Bajaj Allianz Health Insurance

Health Guard Individual Plan

• This policy offers basic coverage in range of INR 1,00,000 and INR 10,00,000 for individuals between age 3 months and 65 years.
• Pre and post hospitalization expenses, No-claim bonus, cashless benefit,hospital expense cover, ambulance cover, etc., are provided in the plan.

Health Ensure

• This policy offers coverage in range of INR 50,000 and INR 1,00,000 for individuals of between age 18 years and 65 years and dependent child between age 3 months and 25 years.
• The premium rate in this plan is different in different geographical areas (zones).
• Sub-limits are applicable in all the case of hospitalizations (e.g. room rent limit, ICU rent limit, limited ambulance charges, etc.).
• Pre and post hospitalization expenses, No-claim bonus, delivery and new born coverage, cashless facility, etc., are provided in the plan.

Health Care Supreme

• This health insurance plan offers coverage in range of INR 5,00,000 and INR 50,00,000 for individuals of any age above 3 months.
• Along with basic coverage the policy has pre and post hospitalization expenses, No-claim bonus, maternity coverage, out-patient benefit, cashless benefit, etc. the policy also has restore benefits.
• There are three variations of this plan available each of which has different coverage range.
  • Vital- Coverage range INR 5,00,000 to INR 10,00,000.
  • Smart- Coverage range INR 15,00,000 to INR 30,00,000.
  • Ultimo- Coverage range INR 35,00,000 to INR 50,00,000.
  • Ancillary treatment cover (e.g. Daily allowance), personal accident cover, critical illness cover, can be covered under this policy with additional premium rates.

Extra Care

• This is a top-up plan with deductible (amount to be paid by the policy holder before claiming insurance) and which offers coverage for higher hospital expense at minimum premium rates for anyone between age 18 years and 65 years and dependent child between age 3 months and 25 years.
• The coverage amount for this plan is in the range of INR 10,00,000 and INR 15,00,000 and the deductible amount is in the range of INR 3,00,000 and INR 5,00,000.

Premium Personal Guard

• This policy offers coverage in case of accidents in range of INR 10,00,000 and INR 25,00,000 for risk class I individuals (Administrative/ managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations) between age 18 years and 65 years and dependent children between age 5 years to 21 years.
• The plan covers permanent total disability, permanent partial disability, temporary total disability & death.
• Education allowance is also offered to the policy holder's child after his/her death.

Personal Accident/ Personal Guard

• This policy offers accidental coverage based on the occupational risk class.
  • Risk class I - Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations.
  • Risk class II - Manual labour, garage mechanic, machine operator paid driver (car / truck / heavy vehicles) cash carrying employee, builder, contractor, veterinary doctor and similar occupations.
  • Risk class III - Workers in underground mines, electric installations with high tension supply, jockey, circus performers, big game hunters, mountaineers, professional river rafters and similar occupations.

· The coverage offered is further classified as:

• Basic- Covers only death, Children's education, medical expenses and does not cover permanent total or partial disability and temporary total disability.
• Wider- From the covers mentioned in basic coverage wider additionally covers permanent total or partial disability.
• Comprehensive- It covers all the conditions mentioned in basic.

Sankat Mochan

• This policy offers accidental coverage to individuals.
• There 16 plans under this plan which offers different type of coverage to both risk group I and risk group II mentioned above. The coverage can be distinguished as:
  • Basic- The basic cover would cover only death.
  • Wider- Wider cover would cover death, permanent total and partial disability.
  • Comprehensive- In addition to wider coverage comprehensive plan covers temporary total disability.

Hospital Cash Daily Allowance

• This policy offers one or two months coverage.
• Per day cover offered by the policy is in range of INR 500 and INR 2500 for individuals or their family members between age 18 years and 65 years, and dependent child between age 3 months and 21 years.

Critical Illness

• This policy offers coverage in range of INR 1,00,000 and INR 10,00,000 for individuals between age 18 years and 65 years dependent child between age 3 months and 21 years.
• The plan offers lump sum amount to the policy holder after being diagnosed with critical illness.

Surgical Protection Plan

• This plan offers coverage in the range of INR 1,00,000 and INR 10,00,000.
• It is specifically designed to provide coverage for surgeries with variation in waiting period. The waiting period option is as follows:
  • 3 months- It will provide benefits like surgical benefit, hospital daily cash and critical illness cover.
  • 2 years or 4 years- Both of these would provide surgical benefit and hospital daily cash only.
  • The amount offered by the insurer would be after taking into consideration geographical location and the fixed amount which is required for the surgery.
  • The plan is grouped such that it covers some specific group of surgeries. It provides a fixed amount in case of the surgeries mentioned.
  • Minor surgery, day care, major surgery, sub-major surgery and supra major surgery are categories in which the surgeries are divided.
  • Other benefits like hospital daily cash allowance and critical illness cover are optional in this plan.

