This is very crucial policy which is actually giving you benefit paying the sum insured as lump sum amount once you are treated with one of the below listed critical illness.

• Cancer.
• Multiple Sclerosis.
• Paralysis.
• Coronary Artery Bypass Surgery.
• Major Organ Transplant.
• Primary Pulmonary Arterial Hypertension.
• First Heart Attack.
• Stroke.
• Kidney Failure.

Features of Bajaj Allianz insurance policy-

1. The policy insures 10 vital illnesses like cancer, heart attack, paralysis, etc.
2. Sum Assured amount is payable once the disease is diagnosed.
3. Medical examination is required in some cases based on the age and the benefit amount provided by the propose.

Advantages of Critical Illness Policy-

1. Very less premium.
2. The insured gets lump sum amount where he can plan the treatment accordingly.
3. Expenses in a transplant surgery, which normally are not covered under genral health insurance policy, can be paid out of the amount received under this cover.
4. Premium paid is exempt under the section 80 D of Income Tax Act as per existing IT laws.

Coverage of Critical Illness Policy-

1. Sum Insured available from 1,00,000 to Rs. 50,00,000.
2. Age limit – 6 yrs – 59 Years.

Benefits-

1. In-patient Hospitalization – It covers hospitalization expenses including room rent, doctor/surgeon fees, nursing care, operation theatre charges, etc.
2. Pre and Post Hospitalization- It covers medical expenses up to 60 days prior and 90 days after discharge from the hospital.
3. Domiciliary Hospitalization- It covers the medical expenses for treatment taken at home, subject to a condition.
4. Day Care Procedures- It covers 141 day care procedures/surgeries which do not require more than 24 hours of hospitalization.
5. Ayush Benefit- It covers medical expenses for in-patient treatment under Ayurveda, Unani, Sidha or Homeopathy.
6. Health Check-up- It covers cost of health check up cost up to 1% of sum insured, subject to a maximum of Rs.5,000/-
7. Ambulance Charges- It covers ambulance charges up to Rs.2000/- in an emergency.
8. Cumulative Bonus- It provides cumulative bonus of 5% on sum insured for every claim free year, subject to a maximum of 50%.
9. Cashless Hospitalization- It provides cashless hospitalization service at over more than 4200 network hospitals across India.

Tax Benefit-
Premium paid is eligible for tax benefit under section 80D of the Income tax Act,1961.

Eligibility-

1. Covers individual aged between 3 months to 65 years
2. Available for an individual and for family
3. Sum insured ranges are Rs.1Lakh, Rs.2Lakh and Rs.3Lakh

A flat benefit of 3% is admissible hospitalization expenses are paid towards pre and post hospitalization expenses. The cost of health check ups are covered after continuous four claim free years. Pre-existing diseases are covered from the second year of the policy.

And more, Silver Health Plan comes with cashless hospitalization service, the insured can avail cashless facility at over 2400 network hospitals across country. A 20% of co-payment is admissible, if treatment is taken in non network hospitals. Waiver of co-payment is available on payment of additional premium. There are free value added service available for Bajaj Allianz Silver health policy holders.

The cumulative bonus of 5% is provided on sum insured for every claim free year, subject to a maximum of 50%. Also, a family discount of 5% is applicable under this policy. Premium paid is eligible for tax benefit under section 8oD of the Income Tax Act,1961.

The policy is available for the people aged above 46 years and up to 70 years. The policy can be renewed up to the age of 75 years. The sum insured ranges starts from Rs.50,000/- to Rs.5,00,000/-.

The policy covers insured for in-patient hospitalization treatment for more than 24 hours of hospitalization. It includes hospital room charges, operation theatre charges, ICU charges, nursing care, surgical dressings, doctors fees, cost of medicines, pathology test, x-rays, diagnostic test, prosthetic implants, etc. Pre and post hospitalization expenses are covered up to 30 days prior to admission in hospital and after 60 days after discharge from the hospital.

The policy also includes several benefits such as domiciliary treatment, day care procedures, maternity benefit, new born baby cover, annual health check-ups, emergency ambulance charges, etc.

Heartbeat Gold Plan offers cashless hospitalization service at network hospitals across country. A cumulative bonus of 10% is provided on sum insured for every renewal of policy. You can also avail tax benefit on premium paid under section 80D of the Income Tax Act,1961.

Health Guard covers all hospitalization expenses for more than 24 hours of hospitalization. There is no sub limit on room rent and other expenses. It covers pre and post hospitalization expenses  up to 60 days prior and 90 days after  hospitalization. Pre-existing diseases are covered after 4 continuous policy years.

The policy also covers around 130 day care procedures, subject to term and conditions. In the event of emergency ambulance charges are covered, subject to a maximum limit of Rs.1000/-.

The policy offers cashless hospitalization service at over more than 4000 network hospitals across India. If the treatment is taken non network hospitals, 10% co-payment is applicable. Waiver of co-payment is available on payment of additional premium. The cumulative bonus of 5% is provided on sum insured for every claim free year. A family discount of 10% is offered on sum insured. Premium paid is eligible for tax benefit under section 80 of the Income Tax Act,1961.

Eligibility-
The policy covers persons aged above 3 months and up to 55 years. The proposer’s aged should be above 18 years. The policy is renewable up to the age of 70 years. Children from 6 years to 18 years can be covered, if one of parent is insured under this policy. There is no pre-medical examination up to age 45 years for the sum insured of Rs.10Lakh.

