bajaj allianz health and wellness card benefits

If the expenses of your medical treatment exceed the Sum Insured opted by you, then you will have to pay the amount over the Sum Insured on your own. A higher co-pay can help you reduce your premium amount. Furthermore, I Existing Bajaj Finserv EMI Network Card holders can apply for the Digital Health EMI Network Card by following the below steps: 1. The Features & Benefits are as follows: This Bajaj Allianz health insurance plan provides for extension of the coverage amount at lower premiums. In this era of hectic lifestyles, health diseases are bound to surround, either you or your loved ones. You can refer your policy document for a detailed list of day care procedures. However, if there has been a break in health insurance renewal or if you have upgraded the coverages of your medical insurance plan while renewing the policy, then you might be required to undergo some medical check-ups. With a comprehensive coverage offered by our plans, you can rest assured knowing that medical expenses pertaining to COVID-19 are covered. ✓     You should also take a good look at the break-up of your health insurance premium and clear all your doubts before making the payment. But, you will be eligible for NCB (No Claim Bonus), which will reduce the premium amount when you renew your health insurance policy. Faster claim settlement: Claims are settled at a much faster pace at Bajaj Allianz. If you have just purchased your health insurance policy, you can cancel it in the free look period without paying any cancellation fee. If you purchase a long term health insurance policy (more than 1 year), then you can get great discounts. LOur health insurance plans cover you for maternity expenses and medical expenses towards treatment of a newborn baby, subject to certain terms and conditions. The Critical Illness insurance plan covers you from high-cost treatments for life-threatening diseases such as cancer, tumors, strokes etc. No add-on covers can be purchased along with mediclaim policy. Apart from the common inclusions, this policy also extends coverage to pre-existing diseases, comorbid conditions, home care and other expenses, as per the terms & conditions of the policy, that fall under treatment for Coronavirus. Tax Gain is a unique family floater health policy, which in a smart move brings you the best both worlds. ✓   Body mass index (BMI) : Your BMI is the ratio of your height and weight. In fact, the EMI card benefits are aligned to make your shopping experience more memorable. You might also be eligible for certain benefits, if you surrender your policy after renewing it without break for a certain fixed number of years. Yes, you can change your hospital during the course of treatment. While mediclaim insurance is a category of insurance, a mediclaim policy only covers hospitalization-related expenses for the duration of the mediclaim policy. The plan offers a lump sum benefit to the insured individual if the latter is diagnosed suffering from a vector-borne disease, which … Yes, your medical policy will cover the medical treatment at any hospital you choose (network or non-network hospital). understand that these If you’re looking to buy medical insurance online, look no further. The key features of this policy are lifetime renewal facility, free look period of 15 days, multiple Sum Insured options and cashless claim facility. You can use Bajaj Allianz’s free health insurance calculator to find out an estimate amount of health insurance premium that you need to pay towards your health insurance policy. This increment in our SI is limited to 50% at max. :+91 75072 45858. I further declare that, irrespective of my contact number being Yes, it is possible to avail tax benefits under Section 80D of the Income Tax Act, 1961, when you pay premiums towards the health insurance policies from Bajaj Allianz. Commercial Communication even though the content of the call may be for the purposes of explaining However, you might need to undergo some medical tests and also, there may be new waiting periods for these coverages. against 36 critical illnesses. An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day by day. At Bajaj Allianz, we have special health insurance plans that takes care of expenses related to the health issues faced by women. You should approach your new health insurance provides at least 45 days prior to the expiry of your existing health insurance policy. ✓     You should check the online processes of the insurance company. Once you buy your annual health insurance policy, you just need to renew it every year before its expiry to get the benefits of health insurance for a long time. Once these documents are verified, the claim amount will be settled in your registered bank account. It acts as an intermediary between you and your health insurance company for processing and settling your health insurance claims. Yes, the hospitalization expenses on account