Health Care Supreme

• This is a family floater plan which covers health costs of the entire family in the range INR 5,00,000 and INR 50,00,000.
• A maximum of 2 adults and 3 children in the family of any age above 3 months can be covered under this policy.
• Along with basic coverage the policy has pre and post hospitalization expenses, No-claim bonus, maternity coverage, out-patient benefit, cashless benefit, etc. the policy also has restore benefits.
• There are three variations of this plan available each of which has different coverage range.
  • Vital- Coverage range INR 5,00,000 to INR 10,00,000.
  • Smart- Coverage range INR 15,00,000 to INR 30,00,000.
  • Ultimo- Coverage range INR 35,00,000 to INR 50,00,000.
  • Ancillary treatment cover (e.g. Daily allowance), personal accident cover, critical illness cover, can be covered under this policy with additional premium rates.

Premium Personal Guard

• This is a family floater plan which covers the entire family against any accident. Coverage offered is in the range of INR 10,00,000 and INR 25,00,000 for family members in risk class I (Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations).
• A maximum of 2 adults (proposer and spouse) and 4 children in the family between age 18 years and 65 years and dependent children between age 5 years to 21 years. Additional member A and additional member B would include spouse and children respectively.
• The plan covers permanent total disability, permanent partial disability, temporary total disability & death. Education allowance is also offered to the policy holder's child after his/her death.

Surgical Protection Plan

• This is plan offers coverage in the range of INR 1,00,000 and INR 10,00,000. Same policy can be used to cover proposer, spouse, dependent children and dependent parents.
• It is specifically designed to provide coverage for surgeries with variation in waiting period. The waiting period option is as follows:
  • 3 months- It will provide benefits like surgical benefit, hospital daily cash and critical illness cover.
  • 2 years or 4 years- Both of these would provide surgical benefit and hospital daily cash only.
  • The amount offered by the insurer would be after taking into consideration geographical location and the fixed amount which is required for the surgery.
  • The plan is grouped such that it covers some specific group of surgeries. It provides a fixed amount in case of the surgeries mentioned.
  • Minor surgery, day care, major surgery, sub-major surgery and supra major surgery are categories in which the surgeries are divided.
  • Other benefits like hospital daily cash allowance and critical illness cover are optional in this plan.

Sankat Mochan- for spouse and children

• This plan will offer accidental coverage.
• For spouse only 5 plans and for children only 3 plans can be availed. Under which offer different type of coverage is offered to both risk group I and risk group II mentioned above. The distinguished coverage type are:
  • Basic- Covers only death.
  • Wider- Covers death, permanent total and partial disability.
  • Comprehensive- In addition to wider coverage this plan covers temporary total disability.
  • Accidental Hospitalization- Provides reimbursement of actual expenses.
• Note: For children only 3 plans of sankat mochan can be availed.
  
  

Tax Gain Plan

• This is a family floater plan which covers health costs of the all family members between age 18 years to 55 years for plan A, plan B and plan C and 56 years to 75 years for plan D.
• The plans are divided as per the tax gain.
  • Plan A – Tax gain INR 4999.
  • Plan B – Tax gain INR 9999.
  • Plan C – Tax gain INR 14999.
  • Plan D – Tax gain INR 19999.
• Co-pay of 10 % applicable when treatment is under non networked hospitals.
  
  

Health Guard Family Floater

• This is a basic family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 10,00,000.
• A maximum of 2 adults and 4 children in the family of any age above 3 months can be covered under this policy.
• The plan offers hospital expense cover, ambulance cover, pre and post hospitalization expenses, No-claim bonus, etc., are provided in the plan. Along with these, the policy distinctly offers cashless health insurance facility (the hospitalization bill is directly settled with the health insurer).

Critical illness for women

• This policy is especially for women. Coverage offered is in the range of INR 50,000 and INR 2,00,000.
• The plan provides lump sum amount in case of critical illness coverage and also covers congenital disability benefits.
• Additional benefit of this plan includes children education bonus (fund for children after claim for critical illness) and loss of job compensation (compensation in case critical illness resulting in loss of job).

Silver Health

• This policy offers coverage to senior individuals in range of INR 50,000 and INR 5,00,000 for individuals between age 46 years and 70 years.
• The plan offers hospital expense cover, ambulance cover; pre-existing illness cover, etc. are provided in the plan. Along with these, the policy also has cashless facility.
• Copay of 20 % is applicable before paying any plan.