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Bajaj Allianz Healthcare Supreme Plan

Health Care Supreme is a complete plan with a broad range of coverage to meet all the healthcare needs of you and your family, at every step of life. No matter what stage of life you are at, our policy will take care of your medical priorities. With Health Care Supreme, you will have the financial shield and much-needed peace of mind at all times.

Highlights Bajaj Allianz Healthcare Supreme Plan

  • Available in three variants – Vital, Smart & Ultimo with a choice of Sum Insured up to Rs. 50 lakhs
  • No restriction on maximum entry age
  • Free annual health check-up irrespective of claim history
  • Unique coverage such as Air Ambulance, Physiotherapy Expenses, Maternity Expenses and so on
  • Option of add-on covers like Personal Accident, Critical Illness to supplement your coverage
  • Sum Insured reinstatement up to 100% in case you exhaust it during the policy term
  • Tax Benefits as per the prevailing Income Tax Laws

Scope of cover

Indivdual Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Limit

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 5

Sum Insured

5 Lakh - 50 Lakh


discount

Family Discount

Addition of Add-on Covers

Policy Periods Available

Annual


Pre-Policy Medical Check-up

Depending on Age & SI

Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Limit

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 5

Sum Insured

5 Lakh - 50 Lakh


discount

Family Discount

Addition of Add-on Covers

Policy Periods Available

Annual


Pre-Policy Medical Check-up

Depending on Age & SI

Important Features

Day Care Treatments

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

    No-Claim Benefits

    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.

      Organ Donor Cover

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

        Pre Hospitalization

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

          Post Hospitalization
          Video

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

            Restore Benefits

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

              Good to Have Benefits

              PORTABILITY

              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.

                TAX BENEFITS

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

                  SUM ASSURED ENHANCEMENT

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

                    OPD EXPENSE COVER

                    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.

                      HEALTH CHECK-UP

                      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.

                        Emergency Ambulance

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

                          AIR AMBULANCE

                          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.

                            NON-ALLOPATHIC TREATMENT COVER

                            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.

                              Value Adds

                              MATERNITY COVER

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

                                NEW BORN BABY COVER

                                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.

                                  Dental Coverage

                                  Not applicable unless it required due to an accidental injury.

                                    Recovery Benefit

                                    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.

                                      FREE LOOK PERIOD

                                      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.

                                        Add-on Covers

                                        DAILY HOSPITALIZATION ALLOWANCE

                                        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.

                                          CRITICAL ILLNESS COVER

                                          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.

                                            PERSONAL ACCIDENT COVER

                                            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.

                                              Waiting Period

                                              Cooling Off Period

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

                                                Listed Diseases

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

                                                  Pre-Existing Illnesses

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

                                                    Critical Illness

                                                    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.

                                                      Permanent Exclusions

                                                      The Plan will not cover any liabilities towards the treatments of following conditions-

                                                      • Attempted suicide
                                                      • Use of alcohol or drug
                                                      • AIDS
                                                      • Congenital disease
                                                      • Infertility and in vitro fertilization.
                                                      • Hospitalization out of war, riot, strike and nuclear weapons

                                                      The detailed list of what the policy does not cover is available in the policy wording.

                                                      Review of Bajaj Allianz Healthcare Supreme Plan

                                                      Bajaj Allianz's Healthcare Supreme Plan is a full-fledged cover rendering useful benefits. With an option of three plan variants, you can determine the sum insured up to Rs.50 lakhs based on an estimate of your medical expenses. Similarly, additional riders like Cover for Critical Illness and Personal Accident makes the plan completely worthy of investment. In all, if you are looking for an extensive coverage for you and your family, you can consider this plan.

                                                      **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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