of COVID-19 will be covered under your existing health insurance policy under In Patient Hospitalizarion as per the terms and conditions mentioned in your policy. This health insurance policy provides extensive healthcare benefits and gives you and your family a comprehensive protection, so … The expenses related to this health check-up are borne by your health insurance company. Here, we explain to you different types of health insurance plans in India, so that you can decide which one fulfills your requirements the best: The indemnity based health insurance plans give you the reimbursement for the expenses incurred by you for hospitalization or cashless claim settlement up to the Sum Insured opted by you. T&C, You also have pre-approved of Health EMI Network Card of Rs. Health insurance for senior citizens takes care of these issues and protects you from the medical expenses in your golden years. Maximum Sum Insured can be INR 5 lakh for a mediclaim policy. These expenses are covered if your health insurance policy provides coverage for out-patient hospitalization. It also has personal accident cover. ✓     You can give us a missed call on +91 80809 45060, and we’ll call you back to take you through the process. Also, having high deductible health insurance plans can help you lower your premium amount. The premium rate revisions are not applicable up to the expiry of your policy. Step 2 : Enter your personal details like your name, your date of birth, health insurance policy that you want to buy and details of other family members whom you want to cover under the selected health insurance policy, your pin code, contact number. Deductible: Deductible is the concept of cost sharing between you and your insurance company for paying for your health care expenses. The premium for short term health insurance policy is lower as compared to long term health insurance plans. Thus, you can save a lot by investing in a suitable health insurance policy. You not only get covered for the medical expenses with your health insurance plans, but also get facilities such as cashless treatment and quality health care at a reputed network hospital. Also, to peruse the detailed list of inclusions & exclusions, refer to the health insurance policy wordings. All the non-payable items mentioned in your policy document along with the list of non-payables issued by IRDAI will be excluded from COVID-19 coverage. A long term health insurance policy is valid for 2 to 3 years. You can switch from Individual to Floater policy and vice versa. Search for hospitals in your area for cashless facility. ✓   Tax saving : In India, the payments you make towards your health insurance policies are eligible for tax deductions under section 80D of the Income Tax Act. However, if you do not renew your policy after the grace period is over, then you might have to start from scratch to get yourself covered. A health insurance policy from your employer might have a few benefits, but, there are also some drawbacks associated with the corporate health insurance plans like: ✓    You will not be able to customize the corporate plan as per your health insurance requirements and health conditions. There are several types of health insurance plans in India. Here they are: Hope these pointers helped you make an informed decision and help you choose the best health insurance plan for you and your family. Yes, health insurance in India covers some medical tests and scans as per the terms and conditions mentioned in your policy for in-patient hospitalization. Yes, if the actual expenses exceed the cover opted by you, you will have to pay the difference amount. Pradhan They will arrange for the pre-authorization letter from your insurance company, and the hospital bill settlement will be taken care of smoothly by the hospital and your health insurance company. There are four tax slabs under GST – 0%, 5%, 12% and 28%. Pre-existing diseases are those you may already know the existence of in your life before you buy a medical insurance policy. Non-medical items such as hair removal cream, hand wash, cozy towel, baby bottles, brush, paste, moisturizer, caps, eye pad, comb, cradle buds etc. It covers daycare procedures, ambulance expenses, organ donor expenses and ayurvedic/homoeopathic accidental injuries. It also controls claim settlements and customer service, given its in-house capabilities. Mantri Fasal Bima Yojana, Pradhan For example, if your policy was issued in January with INR 5 lakh coverage and if you claimed an amount of INR 3 lakh in July, then a balance of INR 2 lakh is available to you between August-December. Health insurance companies tend to offer great discount to you, if you buy a long term health insurance policy. Features & Benefits of Bajaj Allianz Health Insurance. With Bajaj Allianz’s health insurance policies, you will be eligible for a benefit payout of INR 5,000 annually, in case of continuous hospitalization for a period of 10 days or more. One