The key feature is that flat amount of Rs.14725/- only irrespective of the sum insured or age of the persons or number of persons covered.

The policy covers in-patient hospitalization expenses for more than 24 hours of hospitalization. It includes room rent and boarding expenses up to 2% of the sum insured, subject to a maximum of Rs.4000/- per day (Class A cities), 1% of the sum insured, subject to a maximum of Rs.3000/- per day (Class B cities), 1% of the sum insured, subject to a maximum of Rs.1000/- per day (Other locations).

It also covers nursing expenses, surgeon fees, consultant fees, anesthetists fees, cost of medicines and drugs, blood, oxygen, diagnostic expenses, pacemaker, etc.

The pre-hospitalization expenses are covered up to 30 days and post hospitalization expenses are calculated at 7% of the hospitalization expenses, subject to a maximum of Rs.5000/-. The emergency ambulance cahrges are covered up to Rs.750/-, subject to a maximum of Rs.5000/-.

The policy is available for any individual aged between 5 months and 60 years. The policy can cover maximum of 2 adults and 3 children. The sum insured ranges are Rs.1Lakh, Rs.2Lakh, Rs.3Lakh, Rs.4Lakh and Rs.5Lakh. The premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

The policy covers insured person for following medical expenses due to any serious sickness and accidental injuries.

1. Hospitalization Cover- It includes hospital room charges, boarding expenses, doctors fees, surgeon fees, specialist fees, operation theatre charges, ICU charges, doctor fees, surgeon fees, specialist fees, medicines and drugs, blood, oxygen, diagnostic expenses, pacemaker, etc.
2. Pre and Post Hospitalization- It covers medical expenses up to 60 days prior and 90 days after hospitalization.
3. Day Care Procedures- It covers 130 day care procedures which do not require more than 24 hours of hospitalization due to advance technological treatment.
4. It also covers cost of health check up after 4 continuous claim free policy years, subject to a maximum of Rs.1000/-
   In the event of emergency, ambulance charges are covered, subject to a maximum of Rs.1000/-
   Pre-existing diseases are covered after 4 continuous policy years.

Benefits-

1. Cashless hospitalization service at over more than 2400 network hospitals across India.
2. No medical check up is required up to the age of 45 years and for sum insured up to Rs.10Lakh.
3. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Eligibility Criteria-

1. Available for any individual age between 18 years and 55 years.
2. Policy can be renewable up to 70 years
3. Children from 3 months to 25 years can be covered.
4. Sum insured ranges from Rs.2Lakh to Rs.10Lakh.

The policy covers the insured person for in-patient hospitalization expenses for more than 24 hours of hospitalization. It includes room rent, boarding expenses, doctors fees, surgeon fees, specialist fees, anesthetist fees, operation theatre charges, ICU charges, cost of medicines and drugs, blood, oxygen, pacemaker, artificial limbs, etc.

The policy also covers pre and post hospitalization expenses, day care procedures, domiciliary treatment, organ donors expenses, emergency ambulance charges, daily cash for choosing shared accommodation, cost of health check-up, etc.

Eligibility-
This policy is open to any individual aged between 1 year to 60 years. The sum insured ranges are Rs.1Lakh, Rs.1.5Lakh, Rs.2Lakh, Rs.2.5Lakh, Rs.3Lakh, Rs.4Lakh and Rs.5Lakh. The policy can be renewed for lifetime.

Features-
The policy is available on cashless hospitalization service at over more than 4000 network hospitals (including 42 Apollo Hospitals) across India. Additional sum insured of 10% is provided for every claim free year. The premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

The policy covers the insured person for in-patient hospitalization expenses for more than 24 hours of hospitalization. It includes room rent, boarding expenses, surgeon fees, consultant fees, specialist fees, anesthetist fees, medicines, drugs, etc. Room rent and boarding expenses are as per policy conditions.

It also covers ambulance charges for transporting the insured person from resident to hospital, subject to a maximum limit of Rs.750/- and overall limit is Rs.1500/- per policy period.

Pre hospitalization expenses are covered up to 30 days prior to hospitalization. A lump sum calculated at 7% towards post hospitalization, subject to a maximum limit of Rs.5000/- Pre-existing diseases are also covered under this policy. A discount of 10% is provided on premium amount  for every claim free year renewal with the company.

The policy is available for any individual aged between 5 months and 60 years. Family means, proposer, spouse and dependent children up to the age of 25 years. The sum insured ranges are from Rs.1Lakh to Rs.5Lakh.

This health insurance covers the hospitalization expenses including room rent, boarding expenses, doctors fees, surgeon fees, etc. It also covers Outpatient Department expenses such as diagnostic tests, dental treatment, medical bills, etc.

Pre and post hospitalization expenses are also coverer up to 30 days prior and 60 days after hospitalization. All pre-existing diseases can be covered after two continuous policy years with the company. The technological advance treatment/surgeries are also covered which do not require more than 24 hour of hospitalization.

The policy is available for the peoples aged between 5 years and 65 years. The applicant’s age should be above 18 years. The spouse, dependent parents and children above 5 years can be covered.  The policy is renewable up to the age of 70 years. No health check up is required for the people up to the age of 55 years.

The Health Advantage Plus provides cashless hospitalization service at over more than 3500 network hospitals across India. It also provides additional sum insured for every claim free year. Tax benefit is also offered on premium amount under section 80D of the Income tax Act,1961.