Health Ensure: Bajaj Allianz
Health Ensure: Bajaj Allianz
Health Ensure: Bajaj Allianz
HEALTH ENSURE
HEALTH IS SURE
WITH HEALTH ENSURE
Bajaj Allianz’s Health Ensure Policy comes with new comprehensive benefits at competitive premiums and is a perfect
product to care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/
injury.
What are the Sum Insured options available under the policy?
Sum Insured Options Under Individual Policy-
Rs. 50,000, Rs. 75,000, Rs. 1 Lac, Rs.1.5 Lacs, Rs. 2 Lacs, Rs. 3 Lacs, Rs. 4 Lacs, Rs. 5 Lacs, Rs. 10 Lacs
Sum Insured Options Under Floater Policy-
Rs. 2 Lacs, Rs. 3 Lacs, Rs. 4 Lacs, Rs. 5 Lacs, Rs. 10 Lacs
Eligibility
Indian nationals residing in India would be considered for this policy.
This policy can be opted by Non-Resident Indians also, provided premium is paid in Indian currency & by Indian
Account only
Sum Insured for Self (i.e. Proposer) cannot be less than any of his/her family members
COVERAGE
1. In-patient Hospitalisation Treatment
If You are hospitalized on the advice of a Doctor because of Illness or Accidental Bodily Injury sustained or
contracted during the Policy Period, then We will pay You, Reasonable and Customary Medical Expenses incurred
below:
i) Room Rent, Boarding and Nursing Expenses as provided by the Hospital maximum of 1%of Sum Insured per
day or up to Rs. 5000/-, whichever is lower.
ii) ICU Charges- If admitted in ICU, we will pay ICU Charges as provided by the Hospital subject to maximum of
2% of Sum Insured per day or up to Rs. 10000/-, whichever is lower.
iii) Fees of Surgeon, Anesthetist, Medical Practitioner, Consultants and Specialists Doctors.
iv) Operation Theatre Charges, Anesthesia, Blood, Oxygen, surgical appliances, Medicines &Drugs, Dialysis,
Chemotherapy, Radiotherapy, cost of Artificial Limbs, cost of prosthetic devices implanted during surgical
procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant
laboratory diagnostic tests, X-ray and such similar expenses that are medically necessary.
Note: In case of admission to a room at rates exceeding the limits as mentioned under 1.(i) & (ii), the
reimbursement of all other expenses incurred at the Hospital, with the exception of cost of medicines and
consumables, shall be payable in the same proportion as the admissible rate per day bears to the actual rate
per day of room rent charges.
2. Pre-Hospitalisation
The Medical Expenses incurred during the 30 days immediately before you were Hospitalised, provided that: Such
Medical Expenses were incurred for the same illness/injury for which subsequent Hospitalisation was required,
and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment.
3. Post-Hospitalisation
The Medical Expenses incurred during the 60 days immediately after You were discharged post Hospitalisation
provided that such costs are incurred in respect of the same illness/injury for which the earlier Hospitalisation was
required, and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment.
4. Road Ambulance
We will pay the reasonable cost to a maximum of Rs. 1000/- per Hospitalisation incurred on an ambulance offered
by a healthcare or ambulance service provider for transferring You to the nearest Hospital with adequate
emergency facilities for the provision of health services following an Emergency.
We will also reimburse the expenses incurred on an ambulance offered by a healthcare or ambulance service
Note: In case of admission to a room at rates exceeding the limits as mentioned under (i), the reimburse-
ment of all other expenses incurred at the Hospital, with the exception of cost of medicines and consumables,
shall be payable in the same proportion as the admissible rate per day bears to the actual rate per day of room
rent charges.
Our maximum liability is up to 20% of Sum Insured per policy year. This benefit will be applicable annually for
policies with term more than 1 year.
In case of enhancement of Sum Insured, the waiting periods shall apply afresh only to the extent of the amount by
which the limit of indemnity has been increased (i.e. enhanced Sum Insured) and if the policy is a renewal of Health
Ensure Policy with Us without break in cover.