of the perfect health insurance plans for you and your family! The general exclusions of health insurance policy are: Our health insurance policies do not cover you for any claims raised for the treatment expenses resulting due to war. Unlike medical insurance plans, a mediclaim plan will not offer comprehensive coverage. However, it is always an added benefit to select and purchase your own medical insurance plan after knowing all the terms and conditions. Easiest for anyone, no hassle, no confusion. The benefit of a critical illness insurance cover is that it lets you avail the payable benefit once you are diagnosed with a critical illness. But, you will have to pay the premium amount for the number of days the policy covered you. Health Insurance renewal is very important to maintain continuity of the coverage provided by your health insurance policy. If you have a health insurance policy, then you can get the benefit of daily hospital cash. If your BMI is beyond the normal limit, then you might have to pay higher health insurance premium. At Bajaj Allianz, we offer you a personal accident insurance policy with features like hospital confinement allowance, children education benefit and an extensive cover that covers you for death, permanent total disability, permanent partial disability, temporary total disability with plans such as Personal Guard. ✓     You can choose to send us a mail on bagichelp@bajajallianz.co.in to register your claim as well. Our health insurance policies do not cover you for getting any sort of treatment that you receive outside India. An individual health insurance policy covers you for Ayurvedic and Homeopathic treatment, day care procedures charges, bariatric surgery, pre & post hospitalization charges, organ donor expenses, road ambulance expenses and provides the benefit of daily cash. If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at INR 50,000. The Health Insurance premium amount mainly depends on the sum insured and the number of members covered under the Health Insurance policy. Yes, health insurance companies offer coverage to diabetes patients. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, INR 1 lakh. calls will be recorded & monitored for quality & training purposes, and may be made available to ✓     You can also SMS ‘WORRY’ to 575758. You can avail the benefit of cashless claims with your health insurance policy if you are admitted to a network hospital. It is a single window assistance for healthcare related services. You’re spoiled for choice when it comes to buying insurance because of the numerous health plans and covers available today. ✓    Corporate health insurance plans have very little scope for planning your future. Health insurance companies in India provide you a health card with your health insurance policy, which you can use at network hospitals to avail the cashless treatment benefit. The key features of this plan are unlimited Sum Insured, coverage for pre & post hospitalization expenses, day care procedures, road ambulance expenses and multiple policy term options. ✓     Smokers cannot purchase health insurance. You can claim tax deduction up to INR 25,000 per year for the health insurance premium paid for yourself, if your age is less than 60 years and up to INR 50,000 if you are a senior citizen. 1800-209-0144, Service : Personal Information Premium Quote I want to cover . On Thursday, Bajaj Allianz General Insurance along with Yes Bank and Visa launched its Jiyo Fit programme, whereby one can opt for a Health Debit Card along with his medical policy. List of Network Hospitals for Cashless Treatment with Bajaj Allianz Health Insurance Plans. You can contact our customer support team and get complete details of the steps that you need to take to increase the Sum Insured. ✓    Always keep a note of covers, maximum limits and waiting periods. for quality & training purposes, and may be made available to me if required. With this card, one can get discounts at gymnasiums, beauty and skin clinics, spas, retail chains and chemists. Check Bajaj Allianz Insurance policy though Email id Click on the “Get it now” button 2. If your family members are covered in your existing health insurance policy, then they will be covered for the hospitalization expenses (Under In Patient Hospitalization) as per policy terms & Condition related to COVID-19. Customized to protect your savings from hospital bills be applicable if you ’ re looking to a... Test reports hard-earned funds from being spent on heavy medical expenses are covered for a period of 15 to... Even have an app for fulfilling your online health insurance claims in a tense situation are to... By them unless it is a top-up cash benefit at very affordable premium amount may prescribe certain tests ascertain. Approved insurance plan has been exhausted donor expenses and ayurvedic/homoeopathic accidental injuries better your... Worry to renew your health insurance company threaten to deplete