Care Supreme Plan
  • Cover 15 Critical illnesses
  • Preventive Health check-up
  • Long Term Policy

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Bajaj Allianz Health Care Supreme Plan

Bajaj Allianz Health Care Supreme is a comprehensive health care plan offered by Bajaj Allianz Health Insurance that provides lifetime coverage against the medical expenses incurred on treatment and will help you enjoy your life without worrying about medical expenses. The plan lets you choose the sum insured as per your needs and requirements. It provides insurance coverage against all medical issues and covers your whole family including parents, children, and other family members.

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

Key Features of Health Care Supreme Plan

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

  1. Ambulance Cover

    The insured gets coverage for ambulance expenses in case of any health emergency.

  2. Maternity Cover

    This health insurance policy also provides maternity coverage to the insured or any family member of the proposer covered under an individual or family floater plan.

  3. 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 are managed by the health insurance company based on the sum insured option chosen by the policyholder.

  4. 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.

  5. Pre and Post Hospitalization Cover

    All the expenses incurred between 60 days before and after 90 days of the hospitalization gets coverage from the health insurance company. The facilities provided are based on the sum insured option chosen by the policyholder.

  6. Ayurvedic And Homeopathic Treatment

    The Health Care Supreme Plan has a provision for coverage of expenses incurred in Ayurvedic or homoeopathic treatment subjected to the condition that the treatment requires hospitalization for more than 24 hours.

  7. 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.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. Pre-existing Diseases Waiting Period

    Insured needs to serve a waiting period of 24 months in the case of pre-existing diseases.

  14. 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.

  15. Preventive Health Check-up

    This plan provides free health check-ups annually at our empanelled hospitals or diagnostic centres. This benefit can be availed by all members under an individual sum insured plans, whereas, under family floater plans, this can be availed by Proposer & Spouse.

List of tests for males >25 years List of tests for females >25 years List of tests for age 5-25 years
Complete Medical Report
CBC
Serum Creatinine
ECG
Serum Cholesterol
Ultra Sonography Abdomen & Pelvis
Complete Medical Report
CBC
FBS
Serum Creatinine
ECG
PAP smear
Serum Cholesterol
Ultra Sonography Abdomen & Pelvis
Complete Medical Report
CBC
Chest X-ray
Blood Group
Urine test

**Last Updated on 26-04-2021

Eligibility of Health Care Supreme Plan

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

Criteria Details
Minimum Entry Age 91 Days
Maximum Entry Age Lifetime entry for medical expenses and 65 Years for add-on covers.
Maximum Entry Age For Dependent Children 25 years
Policy Term 1 Year
Sum Insured Limit Rs. 5 Lakhs - Rs. 50 Lakhs
Renewability Lifelong
Members Covered (Individual Plan) Self, Spouse, dependent children, and dependent parents
Members Covered (Family Floater Plan) Self, spouse, and children are 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.

**Last Updated on 26-04-2021

Benefits/Coverage under Bajaj Allianz Health Care Supreme Plan

  1. 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.

  2. Daycare Procedures

    The daycare procedure expense is covered under the policy.

  3. Individual and Family Floater option

    The plan has both individual and family floater benefits available for the easy service of the policy buyers.

  4. 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.

  5. Room Rent Cover

    Room rent coverage is available under the Bajaj Allianz Health Care Supreme Policy without any restrictions.

  6. 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.

  7. 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 to the same is available in the Bajaj Allianz health insurance plan brochure.
  8. Tax Benefit

    Under the tax benefit, the insured can save up to Rs. 1 Lakhs under section 80D of the income tax act.

Sample Rates of Premium - Vital, Smart, and Ultimo

Sample Rates of Premium - Vital Plan

This table illustrates the Premium Rates of Health Care Supreme Vital Plan payable by individuals of different ages and at different sum insured amounts. Though this plan is available offline we have arranged the sample premium rates of this policy for your quick understanding.

Premium Rates - Males
Age 5,00,000 8,00,000 10,00,000
30 years 10,915 13,045 14,555
35 years 11,590 13,810 15,315
40 years 12,090 14,535 16,050
45 years 14,880 17,715 19,345
50 years 19,600 23,115 25,110

**Last Updated on 26-04-2021

Let's explore the graph for better understanding,

Premiums for Individual Sum Insured Policies - Vital

Premiums for Individual Sum Insured Policies - Vital

With the increase in age, the premium amounts increase. This varying premium amount depends on various factors such as medical history/condition, smoking habits, any pre-existed illnesses, lifestyle. This plan is available in three variants: Vital, Smart and Ultimo. Now you must be thinking about what plan variant to choose to lead a financially happy and healthy life? So, all three plans have different sum insured options such as Vital plan has 5 lakh, 8 lakh, and 10 lakh whereas the Smart plan offers a sum insured option from 15lakh-30 lakh. And, if you want to go for high sum insured, then opt for Ultimo plan that offers 35 lakh - 50lakhs sum insured options. For more details about the company, call on the toll-free number or visit the official website.

Sample Rates of Premium - Smart Plan

This table illustrates the premium amount payable by individuals at different ages of Sum Insured 25 Lakhs.