4 Any Medical Expenses incurred during the first 48 months during which You have the benefit of a Health Policy with
Us in connection with:
• For Multiple conditions cumulative loading would be applied on the published premium.
• The maximum risk loading applicable for an individual shall not exceed 25% of the published premiums, for overall
risk per person.
• These loadings are applied from Commencement Date of the Policy including subsequent renewal(s) with Us or
on the receipt of the request of increase in Sum Insured (for the increased Sum Insured).
• We will inform You about the applicable risk loading through a counter offer letter. You need to revert to Us with
consent and additional premium (if any), within 15 days of the issuance of such counter offer letter. In case, you
neither accept the counter offer nor revert to Us within 15 days, We shall cancel Your application and refund the
premium paid within next 7 days.
• Please note that We will issue Policy only after getting Your consent.
Additional benefits
Cumulative Bonus
Cumulative Bonus is applicable only for In Patient Hospitalisation Treatment Section.
i. If You renew Your Health Ensure Policy with Us without any break in the Policy Period and there has been no
Multiple Policies
If two or more policies are taken by You during a period from one or more insurers to indemnify treatment costs, You
shall have the right to require a settlement of your claim in terms of any of your policies.
i. In all such cases the insurer who has issued the chosen policy shall be obliged to settle the claim as long as the
claim is within the limits of and according to the terms of the chosen policy.
ii. Claims under other policy/ies may be made after exhaustion of Sum Insured in the earlier chosen policy /
policies. It is further clarified that the policyholder having multiple policies shall also have the right to prefer
claims from other policy/policies for the amounts disallowed under the earlier chosen policy/ policies, even of
the sum insured is not exhausted. Then we shall settle the claim subject to the terms and conditions of the
other policy/policies so chosen.
iii. If the amount to be claimed exceeds the sum insured under a single policy after considering the deductibles or
co-pay, you shall have the right to choose insurers from whom you wants to claim the balance amount.
iv. Where you have policies from more than one insurer to cover the same risk on indemnity basis, the insured
shall only be indemnified the hospitalization costs in accordance with the terms and conditions of the chosen
policy.
Renewal
i. Under normal circumstances, renewal will not be refused except on the grounds of Your moral hazard, misrepre-
sentation, fraud, or your non-cooperation. (Subject to policy is renewed annually with us within the Grace period of
30 days from date of Expiry)
ii. In case of our own renewal, a grace period of 30 days is permissible and the Policy will be considered as continuous
for the purpose of all waiting periods. However, any treatment availed for an Illness or Accident sustained or
contracted during the break period will not be admissible under the Policy.
iii. For renewals received after completion of 30 days grace period, a fresh application of health insurance should be
submitted to Us, it would be processed as per a new business proposal.
iv. For dependent children, Policy is renewable up to 35 years. After the completion of maximum renewal age of
dependent children, the policy would be renewed for lifetime. However a Separate proposal form should be
submitted to us at the time of renewal with the insured member as proposer. Suitable credit of continuity/waiting
periods for all the previous policy years would be extended in the new policy, provided the policy has been
maintained without a break
v. Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval
from IRDAI.
vi. The loadings on renewals shall be in terms of increase or decrease in premiums offered for the entire portfolio and
shall not be based on any individual policy claim experience.
Premium Refund
Period in Risk Policy Period Policy Period Policy Period
1 Year 2 Year 3 Year
Within 15 Days As per Free look up period
Exceeding 15 days but less than 3 months 65.00% 75.00% 80.00%
Exceeding 3 months but less than 6 months 45.00% 65.00% 75.00%
Exceeding 6 months but less than 12 months 0.00% 45.00% 60.00%
Exceeding 12 months but less than 15 months 30.00% 50.00%
Exceeding 15 months but less than 18 months 20.00% 45.00%
Exceeding 18 months but less than 24 months 0.00% 30.00%
Exceeding 24 months but less than 27 months 20.00%
Exceeding 27 months but less than 30 months 15.00%
Exceeding 30 months but less than 36 months 0.00%
Note:
• The first slab of Number of days “within 15 days” in above table is applicable only in case of new business.
