Bajaj Allianz Health Care Supreme Plan: Cover Extensive Features

Bajaj Allianz Health Care Supreme Plan

From an individual to an entire family, the Health Care Supreme policies provide superior quality care. Medical insurance plans like this one provide a wide range of benefits to ensure maximum coverage in the event of illness or injury. An innovative solution and technical expertise are part of this plan offered by Bajaj Allianz Company. There are three types of policies available under the Health Care Supreme Plan, which include Individual plans, Floater plans, and Group plans. It is possible to choose these options according to the requirements of the individual, family, or company.

There are a number of unforeseen circumstances that can be handled by this plan. The Health Care Supreme plan includes three variants: Vital, Smart, and Ultimo. Based on the variant chosen, the sum insured for this plan varies between Rs. 5 lakh and Rs. 50 lakh. A separate floater policy can cover parents, spouses, and dependent children in addition to self-employed individuals, spouses, and dependent children. The annual policy is available to anyone over 45 years of age, but there are some medical tests required for those over 45.

Features of Health Supreme Plan

Here are some of the most prominent features of the Bajaj Allianz Health Care Supreme Policy before we discuss it in detail:

Coverage ranging from INR 5 lakhs to INR 50 lakhs
Health insurance floaters are available for individuals and families
If hospitalization costs exceed the sum insured, 100% of the sum insured will be reinstated
Medical expenses related to hospitalization are covered for 60 days before and 90 days after the hospitalization
This plan will cover air ambulance and road ambulance services
The expenses will be covered regardless of whether the woman delivers via C-section or by normal delivery
Procedures related to dentistry are covered
In spite of your claim history, you are entitled to free annual health checks
Newborns are covered for 90 days of vaccinations after birth
A number of special benefits are offered to employees, such as a recovery benefit, physiotherapy and organ donation expenses
Homoeopathy and Ayurveda are covered
A base plan's coverage can be increased with add-on options
Under Income Tax Act Section 80D, you can save on your income tax

Benefits of Health Care Supreme Plan

Expenses associated with hospitalization - The company will cover your in-patient medical expenses when you are hospitalized as a result of an injury or illness. The following would be included:
In addition to board and room rent, OT and ICU charges will be incurred
Care provided by nurses
Medications and consumables
Procedural Diagnostics
Fees for consultations
Implants and other equipment/prosthetics costs
The pre- and post-hospitalization period - Hospitalization is only one aspect of medical expenses. Under the Health Care Supreme plan, the expenses incurred on treatment 60 days just before and 90 days after your hospitalization, for the same illness or injury, will be reimbursed.
Air ambulances and road ambulances - Whether provided by a hospital or a service provider, this plan covers ambulance services. The plan would also cover Air Ambulance expenses when life-threatening conditions necessitate evacuation and transportation to a nearby hospital.
Maternity Coverage - A normal delivery or a C-section will be covered, regardless of the method of delivery. During the pregnancy, the maternity health insurance cover can only be used twice, either for the delivery of the baby or for the termination of the pregnancy. Only after 24 continuous months of coverage will this facility be available.
Cover for newborn babies - Newborn babies are covered for vaccinations during the first 90 days of their lives. Any treatment your baby receives while you are an inpatient or any health issue you have during the first 90 days will be covered.
Expenses associated with outpatient care - The company will cover expenses for outpatient consultations with specialists during the policy tenure
Consultations with specialists
Injury or illness-related investigations
The specialist prescribes medicines
Listed under Dental Procedures are root canals and extractions
Psychiatric disorders require consultation
Benefits associated with recovery - A lump sum amount will be paid once in a policy period in case an insured member stays hospitalised for more than 7 days due to illness or injury.
Treatment for Daycare - This plan will also cover medical expenses related to day-care procedures.
Exercise and physiotherapy - If you suffer an illness or injury during the tenure of the policy, the company will cover the cost of your physiotherapy. You will be covered for 10 sittings per illness/injury.
Reimbursement of sum insured- The company will reinstate 100% of the sum insured for the policy period if a hospitalization exceeds the sum insured and the cumulative benefit. You can only claim this benefit once during the policy period. There is no carryover of this facility.
Treatments that are alternative - Ayurvedic and homoeopathic treatments are preferred by many policyholders. These plans cover hospitalizations lasting over 24 hours for them. As long as the doctor or healthcare centre is recognized by the government, the in-patient expenses will be covered.
Transplantation of organs from donors - The company pays a lump sum for Organ Donor expenses when an organ is transplanted in accordance with the Transplantation of Human Organs Amendment Bill 2011, and amendments thereto.
Bonuses cumulatively- In the event of a claim-free year (that is up to 50% of your insured sum under hospitalization), you will receive a 10% cumulative bonus.
Checkups for preventative health - Each year after you renew the Health Care Supreme Policy, you and other Individual Sum Insured members will be entitled to a free health check-up, covering a specific list of tests. The proposer and spouse may both use this facility in Floater Sum Insured policies.
Renewability for life - Bajaj Allianz offers a lifelong renewal option for its Health Care Supreme Policy. The policy can be renewed for your entire life, so you don't have to worry about it.

