Health Care Supreme Plan
Bajaj Allianz Health Care Supreme Plan
  • Air Ambulance Cover
  • New Born Baby Cover
  • Tax Benefits Under Sec 80D
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Bajaj Allianz Health Care Supreme Plan

Bajaj Allianz Health Care Supreme is a comprehensive health care plan that provides its insured full coverage. The plan has varieties of the sum insured options and facilities for its policyholders. It provides insurance coverage against all medical issues.

Here are all the details relating to the plan mentioned for easy referral and understanding of the policy buyers.

Features of Health Care Supreme Plan

All the features of Bajaj Allianz Health Care Supreme have been elaborated below:

  • Ambulance Cover: The insured gets coverage for ambulance expenses in case of any health emergency.
  • Maternity Cover: This health insurance policy also provides maternity coverage to the insured or any family member of the proposer covered under individual or family floater plan.
  • Special Benefits: Under the special benefits of this health insurance policy, the insured is provided coverage for an organ donor. All the expenses related to the treatment of the organ donor is managed by the health insurance company based on the sum insured option chosen by the policyholder.
  • Air ambulance Cover: Coverage for air ambulance is provided to the insured in case of an emergency. Their coverage is subjected to the limits of the insured sum.
Bajaj Allianz Health Care Supreme Plan
  • Pre and Post Hospitalization Cover: All the expenses incurred between 60 days before and after 90 days the hospitalization gets coverage from the health insurance company. The facilities provided are based on the sum insured option chosen by the policyholder.
  • Ayurvedic And Homeopathic Treatment: The Health Care Supreme Plan has a provision for coverage of expenses incurred in Ayurvedic or homeopathic treatment subjected to the condition that the treatment requires hospitalization for more than 24 hours.
  • Cumulative Bonus: There is an increase in the limit of indemnity by 10% in case the insured has made no claims in a policy year. This benefit is added at the time of renewal of the policy. The maximum cumulative bonus can be for 5 years and or 50% of the sum insured.
    In case the insured claims while the cumulative bonus is on, then, in this case, the increased limit of indemnity is reduced by 10% under this health insurance policy.
  • Out-Patient Expenses Cover: The outpatient coverage under Health Care Supreme Policy includes expenses related to doctor consultation charges, medical tests, and investigation related to injury or diseases, dental procedures like root canal treatment, extractions, and consultations for psychiatric treatment, etc.
  • Sum Insured Reinstatement: This health insurance plan provides the facility of reinstatement of the sum insured, in case the insured has exhausted all of his benefits along with the insured sum amount limit.
  • Critical Illness Waiting Period: There is a waiting period of 90 days for critical illness. The insured can claim medical expenses related to critical diseases after serving the waiting period.
  • New Born Baby Cover: The newborn baby cover is subjected to validity if it is mentioned under the maternity cover. The child gets coverage for 90 days from the date of birth under the policy for medical expenses.
  • Free Look Period: The insured is provided a free look period of 15 days during which the insured can cancel the policy in case he is not satisfied with any of the terms and conditions of the policy.
  • Pre-existing Diseases Waiting Period: Insured needs to serve a waiting period of 24 months in the case of pre-existing diseases.
  • Grace Period: A grace period of 30 days is provided to the policyholder. In case the policyholder misses the deadline of policy renewal premium payment then he can pay the renewal premium within the grace period to prevent the policy from lapsing.

Eligibility for Health Care Supreme Plan

All the information relating eligibility have been mentioned below in the tabular form:

CriteriaDetails
Minimum Entry Age91 Days
Maximum Entry Age For AdultsLifetime entry for medical expenses and 65 Years for add on covers.
Maximum Entry Age For Dependent Children25 Years
Policy Term1 Year
Sum Insured LimitRs. 5 Lakhs to Rs. 50 Lakhs
RenewabilityLifetime
Members Covered (Individual Plan)Self, spouse, dependent children, and dependent parents
Members Covered (Family floater Plan)Self, spouse, and children a be covered under a family floater policy. In case the insured wants to insure dependent parents then the insured needs to take a separate family floater policy for parents.