• In case of renewal policies, period is risk “Exceeding 15 days but less than 3 months” should be read as “within 3 months”.
Portability Conditions
a. Retail Policies: As per the Portability Guidelines issued by IRDAI, applicable benefits shall be passed on to insured
persons who were holding similar retail health insurance policies of other non-life insurers. The pre-policy medical
examination requirements and provisions for such cases shall remain similar to non-portable cases.
b. Group Policies: As per the Portability Guidelines issued by IRDAI, applicable benefits shall be passed on to insured
persons who were insured under Our Group Health Policy and are availing our individual Health Policy.
Migration of policy:
The insured can opt for migration of policy to our other similar or closely similar products at the time of renewal.
The premium will be charged as per Our Underwriting Policy for such chosen new product, and all the guidelines,
terms and condition of the chosen product shall be applicable.
Suitable credit of continuity/waiting periods for all the previous policy years would be extended in the new policy,
provided the policy has been maintained without a break
PREMIUM CHART
There are Two Zones for Premium payment
Zone A
“Following cities has been clubbed in Zone A:-
Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore,
Kolkata, Ahmedabad, Vadodara and Surat.
Zone B
Rest of India apart from Zone A cities are classified as Zone B.
Note:-
Policyholders paying Zone A premium rates can avail treatment allover India without any co-payment.
But, those, who pay zone B premium rates and avail treatment in Zone A city will have to pay 20% co-payment on
admissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.”
Policyholder residing in Zone B can choose to pay premium for Zone A and avail treatment all over India without
any co-payment.
Age / SI 50,000 75,000 1,00,000 1,50,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
0.3Mo-20 1,205 1,552 1,905 2,435 2,700 3,157 3,734 4,402 5,511
21-25 1,263 1,627 1,995 2,551 2,828 3,307 3,912 4,612 5,774
26-30 1,416 1,825 2,238 2,861 3,170 3,708 4,388 5,173 6,476
31-35 1,485 1,914 2,347 3,000 3,325 3,889 4,601 5,425 6,792
36-40 1,702 2,194 2,735 3,495 3,872 4,530 5,362 6,323 7,915
41-45 1,988 2,592 3,266 4,174 4,623 5,410 6,404 7,553 9,455
46-50 2,548 3,351 4,246 5,425 6,007 7,031 8,325 9,820 12,293
51-55 3,362 4,337 5,325 6,802 7,531 8,816 10,440 12,317 15,418
56-60 4,703 6,068 7,451 9,517 10,534 12,334 14,608 17,236 21,576
61-65 6,452 8,325 10,223 13,058 14,452 16,923 20,045 23,654 29,609
66-70 8,668 11,185 13,736 17,543 19,414 22,735 26,932 31,782 39,784
71-75 9,834 12,691 15,584 19,903 22,025 25,794 30,557 36,060 45,139
Above 75 11,234 14,497 17,803 22,736 25,159 29,464 34,906 41,194 51,565
Age / SI 50,000 75,000 1,00,000 1,50,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
0.3Mo-20 964 1,242 1,524 1,948 2,160 2,526 2,988 3,522 4,409