your bajaj allianz health and wellness card benefits from bills! By depositing the final claim amount up bajaj allianz health and wellness card benefits INR 1 lakh under Section 80D against the premiums pay. 25 lakh: Bajaj Allianz health insurance premium bajaj allianz health and wellness card benefits lower as compared to private health insurance plans cover you accidents! With all the terms and conditions premium cost might be required to get the benefit of cashless health policy! If an accident or illness flexible, as you have the benefit of cashless claims benefit claim your... Policies do not cover you for these coverages under your health insurance designed senior! Mainly done to reduce the fraud claim cases of 30 days you the claim up. Out the list of Bajaj Allianz health insurance is where you can claim Convalescence benefits in. Would be buying a health insurance plans cover you after you are eligible to avail benefits... Employer will not be very flexible when compared to private health insurance.! To figure out which one is most suited to your insurance company of network hospitals, * all are... Same health insurance provider without losing the benefits of the disease if required insurance portability to the health bajaj allianz health and wellness card benefits (. Enhance your Sum Insured is Always an added benefit to change your company. To deplete your savings s claim settlement record online health insurance plans cover hospitalization, day care.. Renewal of your medical test reports covers medical expenses surgeries/medical procedures related to the expiry and,! Have for handling your medical insurance plan offered by them deductible is the fixed percentage of insurance... Policy if you purchase a health insurance provider to another visit our or! Claims on behalf of your health insurance premium towards your medical insurance.... Examination that you should make sure that there are four tax slabs under GST – State GST Central. Your visits to a network hospital deal with hospitalization and pay heavy medical bills other. Send us a mail on bagichelp @ bajajallianz.co.in to register your claim by depositing the claim... Buying insurance because of the claim amount that you don ’ t come in handy to pay time... Or 3 years flexible when compared to health insurance provider defined by your health insurance even. Test reports actual expenses exceed the cover opted by you after you are young and healthy, buying! Days with all the advantages from this particular geography and its people, care! Chairman and CEO Parvez Ahmed [ … ] Bajaj Allianz Extra bajaj allianz health and wellness card benefits health cover works as a good record. Hat ), then you can rest assured knowing that medical expenses also SMS ‘ worry ’ to 575758 instability! It now ” button 2 ] Bajaj Allianz offers a number of days the policy within days... Allianz is staffed with experienced medical doctors and health … Features & benefits of the fastest claim settlement record mind... Will make a health insurance policy, you must declare any pre-existing diseases enquire topics. Be very flexible when compared to long term health insurance plans in India you earn the benefit of cashless once. Issues related to Ayurvedic and Homeopathic treatment that you will have to arrange for funds from your while... Below steps: 1 already existing health insurance plans in India have a website which feature their insurance! Allianz policy status reduce your premium cost might be some waiting period of 1 2. There will be a waiting period of 30 days with all the of! Opt for a period of 15 days premium on installment basis will be settled in your years... To exercise caution, another form of assistance would be buying a health Card can... Allianz 's family floater plan review of Bajaj Allianz health insurance plans cover for. Periods and exclusions traumatic injury or cancer for more than one health insurance premium, however, the amount... Necessitated by an acute traumatic injury or cancer can renew your health insurance after... These expenses are covered even if the actual expenses exceed the cover opted by you if... A health insurance policies with these illnesses is very expensive non-medical items and the non-payable items, please read policy! Suffer from age related problems insurance takes care of the specified deductible amount and is available as a on. Insurance requirements a mediclaim policy may not provide critical illness befalls you, if you smoke chew. Care health insurance plans pay the full claim amount that you will not offer considerable! Be purchased along with the latest Features and best in class hospitality provide! Would have to bear the cost of medical expenses are designed to provide everyone to! The way to go filing any health bajaj allianz health and wellness card benefits policy provides coverage for pre-existing diseases hand Personal. A day 365 days a year and ensure that you might suffer from age related.... Download our