Bajaj Allianz Health Care Supreme Plan Benefits/ Coverage

  • Hospitalization Expenses: Hospitalization expenses cover is provided in case of in-patient cover subjected to the condition that the hospitalization has been for more than 24 hours that too continuously. The coverage is provided based on the sum insured opted by the insured under the Bajaj Allianz Health Care Supreme Policy.
  • Daycare Procedures: The daycare procedure expense is covered under the policy.
  • Individual and Family Floater option: The plan has both individual and family floater benefits available for the easy service of the policy buyers.
  • Free Health Check-up: The insured can get a free health checkup every year after policy renewal irrespective of the number of claims made in that particular year.
  • Room Rent Cover: Room rents coverage is available under the Bajaj Allianz Health Care Supreme Policy without any restrictions.
  • Critical Illness Benefits: The policyholder gets coverage against 15 critical illnesses under the Bajaj Allianz Health care Supreme Plan. All insured having their sum insured between Rs 5 Lakhs to Rs 10 Lakhs are eligible to get the coverage under critical illness expenses.
    The moment the insured is diagnosed with a critical illness, he needs to intimate the insurance company and he would get a lump-sum amount of money as per the policy term.
  • Personal Accident cover: Under this, the insured gets coverage in case of death or disability due to an accidental injury.
    • Death of the insured: The nominee would get 100% of the sum insured.
    • Permanent disability due to an accident: The insured gets 200% of the sum insured.
    • Permanent partial disability due to accident: In this case, the insured is given a percentage compensation of the sum insured. A list relating the same is available in the Bajaj Allianz health insurance plan brochure.
  • Tax Benefit: Under the tax benefit, the insured can save up to Rs. 1 Lakhs under section 80D of the income tax act.

The List of 15 Critical Illnesses Gets Coverage:

  • Cancer of specified severity.
  • First heart attack
  • Kidney failure and dialysis
  • Alzheimer’s disease
  • Aorta surgery
  • Major burns
  • Parkinson’s disease
  • Liver failure-last stage
  • Lung disease-last stage
  • Coma od specified the severity
  • Bone marrow transplant
  • Multiple sclerosis
  • Neurological strokes
  • Aplastic anemia
  • Primary pulmonary hypertension

Sub-limits for Bajaj Allianz Health Care Supreme Plan

Daily cash is provided to the insured based on the type of plan and the sum insured opted by the insured. Here are all the details based on different types of plan and sum insured opted:

Daily Cash Limit for Individual Plan:

.
Type Of PlanNon-ICU Daily CashICU Daily CashSum Insured
Vital PlanRs. 1,000 per day for 30 daysRs. 2,000 per day for 15 daysRs. 30,000
Smart PlanRs. 2,000 per day for 30 daysRs. 4,000 per day for 15 daysRs. 60,000
Ultimate PlanRs. 2,500 per day for 30 daysRs. 5,000 per day for 15 daysRs. 7,5000

Daily Cash Limit for Family Floater Plan

Type Of PlanNon-ICU Daily CashICU Daily CashSum Insured
Vital PlanRs. 1,000 per day for 60 daysRs. 2,000 per day for 30 daysRs. 60,000
Smart PlanRs. 2,000 per day for 60 daysRs. 4,000 per day for 30 daysRs. 1.2 Lakhs
Ultimate PlanRs. 2,500 per day for 60 daysRs. 5,000 per day for 30 daysRs. 1.5 Lakhs

Health Care Supreme Policy Exclusions

  • Injury due to acts of war, invasion, defense, etc.
  • Any medical conditions caused due to HIV AIDs are exclusions to the policy.
  • Experimental, in-proven or non-standard treatments are not covered.
  • Congenital diseases.
  • Self-inflicted injury.
  • Suicidal cases are also not considered.
  • Any form of cosmetic surgery or plastic surgery is not covered.
  • Any infertility, subfertility, impotence, assisted conception operation or sterilization procedures are not covered.
  • Vitamins, tonics, nutritional supplements unless forming part of disease or injury does not get coverage.

Bajaj Allianz Health Care Supreme Policy Review

The 15 Critical illness coverage under the Bajaj Allianz Health care Supreme Plan has been highly appreciated by the policyholders. The comprehensive coverage under the individual and family floater plan of this health insurance policy has been preferably bought by the individuals. One should not have even a single percent of doubt while buying the plan.

FAQs

The maximum entry age for dependent children to be included in this family floater health insurance policy is 25 years.

Only self, spouse and dependent children can be included in the family floater plan. In case you want to insure your dependent parents then you can take a separate family floater plan.

Yes, diabetes is covered under the chronic management program.

Yes, a newly born baby is covered but only under maternity cover and it is for 90 days from the date of the birth.

The policy can be bought only for a 1-year policy term but you have the facility to renew it lifelong.

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Last updated on 23-12-2019