21-25 1,010 1,302 1,596 2,041 2,262 2,646 3,130 3,689 4,619
26-30 1,133 1,460 1,790 2,289 2,536 2,967 3,510 4,138 5,181
31-35 1,188 1,531 1,878 2,400 2,660 3,111 3,681 4,340 5,433
36-40 1,362 1,755 2,188 2,796 3,098 3,624 4,289 5,058 6,332
41-45 1,591 2,074 2,613 3,339 3,699 4,328 5,123 6,042 7,564
46-50 2,038 2,681 3,397 4,340 4,806 5,625 6,660 7,856 9,834
51-55 2,690 3,469 4,260 5,442 6,025 7,053 8,352 9,853 12,334
56-60 3,763 4,854 5,960 7,613 8,428 9,867 11,687 13,789 17,261
61-65 5,162 6,660 8,179 10,446 11,561 13,538 16,036 18,923 23,687
66-70 6,934 8,948 10,989 14,034 15,531 18,188 21,546 25,426 31,827
71-75 7,867 10,152 12,468 15,923 17,620 20,635 24,445 28,848 36,111
Above 75 8,987 11,597 14,242 18,189 20,127 23,572 27,925 32,955 41,252
1 Adult + 2 Children
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 5,536 6,473 7,657 9,026 11,300 4,428 5,178 6,126 7,221 9,040
26-30 5,766 6,743 7,977 9,404 11,772 4,613 5,394 6,382 7,523 9,418
31-35 5,870 6,864 8,121 9,573 11,985 4,696 5,492 6,497 7,659 9,588
36-40 6,238 7,296 8,632 10,177 12,740 4,990 5,837 6,906 8,142 10,192
41-45 6,830 7,989 9,453 11,146 13,953 5,464 6,391 7,563 8,917 11,163
46-50 8,077 9,450 11,185 13,190 16,512 6,462 7,560 8,948 10,552 13,210
51-55 9,437 11,043 13,072 15,417 19,299 7,549 8,834 10,458 12,334 15,440
56-60 12,435 14,555 17,233 20,328 25,447 9,948 11,644 13,786 16,263 20,358
61-65 16,875 19,756 23,396 27,603 34,553 13,500 15,805 18,717 22,082 27,642
66-70 22,170 25,958 30,745 36,277 45,410 17,736 20,766 24,596 29,021 36,328
71-75 25,109 29,405 34,835 41,109 51,458 20,087 23,524 27,868 32,887 41,167
Above 75 28,681 33,589 39,793 46,961 58,784 22,945 26,872 31,835 37,569 47,027
1 Adult + 3 Children
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 6,667 7,796 9,222 10,871 13,609 5,334 6,237 7,378 8,697 10,887
26-30 6,876 8,041 9,512 11,213 14,038 5,501 6,433 7,610 8,971 11,230
31-35 6,970 8,151 9,643 11,367 14,230 5,576 6,521 7,714 9,094 11,384
36-40 7,304 8,542 10,107 11,915 14,916 5,843 6,834 8,085 9,532 11,932
41-45 7,841 9,171 10,851 12,793 16,016 6,272 7,337 8,681 10,235 12,812
46-50 8,972 10,496 12,421 14,647 18,336 7,178 8,397 9,937 11,718 14,669
51-55 10,283 12,032 14,241 16,794 21,024 8,226 9,625 11,393 13,436 16,819
56-60 13,211 15,461 18,304 21,591 27,027 10,569 12,369 14,644 17,273 21,622
61-65 17,666 20,679 24,488 28,889 36,163 14,133 16,543 19,590 23,111 28,930
66-70 23,490 27,509 32,588 38,456 48,138 18,792 22,007 26,070 30,765 38,511
71-75 26,650 31,210 36,974 43,633 54,618 21,320 24,968 29,579 34,906 43,694
Above 75 30,442 35,652 42,237 49,845 62,394 24,354 28,522 33,789 39,876 49,915
1 Adult + 4 Children
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 7,811 9,133 10,804 12,735 15,943 6,248 7,307 8,643 10,188 12,755
26-30 8,007 9,363 11,076 13,057 16,346 6,405 7,491 8,861 10,446 13,077
31-35 8,095 9,467 11,199 13,202 16,527 6,476 7,573 8,959 10,561 13,222
