2X OPD Benefits
Avail wellness benefits twice the amount of premium paid
Inbuilt Maternity Care
Coverage for upto 2 deliveries or termination with complete post-op care.
Mediclaim Insurance upto 75 Lacs
Cover for expenses incurred 60 days pre-hospitalization & 90 days post-hospitalization for you & your family.
Lab & Radiology Benefits
Avail any lab or radiology tests at 3400+ lab partners
Free Preventive Health Check-up
Avail free annual health package with 45+ tests worth Rs 6,000 for 2 Adults
Unlimited Sum Insured Reinstatement
Easily reinstate your sum insured amount by 100% any number of times, even if you have exhausted the amount before the policy expires.
50% Cumulative Bonus
For every claim-free year, the no claim bonus will increase upto 100%.
Tele-consultations with Top Doctors
Consult doctors online in 17+ regional languages via audio, video or chat
|Insurance upto||₹75 Lacs||₹75 Lacs|
are diagnosed with critical illness in India
Cancer amongst Indians is projected to increase to 29.8 million in 2025. With treatment, doctor visits, tests etc. the cost of treatment can go upto 2 Lacs a month.
There has been a 34% rise in the no. of deaths due to heart-related diseases. The cost of treatment ranges from ₹3 lacs for small treatment to 20 lacs for a transplant.
1 in 10 people suffer from Kidney ailments. Cost of a kidney transplant can set you back by 7 lacs while regular dialysis costs between ₹18,000 to ₹20,000 for a session.
Each year, approximately 10 Lakh people are diagnosed with Liver cirrhosis due to an uptake in alcohol consumption and obesity disorders, costing about ₹20-30 Lacs.
Alzheimer’s is now very prevalent among the ageing population in India. Cost of treatment and care for Alzheimer’s can go upto ₹40,000 a month.
This is the average spend on critical illness that a middle class family pays out of their pocket.
You and your family can SAVE so much with My Health Care Plan! This plan covers the cost of surgery, daycare procedures, nurse, doctor fees, lab tests, life-support equipment, organ transplant, and more. In short, this plan keeps you safe and ensures that you always have a fallback plan when the going gets tough!
- ₹2,47,000 avg. unexpected spend
With Bajaj Allianz Health Insurance
+ ₹11,13,772 avg. savings on health care
Your happiness lies in your family's well-being! So, when it's about your family's health, you want the best for them. You can secure their health and wellness with a family health insurance plan. A family health insurance plan is a cost-effective health plan for your complete family. It offers medical coverage and health benefits at a single premium for the entire family.
With a family health insurance policy, you can rest easy that your family's health needs like regular healthcare expenses of doctor consultations, lab tests, yearly preventive health check-ups, and hospitalization expenses are taken care of.
Make a list of all family health insurance plans offered by different companies. Compare the inclusions and exclusions, premium, waiting period, health cover, etc.
Using a network hospital or a network partner can reduce your costs. So, the more extensive the network, the better coverage for you.
Inclusions in your health insurance plan are vital as it is a list of things it will cover you for. Ensure it includes types of treatments, medical equipment, surgeries, and more.
This is very important for hospitalization. You need to choose a plan with an adequate rent limit to cover ICU beds if the need arises.
The waiting period is crucial if you have pre-existing illnesses. Generally, the waiting period is only 30 days.
Like the inclusions, the exclusions tell you what is excluded or will not be covered in your health insurance plan.
The premium you pay for your family health insurance plan should be easy on your pocket and fit in your budget.
My Health Care Plan is a truly modular plan offers you the flexibility to curate an individual
bouquet of features that you feel is best suited for you and your family.
For 3 Lac to 10 Lac SI – Default room category is Single Pvt AC Room, For above 10 Lacs - Actuals
Default Pre- hospitalization is covered for 60 days & post is covered for 90 days under plan.
Maternity benefit is payable under maternity package expenses as per below limits:
• For SI 3 and 4 Lac – Not covered
• For SI 5 Lac to 10 Lac – INR 50,000
• For SI 15 Lac to 20 Lac – INR 75,000
• For SI above 20 Lacs – INR 1,00,000
Baby Care Cover is not linked to Maternity Package Expense. Maternity is not covered for 3 and 4 lacs sum insured, however Baby Care cover of 1 lakh is available for base Sum Insured 3 and 4 lacs.
Yes, a person can have more than one health insurance policy. However, at the time of claim, you cannot claim the same expense amount from all insurers. If in case, one cover is not sufficient, the other health insurance policy can be utilized to cover expenses.
A health insurance company has tie-ups with a large number of hospitals. When you buy a health insurance policy, they will give you a list of hospitals that fall in their network, i.e., these hospitals have agreed to providing the insured, that is you, the benefit of cashless hospitalization. Plus, within the network hospitals, all bills will be settled directly by the health insurance company.
According to the IRDAI, any individual upto the age of 65 years can get health insurance. Also, there are comprehensive senior citizen health insurance plans available for older individuals between the age group of 65 to 80 years. On the other hand, there is no set lower age limit to buy a health insurance policy. However, it is a must for every individual to safeguard themselves with a health insurance policy.
A free look period is defined as the required time period during which a health insurance policyholder can terminate the policy without any penalties or fines or surrender charges. This free look period can last upto 10 days. During this time, it is upto you, the policyholder to decide whether or not they want to keep the insurance policy. If dissatisfied, they can cancel the policy and get a complete refund.
The health insurance policy offered by the employer will have a standardized sum set aside for each of the employees. While this is not bad, it may not be enough. Safeguarding yourself with a health insurance policy is the best way forward as it will take into account your age, your dependents, your overall health factors and offer you a much larger sum insured.
A pre-existing illness is any health issue that the person or proposer already suffers from at the time of purchasing the health insurance policy. These pre-existing diseases or conditions include health problems such as thyroid, asthma, diabetes, blood pressure, etc.