Bajaj Allianz Healthcare Supreme Plan

The plan covers the expenses towards all day-care procedures that would otherwise require hospitalization of a minimum of 24 hours.

For every claim-free year, you will be entitled to a 10% cumulative bonus for the next policy year up to a maximum of 50% of the sum insured.

Covers for the medical expenses for harvesting the organ from the donor for transplantation up to a limit of sum insured.

Compensates for the Pre-Hospitalisation expenses for consultations, investigations and medicines incurred up to 60 days before Hospitalisation

Compensates for the Post-Hospitalization expenses for consultations, investigations and drugs incurred up to 90 days after discharge from Hospitalization.

If you exhaust the entire sum insured during the policy year, the same will be re-0instated up to a maximum of 100%.

If you are currently insured with a different insurer and wish to switch to Bajaj Allianz Healthcare Supreme Plan, you can do the same without losing your accrued benefits after the waiting periods.

You can avail tax benefits for the premium amount paid towards this plan under Section 80D of the Income Tax Act, 1961.

You can apply for enhancement of Sum Insured at the time of renewal by submitting a new proposal form to the company.

You can claim for the OPD treatment only twice a year between Rs.2,500 to Rs.25,000 depending on the plan you choose. Similarly, You can also claim for the Physiotherapy on OPD basis between Rs.5,000 to Rs.50,000 basis your plan.

The plan allows you for a complimentary health check at every renewal for the list of tests defined as per the eligibility. The check-up can be carried out at an empaneled diagnostic center.

Forms a part of the in-patient expenses and can be claimed up to a maximum of sum insured along with other charges.

You can claim for the costs for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions, up to 10% of Hospitalization Sum Insured depending on the plan you choose.

The policy covers for expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy in a government hospital or any institute recognized by the state and/or accredited by Quality Council of India/National Accreditation Board on Health up to a maximum of sum insured.

Based on the plan you opt, you can claim for the Maternity expenses between Rs.25,000 and Rs.1 lakh.

Compensates for any medical expenses towards the treatment of the newborn baby up to a maximum of Rs.1 lakh basis the plan you select.

Not applicable unless it required due to an accidental injury.

Based on the plan variant you choose, you can opt for a recovery benefit between Rs.10,000 and Rs.50,000 in the event of hospitalization for a disease/illness/ injury for a continuous period exceeding seven days.

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Depending on the plan you have opted for, you can get a daily cash allowance for up to Rs. 1,000 for a maximum limit of Rs. 2,500 for 30 days at the most. You can opt for this benefit twice in case of admission to ICU.

This is an optional coverage, and if opted, depending on the plan variant, you can choose either Rs. 5 lakh or Rs.10 lakh as your sum insured. This benefit covers 15 critical illnesses and has a 30 days survival and 90 days waiting period.

If you select this cover, you can claim for 100% of Sum Insured in the case of death in an accident. Similarly, 200% of Sum Insured in the case of Permanent Total Disability. Another compensation in case of Permanent Partial Disability and Temporary Total Disability is paid as per the policy wordings. This benefit also entitles for a Transportation Benefit up to Rs.5,000 and Children's Education Benefit of Rs.5,000 each up to a maximum of two dependable children.

A 30 days cooling off period for all claims except any arising out of accidental injuries.

One year waiting period for few listed conditions like any types of gastric or duodenal ulcers, Benign prostatic hypertrophy, Endometriosis, Fibromyoma, etc.

You can claim for any pre-existing conditions or Maternity related expenses after 24 months from the policy start date.

Claim for any Critical Illness within 90 days of the commencement of the policy in the first year and does not apply to subsequent renewals.