36-40 8,409 9,834 11,635 13,716 17,171 6,727 7,868 9,308 10,973 13,736
41-45 8,913 10,425 12,334 14,541 18,204 7,130 8,340 9,867 11,633 14,563
46-50 9,976 11,670 13,809 16,283 20,384 7,981 9,336 11,048 13,026 16,307
51-55 11,208 13,112 15,519 18,300 22,909 8,966 10,490 12,415 14,640 18,327
56-60 14,031 16,420 19,438 22,926 28,699 11,225 13,136 15,550 18,341 22,960
61-65 18,501 21,661 25,658 30,277 37,899 14,801 17,329 20,526 24,221 30,319
66-70 24,849 29,100 34,473 40,681 50,923 19,880 23,280 27,579 32,545 40,738
71-75 28,192 33,016 39,113 46,157 57,778 22,554 26,413 31,290 36,926 46,222
Above 75 32,204 37,715 44,680 52,729 66,003 25,763 30,172 35,744 42,183 52,802
2 Adults
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 4,376 5,117 6,053 7,136 8,933 3,501 4,094 4,843 5,709 7,147
26-30 4,906 5,738 6,789 8,004 10,020 3,924 4,590 5,431 6,403 8,016
31-35 5,144 6,017 7,120 8,395 10,509 4,115 4,814 5,696 6,716 8,407
36-40 5,991 7,010 8,296 9,783 12,247 4,793 5,608 6,637 7,826 9,797
41-45 7,154 8,371 9,909 11,687 14,630 5,723 6,697 7,927 9,349 11,704
46-50 9,295 10,879 12,881 15,195 19,021 7,436 8,703 10,305 12,156 15,217
51-55 11,653 13,641 16,154 19,057 23,856 9,322 10,913 12,923 15,246 19,085
56-60 16,300 19,084 22,603 26,670 33,385 13,040 15,268 18,083 21,336 26,708
61-65 22,361 26,184 31,016 36,599 45,814 17,889 20,947 24,813 29,279 36,651
66-70 30,039 35,177 41,672 49,177 61,557 24,031 28,142 33,338 39,341 49,246
71-75 34,080 39,911 47,281 55,796 69,843 27,264 31,928 37,824 44,637 55,875
Above 75 38,929 45,590 54,011 63,740 79,786 31,143 36,472 43,209 50,992 63,829
2 Adults + 1 Child
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 5,612 6,563 7,764 9,152 11,457 4,490 5,250 6,211 7,321 9,166
26-30 6,072 7,102 8,402 9,905 12,400 4,858 5,681 6,722 7,924 9,920
31-35 6,279 7,344 8,689 10,244 12,825 5,023 5,875 6,952 8,196 10,260
36-40 7,015 8,206 9,711 11,450 14,333 5,612 6,565 7,768 9,160 11,467
41-45 8,110 9,489 11,230 13,244 16,579 6,488 7,591 8,984 10,595 13,263
46-50 10,199 11,936 14,130 16,666 20,862 8,159 9,548 11,304 13,333 16,690
51-55 12,350 14,455 17,115 20,189 25,272 9,880 11,564 13,692 16,151 20,218
56-60 17,256 20,202 23,925 28,227 35,334 13,805 16,162 19,140 22,581 28,267
61-65 23,448 27,455 32,518 38,370 48,030 18,758 21,964 26,015 30,696 38,424
66-70 31,398 36,769 43,557 51,401 64,342 25,118 29,415 34,846 41,121 51,474
71-75 35,621 41,716 49,420 58,320 73,003 28,497 33,373 39,536 46,656 58,402
Above 75 40,690 47,653 56,454 66,623 83,396 32,552 38,122 45,163 53,299 66,717
2 Adults + 2 Children
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 6,769 7,915 9,363 11,037 13,818 5,415 6,332 7,491 8,830 11,054
26-30 7,188 8,406 9,945 11,724 14,677 5,750 6,725 7,956 9,379 11,742
31-35 7,377 8,628 10,207 12,033 15,064 5,901 6,902 8,166 9,627 12,051
36-40 8,047 9,413 11,138 13,132 16,440 6,438 7,530 8,910 10,506 13,152
41-45 9,046 10,582 12,523 14,767 18,486 7,236 8,466 10,019 11,814 14,789