Inclusions of The Plan

The policy offers some helpful inclusions such as:

Children's Education Benefits- Upon the death or injury of the policyholder, his/ her two children become eligible for a INR 5,000 Educational benefit each.
Benefits related to transportation - Transport benefits of INR 5,000 are available in the event of death or injury due to an accident.
Benefit for critical illness - It would include the following features:
The plan covers 15 terminal illnesses
Sum insured can range from INR 5 to INR 10 lakhs
After 90 days, there is a waiting period
Upon diagnosis, you will receive a lump-sum payment according to your policy
Coverage for personal accidents - If you or an insured member are injured in an accident, you will be covered in the following ways:
The nominee will receive 100% of the sum insured in the event of death
The sum insured is 200% in case of permanent disability
Depending on the type of disability, compensation is available for permanent partial disabilities
Mortal remains are transported - Up to five lakhs can be insured as the sum insured for your spouse, your children, and your parents if you have dependents
Benefits related to ancillary cash - According to your plan, if you are hospitalised for more than 24 hours due to an illness or injury, a daily cash benefit will be provided. Here are the variants:
Plan vital
Plan smart
Plan ultimo

Exclusions of The Plan

Exclusions are services that aren't covered by health insurance plans. It is important to keep these exclusions in mind when buying a policy, as you cannot make a claim in the following situations:

Critical illness pre-existing
In the first 90 days after purchase of the policy, any terminal illnesses are discovered
Participating in an unlawful act causes an injury
Injuries caused by oneself
In the case of burns or accidental injuries, plastic surgery or cosmetic surgery is excluded
Genetic disorders, congenital external diseases
Implantation of stem cells
Abuse-related illnesses
Infertility, impotence, and fertility issues
Getting circumcised
Gender change surgery
An injury sustained as a result of war, civil war, invasion, a foreign enemy act, revolution, military power or usurped authority

FAQ

In order to buy Bajaj Allianz Health Care Supreme Policy, what criteria must be met?

Proposal for entry age - 18 years to a lifetime
Children 3 months to 25 years of age with dependents

Are family floater policies available to everyone?

Options for individuals, spouses, children, and parents
Yourself, your spouse, and your children can all be covered by the family floater policy. Parents can purchase a separate family floater plan

Does Health Care Supreme include any add-on benefits?

As a result of the add-on benefits that come with the base insurance policy, the coverage can be expanded. As part of this plan, you will receive the following benefits:

Benefits for critical illnesses
Coverage for personal accidents
Auxiliary Expenses

Day Care Treatment: What is covered?

It may be necessary to stay in the hospital for fewer than 24 hours for certain treatments. Day-care treatments fall under this category. A list of such treatments is covered under the Health Care Supreme Policy.

What is the policy period of the Health Care Supreme Policy?

There are three tenure options for the Health Care Supreme Policy: one year, two years, and three years.

Download Brochure