25% of the overall value at risk.

Traveling Baggage

This policy from Bajaj Allianz also comes in handy when you lose your baggage anywhere in the world while travelling. By choosing this section, you can enjoy your journey without any worry as you will receive compensation in case you face any loss regarding your baggage during your tour.

Public Liability

It also provides coverage for any expenses on third-party bodily injuries or property damage because of your actions. Choosing this section will help you stay protected from any legal liabilities.

What is the Policy Period for Bajaj Allianz Star Package Health Plan?

Individuals can choose from three options when it comes to the policy period – 1 year, 2 years or 3 years.

Bajaj Allianz Star Package Health Plan Eligibility Criteria

Have a look at some important eligibility conditions related to the package health plan from Bajaj Allianz below.

  1. The entry age for proposers or spouses can range from 18 to 65 years.
  2. Children with an age of 3 months to 30 years can be included as dependents.
  3. An individual can enjoy lifetime renewability.

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