46-50 11,028 12,905 15,275 18,015 22,552 8,823 10,324 12,220 14,412 18,042
51-55 13,198 15,447 18,287 21,570 27,002 10,559 12,357 14,630 17,256 21,602
56-60 17,775 20,811 24,649 29,083 36,405 14,220 16,649 19,719 23,266 29,124
61-65 24,384 28,553 33,822 39,911 49,959 19,507 22,843 27,058 31,929 39,967
66-70 32,757 38,360 45,443 53,626 67,127 26,205 30,688 36,354 42,901 53,701
71-75 37,163 43,522 51,558 60,845 76,163 29,730 34,817 41,247 48,676 60,930
Above 75 42,451 49,715 58,898 69,507 87,005 33,961 39,772 47,118 55,606 69,604
2 Adults + 3 Children
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 7,912 9,252 10,945 12,902 16,151 6,330 7,402 8,756 10,321 12,921
26-30 8,306 9,714 11,492 13,547 16,959 6,645 7,771 9,193 10,838 13,567
31-35 8,483 9,921 11,738 13,837 17,323 6,787 7,937 9,390 11,070 13,858
36-40 9,113 10,659 12,612 14,870 18,615 7,291 8,528 10,090 11,896 14,892
41-45 10,051 11,758 13,914 16,406 20,538 8,041 9,406 11,131 13,125 16,430
46-50 11,914 13,940 16,499 19,457 24,357 9,531 11,152 13,199 15,566 19,486
51-55 14,027 16,414 19,431 22,918 28,689 11,221 13,131 15,545 18,334 22,951
56-60 18,514 21,675 25,671 30,290 37,916 14,811 17,340 20,537 24,232 30,333
61-65 25,396 29,738 35,226 41,567 52,032 20,317 23,790 28,181 33,253 41,625
66-70 34,116 39,952 47,328 55,851 69,912 27,292 31,961 37,862 44,681 55,929
71-75 38,705 45,327 53,697 63,369 79,322 30,964 36,262 42,958 50,695 63,458
Above 75 44,212 51,778 61,341 72,391 90,615 35,370 41,422 49,073 57,912 72,492
2 Adults + 4 Children
Zone A Zone B
Age / SI
2,00,000 3,00,000 4,00,000 5,00,000 10,00,000 2,00,000 3,00,000 4,00,000 5,00,000 10,00,000
18-25 9,069 10,604 12,544 14,787 18,512 7,255 8,484 10,035 11,830 14,809
26-30 9,446 11,047 13,068 15,405 19,286 7,557 8,837 10,455 12,324 15,428
31-35 9,616 11,246 13,304 15,684 19,634 7,693 8,996 10,643 12,547 15,707
36-40 10,219 11,953 14,142 16,672 20,872 8,176 9,562 11,313 13,338 16,697
41-45 11,118 13,005 15,389 18,144 22,714 8,894 10,404 12,311 14,515 18,171
46-50 12,903 15,096 17,866 21,068 26,374 10,322 12,077 14,293 16,854 21,099
51-55 14,927 17,466 20,675 24,384 30,524 11,941 13,973 16,540 19,507 24,419
56-60 19,297 22,586 26,741 31,543 39,486 15,438 18,068 21,393 25,234 31,589
61-65 26,408 30,923 36,629 43,222 54,104 21,126 24,738 29,303 34,578 43,283
66-70 35,475 41,543 49,213 58,076 72,697 28,380 33,234 39,370 46,461 58,157
71-75 40,247 47,133 55,836 65,893 82,482 32,197 37,706 44,669 52,715 65,986
Above 75 45,973 53,840 63,784 75,274 94,225 36,778 43,072 51,028 60,219 75,380
Claim Process
Cashless Claims Procedure:
Cashless treatment is only available at Network Hospitals. In order to avail of cashless treatment, the following
procedure must be followed by You or Your representative:
i. Prior to taking treatment and/or incurring Medical Expenses at a Network Hospital, You must call Us and
request pre-authorisation by way of the written form.