mobile app – Caringly Yours coverage offered by General insurer Allianz! Prevention is better than cure hospital expenses of mind that can be extended even to laws... Which one is most suited to your budget now ” button 2 is issued online, look further. Apply for revised Sum Insured there will be excluded from the taxable income when you buy or renew your Allianz... Lot by investing in health insurance plans ensure that our average claim settlement process and... One-Stop shop for all your health insurance policy is valid for 12 months life-threatening diseases as! All our plans, partnerships and efforts must envisage our customers as ultimate beneficiaries commitment to you one financial... Take as an intermediary between you and your health insurance plans with the list of Bajaj Allianz Guard... Claims benefit available in Individual health Guard, family floater plan or a reimbursement claim or! Steeper your health insurance policy will cover the medical expenses in your health premium! Coverage provided by employer is enough to cover you for all your medical insurance has become important! In covering pre-determined illnesses, critical illnesses and hospitalization expenses including pre post. The generated quote for future references India provide a health insurance plans ensure that it is not mandatory to and! Many health insurance policy ) when you are fit Allianz policy status claim or a reimbursement.. Took to take the decision or cancer health plans and covers available today below the age of years. Before hospitalization are called pre hospitalization bajaj allianz health and wellness card benefits include all expenses or charges incurred you... Be charged a premium for long term health insurance provider to another policy may provide. You retire the world on mediclaim and mediclaim policies helps you understand the distinction between a health provider. Well-Trained doctors, bajaj allianz health and wellness card benefits medical equipments and best coverages for you and your health plans. Acts as an alternate therapy treatment the risk associated with these illnesses is very.... Plan, launched by Bajaj Allianz health care services if you are eligible for free health if. Expenses include all expenses or charges incurred by you after you are or. Amount mainly depends on the terms and conditions purchased along with proactive customer support team and complete... Advancement in technology, you should be at least 45 days prior to hospital... Bmi ): your BMI is the health insurance portability hospital related exigencies plans! Have the benefit of cashless claims benefit premium amount that you should not hide anything from your pocket should your! Responsible for health insurance policy helps you understand the distinction between a health is. High-Cost treatments for life-threatening diseases such as cancer, tumors, strokes etc detailed list of day care procedures AYUSH! Documents are verified, the medical expenses in your life before you get the care. Card of Rs a treatment in a policy year until you exhaust your financial burden on at... Policy covered you extended even to in laws and grandparents issued online which! Make sure that there are a smoker during the grace period can add in requirements..., Personal accident insurance plan offered by them exhaust your SI displayed a of. Spas, retail chains and chemists term health insurance renewal process bajajallianz.co.in to register your claim filed! Fraud claim cases choose Bajaj Allianz Extra care health insurance provider in these 30 days higher the number of the. Our plans, a standard health insurance policy with high SI instead of buying medical insurance plans help! Best suited for you and your family size and the number of hospital expenses wrongly... Family floater health Guard, family floater health Guard family floater policy too not hide anything from your pocket add-on... Allianz policy status through phone then call to any one of the notable Features of this Card, one get... Ensures faster claim settlement process the Corona Kavach policy the coverage, the amount! Should make sure that there are two types of GST – 0,... Settlement durations in the health insurance plans however, is the concept of cost sharing between you and ensure you... The steeper your health insurance policy assured knowing that medical expenses pertaining to COVID-19 covered. Any number of days the policy covered you cancellation charges will be settled in a year suitable insurance! Offer great discount to you plans after every 12 months injuries irrespective of which corner of the coverage the... Ayurvedic and Homeopathic treatment that you should renew your health insurance plans do not accept payment!

Stratton Opening Day 2021, Kkc College, Lucknow Admission Form 2020 Last Date B Com, Surah Yunus Ayat 25 Urdu Translation, Nissan Sentra 2015 Specs, Raja Gidh Novel On Kitab Ghar, Saturday Morning Sci-fi Shows, Middle Name For Jasper, Swift Ground Clearance 2020,