Step 3: you'll land on a page where you're required to fill in details like policy number, date of birth, email id and mobile number. This plan offers different types of Sum Insured options according to the age group, like INR.100000- 5000000- for the age group of 6 years to 60 years and INR. Read More. various insurance Also, to peruse the detailed list of inclusions & exclusions, refer to the health insurance policy wordings. All you have to do to renew your health insurance is click or tap a few times! Bajaj Allianz General Insurance Health Insurance policy helps you save tax up to INR 1 lakh under Section 80D against the premiums you pay. Log onto our website with your user ID and password and enter the details of your policy – policy number, etc. Room rent limit: Room rent limit is the maximum coverage your health insurance policy provides you for per day room charges, in case you are admitted to a hospital. calls will be recorded & monitored for quality & training purposes, and may be made available to ✓ Body mass index (BMI) : Your BMI is the ratio of your height and weight. You can avail the benefit of cashless claims with your health insurance policy if you are admitted to a network hospital. No medical test required and has 6000+ Network Hospitals. Health Insurance In India: Understand are all non-payable under your health insurance policy. Maximum Sum Insured can be INR 5 lakh for a mediclaim policy. to check the status. So, Health Insurance plans are your cover against unexpected health-related costs that may threaten to deplete your savings. Very user friendly. ✓ Always keep a note of covers, maximum limits and waiting periods. If not, then you can go for reimbursement health insurance claim settlement process. For a detailed list of non-payable items, please read your policy wordings carefully. Commercial Communication even though the content of the call may be for the purposes of explaining Also, you can ensure that you are eligible to avail full benefits of your medical insurance policy. Pay one single premium and provide a health insurance for yourself, your spouse and your kids. There's no need to spare any additional time and come see us in person. The policyholder of the Bajaj Allianz company can pay the premium through the online payment option. Furthermore, I Bajaj Allianz General Insurance Health Insurance policy helps you save tax up to INR 1 lakh under Section 80D against the premiums you pay. Mantri Fasal Bima Yojana, Pradhan Key features of the Arogya Sanjeevani policy include option to pay the premium of this health insurance policy on installment basis (yearly, half-yearly, quarterly or monthly), coverage for AYUSH and cataract treatment, lifetime renewal option, Sum Insured up to INR 5 lakh and option to buy this policy for yourself (individual) or for your family as well (family floater). If your BMI is beyond the normal limit, then you might have to pay higher health insurance premium. Any one illness refers to continuous period of illness, including any relapse that happens within a certain number of days as per the terms and conditions of your health insurance policy. Here is how you can earn tax benefit as per sec 80D deduction: Sum Insured (SI): Sum Insured is the maximum amount that your health insurance company is liable to pay if you are hospitalized. There are several types of health insurance plans in India. Some of the day care procedures covered under health insurance in India are: ✓ Incision of bone, septic and aseptic, ✓ Dilatation of digestive tract strictures, ✓ Foreign body removal from lens of the eye. From locating our nearest branches and network hospitals to quickly getting claims worth Rs 20 thousand settled, you can do it all via our app. Also, there might be some waiting period applicable as per your medical test reports. Non-medical items such as hair removal cream, hand wash, cozy towel, baby bottles, brush, paste, moisturizer, caps, eye pad, comb, cradle buds etc. Health insurance renewal simplified by Bajaj Allianz. Once your policy expires, it can lead to a lapse which results in you losing all the acquired benefits. We are determined to make sure that you get your money’s worth at every stage and thus, we are there for you on every step of buying and renewing your health insurance policy as well as throughout your claim settlement process. You can also buy our health insurance policy online by downloading our mobile app – Caringly Yours, by us a simple ‘Hi’ on our WhatsApp number: +91 75072 45858 or by giving a missed call on: +91 80809 45060. Once you receive your health insurance quotes & make online payment of your premium, you will get your health insurance policy (softcopy) immediately. ✓ Medical history : You might have to pay a higher premium if a certain illness runs in your family or if you have some complex medical history. 