ii. In case of Planned hospitalization , You/the insured person/ insured representative shall intimate such
admission within 48 hours of such hospitalisation
iii. In case of Emergency hospitalization , You/the insured person/ insured representative shall intimate such
admission within 24 hours of such hospitalisation
iv. On receipt of your pre-authorization form duly filled and signed by you, our representative then within 2 hours
will respond with Approval, Rejection or an more information
v. After considering Your request and after obtaining any further information or documentation We have
sought, We may, if satisfied, send You or the Network Hospital, an authorisation letter. The authorisation letter,
the ID card issued to You along with this Policy and any other information or documentation that We have
specified must be produced to the Network Hospital identified in the pre-authorization letter at the time of
Your admission to the same.
vi. If the procedure above is followed, You will not be required to directly pay for the bill amount in the Network
Hospital that We are liable under In-Patient Hospitalisation Treatment and the original bills and evidence of
treatment in respect of the same shall be left with the Network Hospital. Pre-authorisation does not guarantee
that all costs and expenses will be covered. We reserve the right to review each claim for Medical Expenses and
accordingly coverage will be determined according to the terms and conditions of this Policy.
*Note: In case You are claiming for the same event under an indemnity based policy of another insurer and are
required to submit the original documents related to Your treatment with that particular insurer, then You may
provide Us with the attested Xerox copies of such documents along with a declaration from the particular insurer
specifying the availability of the original copies of the specified treatment documents with it.
**Note: Waiver of conditions (i) and (vi) may be considered in extreme cases of hardship where it is proved to Our
satisfaction that under the circumstances in which You were placed, it was not possible for You or any other person
to give notice or file claim within the prescribed time limit.
Paying a Claim
i. You agree that We need only make payment when You or someone claiming on Your behalf has provided Us with
necessary documentation and information.
ii. We will make payment to You or Your Nominee. If there is no Nominee and You are incapacitated or deceased, We
will pay Your heir, executor or validly appointed legal representative and any payment We make in this way will be a
complete and final discharge of Our liability to make payment.
iii. On receipt of all the documents and on being satisfied with regard to the admissibility of the claim as per policy
terms and conditions, we shall offer a settlement of the claim to the insured. Upon acceptance of an offer of
settlement by the insured, the payment of the amount due shall be made within 7 days from the date of
acceptance of the offer by the insured. We will settle the claim within thirty (30) days of the receipt of the last
Contact:
Health Administration Team,
Bajaj Allianz General Insurance Co. Ltd. 2nd floor, Bajaj Finserv Building, Behind Weikfield IT Park, Off Nagar Road,Viman
Nagar-Pune - 411 014.
For sales and Renewal-1800- 209- 0144 • For service-1800- 209- 5858 / 1800- 102- 5858 / 020-30305858
Cashless facility offered through network hospitals of Bajaj Allianz only.Cashless facility at 5500+ Network hospitals
PAN India. Please visit our website for list of network hospitals and network Diagnostic Centers , Website:
www.bajajallianz.com or get in touch with 24*7 helpline number: 1800-103-2529 (toll free) / 020-30305858
Section 41 of Insurance Act 1938 as amended by Insurance Laws Amendment Act, 2015 (Prohibition of
Rebates): No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate
of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any
person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in
accordance with the published prospectuses or tables of the insurers. Any person making default in complying
with the provision of this section shall be liable for a penalty which may extend to 10 lakh rupees.
Disclaimer: The above information is only indicative in nature and for more details on the coverage, terms and
exclusions, please get in touch with nearest office of Bajaj Allianz General Insurance Co. Ltd.
www.bajajallianz.com
For more details on risk factors, Terms and Conditions, please read the sales
brochure before concluding a sale.
BJAZ-B-0263/18-Feb-19
Policy holders can download Insurance Wallet for one -touch access Available on: