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Bajaj Health Insurance Plans for Family
An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day by day. If an accident or critical illness befalls you, it may cause a huge financial burden for you and your dependents. A hard-hitting truth is that whether the hospitalization is planned or not, it comes as an unpleasant surprise, and it is sure to cost you heavily. So, it’s better to have the protection of a health insurance policy, which besides helping you to manage your finances, also offers you several other benefits at very affordable premium rates. The Bajaj General Health Insurance has an ample number of options for individuals and families.
Bajaj General is a joint venture between India-based Bajaj Finserv Limited and European financial services company General SE. Bajaj General meets the needs of its customers by offering a wide variety of insurance products, which include health insurance plans. By combining global expertise with local experience, the company provides their clients with customized products and transparent benefits, catering to every segment and age-income profile.
Bajaj General Family Floater Health Guard policy is not only going to cover your loving family but will also protect your savings from getting depleted due to high medical expenses. So let’s discuss the Bajaj General Family Floater Health Guard policy with its key features and benefits.
Benefits of the Bajaj General Family Health Insurance Plan
Bajaj General Family Health Insurance Plan has the following benefits:
- Long-term policy discount of 4% for 2 years, and 8% for 3 years, which makes the plan unique.
- Organ donor expenses are covered up to the sum insured.
- 10% cumulative bonus benefit for every claim-free year up to 100%
- Covers pre and post-hospitalization expenses incurred 60 days prior to and 90 days post-hospitalization.
- Income Tax benefit as per section 80D.
- Bariatric surgery cover, which makes this plan a little easier on the pocket at the time of need.
- Convalescence benefit up to Rs. 7500/- per year (subject to Sum Insured opted)
- Ayurvedic and Homeopathic hospitalization cover.
- Free preventive health checkup every 3 years, irrespective of a claim.
- Maternity and newborn baby expenses are covered which makes this a very useful plan for young couples.
- Benefit of daily cash of INR 500 per day, for up to 10 days of hospitalization.
- Coverage of pre-and post-hospitalization costs up to 60 days and 90 days respectively.
- Coverage of maternity and newborn is available in the Gold and Platinum plans.
- The insured can avail of free annual health check-ups.
- Coverage for mental illness with a waiting period of two years.
- Long-term policy discounts up to 4% for two years and 8% for three years.
- In-patient Hospitalization Treatment
- Day Care Procedures
- Road ambulance: Up to INR 3000 per hospitalization as per actuals
- Organ Donor Expenses
- 100% Sum insured reinstatement benefit
- Hospital cash benefit: INR 500 per day for a maximum of 30 days
- Preventive health check-up: 1% of the SI max up to INR 2000/- on consecutive renewal of 3 years.
| Features | Specifications |
| Entry Age | 18 years to 65 years for Self & Spouse 3 months to 25 years for Children |
| Eligibility for Members | Indian Citizens Non-resident Indian Citizens India Post Payments Bank Customers |
| Sum Insured | 1 / 2 / 3 / 4 / 5 lacs |
| Pre-policy check-up | Up to 65 years, no medical tests required (subject to no adverse medical history) |
Bajaj Health Insurance Plans for Family Health Eligibility
The eligibility criteria for Bajaj General Health Insurance for Family is as follows:
- The entry age for proposers is 18 years to 65 years. The policy can be renewed for a lifetime.
- Entry age for children is 3 months up to 30 years.
- No medical tests up to 45 years, subject to a clean proposal form.
Bajaj General Health Insurance Plans for Family Health Inclusions
The following coverage is offered by the Bajaj General Health Insurance plans for a family:
Ayurvedic/ Homeopathic Hospitalization Expenses (not available under the Health Guard Silver plan)
Convalescence Benefit/ Recovery Benefit (not available under Health Ensure plan)
Maternity Expenses (not available under the Health Guard Silver plan and Health Ensure plan)
New Born Baby Cover (not available under Health Guard Silver plan and Health Ensure plan)
In-patient hospitalization treatment
Pre-hospitalization medical expenses
Post-hospitalization medical expenses
Road ambulance expenses
Daycare procedures
Organ donor expenses
Bajaj General Health Insurance Plans for Family Health Exclusions
The following are the exclusions by the Bajaj General Health Insurance plans for a family:
A waiting period of 3 years will be applicable in the case of pre-existing diseases.
Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.
Certain diseases such as hernia, piles, cataracts and sinusitis shall be covered after a waiting period of 2 years.
Conclusion
The Bajaj General Health Insurance for Family / Bajaj General Family Floater Health Guard policy has an ample number of options under individual and family floater policies providing extensive coverage up to INR 10 crore. The company provides various benefits such as flexible sum insured options, maternity and newborn cover, extensive coverage of hospitalization expenses, free annual check-ups and a variety of discounts on online and long-term policy tenure. Its wide network of cashless hospitals is impressive.
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