- Health Guard
- Hospital Cash
- Critical Illness
- Personal Guard
- Silver Health
- E–Opinion
- Star Package
- Health Ensure
- Insta Insure
Health Guard policy takes care of your hospitalization expenses & also offers a wide coverage of pre & post hospitalization expenses. It allows the insured to get treated with a cashless facility at over 2400 hospitals in the country. Other features include the option of other hospitals besides the empanelled ones, pre and post hospitalization coverage, family discount of 10%, ambulance charges in an emergency, coverage of pre-existing conditions after 4 years continuous renewal of policy and more.
Hospital Cash
This policy covers the incidental expenses incurred during the hospitalization period. In the event of hospitalization this policy provides a cash allowance of Rs 500-2500 for each day of hospitalization.
Critical Illness
Critical illness policy provides protection from the life threatening illness. Its a benefit policy which pays you a lump sum amount once you are diagnosed with one of the critical illnesses listed in their system. These range from Cancer, to heart attacks to Multiple Sclerosis and many more. The premium rates are competitive and the lump sum provided allows you the flexibility of deciding your treatment options without any caveats.
Silver Health
This plan is exclusively designed for the senior citizens, which covers medical expenses incurred during hospitalization period. It covers pre-existing conditions from the second year of the policy, a cashless facility at network hospitals, 80% reimbursement of expenses within 14 days at non-network hospitals and more.
E Opinion
This offer covers the expenses of second opinion e-consultation services for serious illnesses. The policy offers unprecedented access to over 7000 physicians employed by the renowned hospitals of the WorldCare Consortium. It gives you an opportunity to obtain the best of international expertise at a fraction of the cost.
Star Package
It is a unique family floater policy which protects your family against various risks and contingencies. It provides a gamut of covers for various health risks, household contents, education grant, travel baggage and public liability all under a single policy. It has 8 sections and you would have to opt for a minimum 3 sections to avail for this policy.
Health Ensure
This policy takes care of the medical treatment costs incurred by an individual during hospitalization due to serious accident or illness.
Insta Insure
This family floater policy takes care of the medical treatment costs incurred by your immediate family during hospitalization. The policy also pays an amount equivalent of 2 % of admissible hospitalization expenses towards pre and post hospitalization medical expenses and ambulance charges in case of emergency (subject to a maximum of Rs.1,000). The proposer (self insured) under the policy is also covered for a sum insured of Rs. 1 lakh against death due to accident.
For detailed information on the policies, benefits and premiums, you can go to the company's website at www.bajajallianz.com.
As with all transactions involving money, insurance policies come with conditions and riders. Please ask for all the features, benefits and check all fine print with diligence before signing on the dotted line.