2000/- (whichever is less), for each member, during this block period of 3 years. © Copyright 2018. Bajaj Allianz Health Guard insurance policy offers comprehensive benefits at an affordable price that ensure you are covered for the larger expenses related to multiple illnesses or surgeries. A network hospital is a hospital that has an agreement with your health insurance company, which enables you to get the best treatment without having to shell out from your pocket. Disclaimer: By using above SMS services kindly note that you would be authorizing to receive call(s) / SMS from Bajaj Allianz Life Insurance Co. Ltd through its representatives on your tele-contact no with respect to the query for which you have requested call back even if it is registered under NCPR/NDNC registry with your telecom operator. It allows customers to pay a premium instalment on a monthly, quarterly, half-yearly and annual basis as per the customer's requirements. any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me. Optional Cover: The policy has 12 optional covers.They are available on the payment of an additional premium. With our Health Insurance policy, you enjoy coverage for pre and post hospitalization expenses for up to 60 and 90 days, respectively. Your health insurance company might deny your claim settlement in case of following scenarios: ✓ Claim filed for intentional self-injury, ✓ In case of misrepresentation, fraud, nondisclosure of material facts or non-cooperation from insured’s end, ✓ Claim filed for coverage of the pre-existing diseases before the waiting period gets over, ✓ In case of claim filed for any of the exclusions mentioned in the policy document. ✓ Corporate health insurance plans have very little scope for planning your future. They are customized to protect your savings from hospital bills. If you have a health insurance policy, then you can get the benefit of daily hospital cash. With a comprehensive coverage offered by our plans, you can rest assured knowing that medical expenses pertaining to COVID-19 are covered. Once you make online payment of your health insurance premium, you will get your health insurance policy (softcopy) immediately. For example, the consulting physician may prescribe certain tests to ascertain your progress or recovery after surgery. Yes, the best health insurance policy will cover you for all the medical expenses. As a taxpayer, you may, therefore, maximize tax benefit under Section 80D up to a total of INR 75,000, if you are below 60 years of age and your parents are senior citizens. On opting for Health Insurance policy for yourself, your spouse, children and parents, you can avail INR 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). In this period you can check out your health insurance policy and decide whether it is best suited for you. The Bajaj Allianz Global Personal Guard offers 100/60 times of gross monthly income as per the cover chosen.. Base Cover: This includes death, permanent total disability, and permanent partial disability. ✓ You need to be hospitalized for at least 3 hours to get the benefit of your health insurance plans. Co-payment: Co-payment or Co-pay is the fixed percentage of the claim amount that you need to pay for your health related expenses before your insurance company pays for the same. What Constitutes As Fraud. ✓ You do not need health insurance if you are fit. This in-house team resolves issues related to health insurance customers. However, the number of times you file a claim depends upon the exhaustion of your Sum Insured. But, you need all the information you can get before buying a medical insurance policy that suits your needs. It's so quick and hassle-free that you'll be done with it before you can even add it to your to-do list. If the expenses of your medical treatment exceed the Sum Insured opted by you, then you will have to pay the amount over the Sum Insured on your own. Different Types of Health Insurance Policies Online Offered by Bajaj Allianz Coinsurance: If you have multiple health insurance policies, then you can file a health insurance claim with all of them and you will be reimbursed the claim amount by all the health insurance companies, as per fixed percentage decided by you. though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. 14,600 excluding tax. As per the insurer, for a 40-year-old person, the premium for Rs.10,000 per day room is approx. ✓ Tobacco consumption : Your premium cost might be on the higher side if you smoke or chew tobacco and tobacco related products. In the below table we’ve highlighted these differences between medical insurance plans and a mediclaim policy for you to better understand and make a more informed choice to buy medical insurance online or otherwise. All you need to do is fill out a pre-authorization form at the network hospital and they will send this form to your health insurance provider, who will verify the required details and give approval for cashless treatment. It also controls claim settlements and customer service, given its in-house capabilities. ✓ Gender : Women might be required to pay higher premium than men as they tend to have more number of hospital visits. Click on the ‘Renew’ tab, then click on ‘Renew Now’ button under the health insurance section. You can add in some requirements as per your family size and the coverage needs at the time of renewal. 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