Bajaj Allianz Family Health Care

• OTC product with only 4 Age Brackets – 0-40, 41-60, 61-70 & 71+
• No room rent restriction
• Road ambulance : Up to INR 3000
• Hospital cash benefit : INR 500 per day for max 30days
• 100% Sum insured re-instatement benefit
• Free Medical check-up at the end of continuous period of 3 years : up to 1% of the SI max up to INR 2000
• It also offers coverage for

  In-patient Hospitalisation Treatment Pre-Hospitalisation : 60 days Post-Hospitalisation : 90 days Day Care Procedures Organ Donor Expenses Ayurvedic / Homeopathic Hospitalisation Expenses

  
  Click Here to read the policy wording.
  

• Benefits will not be available for Any Pre-existing condition, ailment or injury, until 36 months of continuous coverage have elapsed, after the date of inception of the first Family Health Care policy, provided the pre-existing disease / ailment / injury is disclosed on the proposal form.
• Any Medical Expenses incurred during the first 36 months during which You have the benefit of a Family Health Care policy with Us in connection with:

a. Joint replacement surgery

b. Surgery for prolapsed inter vertebral disc (unless necessitated due to an accident)

c. Surgery to correct deviated nasal septum

d. Hypertrophied turbinate

e. Congenital internal diseases or anomalies

f. Treatment for correction of eye sight due to refractive error recommended by Ophthalmologist for medical reasons.

• Any disease contracted and /or medical expenses incurred in respect of any disease /illness by the insured during the first 30 days from the commencement of the policy, except for accidental injuries.
• Treatment arising from or traceable to pregnancy and childbirth including caesarian section, and/or any treatment related to pre and postnatal care and complications arising out of Pregnancy and Childbirth. However this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending medical practitioner.
• Any dental treatment that comprises cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, orthognathic surgery, jaw alignment or treatment for the temporomandibular (jaw) joint, or upper and lower jaw bone surgery and surgery related to the temporomandibular (jaw) unless necessitated by an acute traumatic injury or cancer and also requiring Hospitalisation.
• Medical expenses where Inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioner round the clock.
• Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental Bodily injury.
• Circumcision unless required for the treatment of Illness or Accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.

You can register a claim by using the link : https://www.bajajallianz.com/health-insurance-plans/health-insurance-claim-process.html or over the phone by dialling our Toll free number - 1800-209-5858, post which you will be connected to our customer care executive who will guide you through the entire Insurance claim process.