Age Premium Amount (in Rs.)
30 22,220
35 23,215
40 25,890
45 30,620
50 38,535

**Last Updated on 26-04-2021

Premiums for Individual Sum Insured Policies - Smart

Premiums for Individual Sum Insured Policies - Smart

Here, we have discussed the Smart and Vital plans of Health Supreme care which are the ideal plans. Now let's understand the premium amount payable by individuals under the Ultimo plan for Sum insured 50 lakhs.

Sample Rates of Premium - Ultimo Plan

Age Premium Amount (in Rs.)
30 32,115
35 32,695
40 33,475
45 38,550
50 50,325

**Last Updated on 26-04-2021

Premiums for Individual Sum Insured Policies - Ultimo

Premiums for Ultimo Individual Care Supreme plan

We have discussed the premium amounts of Individual sum insured. But this plan also offers family floater options. Let's see what is the difference between the premium amounts of the family floater and the Individual of Ultimo plan.

Premiums for Individual and Family Sum Insured Policies - Ultimo

Premiums for Individual and Family Sum Insured Policies - Ultimo

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 Plan Non-ICU Daily Cash ICU Daily Cash Sum Insured
Vital Plan Rs. 1,000 per day for 30 days Rs. 2,000 per day for 15 days Rs. 30,000
Smart Plan Rs. 2,000 per day for 30 days Rs. 4,000 per day for 15 days Rs. 60,000
Ultimate Plan Rs. 2,500 per day for 30 days Rs. 5,000 per day for 15 days Rs. 7,5000

**Last Updated on 26-04-2021

Daily Cash Limit for Family Floater Plan

Type of Plan Non-ICU Daily Cash ICU Daily Cash Sum Insured
Vital Plan Rs. 1,000 per day for 60 days Rs. 2,000 per day for 30 days Rs. 60,000
Smart Plan Rs. 2,000 per day for 60 days Rs. 4,000 per day for 30 days Rs. 1.2 Lakhs
Ultimate Plan Rs. 2,500 per day for 30 days Rs. 5,000 per day for 15 days Rs. 1.5 Lakhs

**Last Updated on 26-04-2021

List of 15 Critical Illness covered under Bajaj Allianz Health Care Supreme

  • 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 of specified severity
  • Bone marrow transplant
  • Multiple sclerosis
  • Neurological strokes
  • Aplastic anaemia
  • Primary pulmonary hypertension

Waiting Periods under Health Care Supreme Care

Waiting Periods 30 days 90 days 1 year 2 years
HospitalizationApplicableNot ApplicableThis is applicable for certain listed diseases such as cataract, hysterectomy, etc.This is applicable for pre-existing diseases, joint replacement, internal congenital diseases, surgeries, etc.
Pre and Post Hospitalization
Expenses on Road Ambulance
Air Ambulance
Day Care Expenses
Recovery Benefits
Reinstatement of Sum Insured
Expenses of AYUSH (Ayurvedic and Homeopathic treatments)
Expenses related to Physiotherapy Applicable
Outpatient Expenses Applicable Not Applicable Not Applicable
Newborn baby cover or Maternity Cover Applicable
Personal Accident Not Applicable
Critical illness Applicable Not Applicable

**Last Updated on 26-04-2021

Health Care Supreme Policy Exclusions

  • Injury due to acts of war, invasion, defence, 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.

Cancellation of Policy

Sometimes, when you are dissatisfied with the term and conditions and don't want to continue with your existing policy, Bajaj Allianz Health Care Supreme provides an option of cancellation. The policyholder may cancel this policy within 15 days of a written notice and in that case, the company shall refund the premium for the unexpired policy. The details are provided below:

Refund of Premium Amount
Risk Period Policy Period for 1 year Policy Period for 2 year Policy Period for 3 year
Within 15 days Condition of the free look period
>15 days but ≤ 1 month 75% 75% 80%
>1month ≤ 3 months 50% 75% 80%
>3 months ≤ 6 months 25% 65% 75%
>6 months ≤ 12 months 0 45% 60%
>12 months ≤ 15 months 0 30% 50%
>15 months ≤ 18 months 0 20% 45%
>18 months ≤ 24 months 0 0 30%
>24 months ≤ 27 months 0 0 20%
>27 months ≤ 30 months 0 0 15%
>30 months ≤ 36 months 0 0 0

**Last Updated on 26-04-2021

Bajaj Allianz Health Care Supreme Policy Review

The 15 Critical illness covered 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.

Bajaj Allianz Important Links


Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (28 Total Rating)

September 9, 2021

Mehak Dua

Belgaum

quick service. in fact the agent was very thorough with processing my documents...renewal was done swiftly

September 9, 2021

Kunal Deshmukh

Meerut

The help I receievd at bajal allianz was so good...i mean i went expecting not a lot but the discussion was amazing...also bought a plan for my children

September 9, 2021

Bhargav Dua

Indore

Really top class support received...i gave the agent a budget estimation and he provided me good plan options...Happy with my health plan!

September 9, 2021

Rishiraj Bharti

Mysore

the buying process was easy...really hoping claims will be as easy too when the time comes...overall happy

September 7, 2021

fardin

Pune

Didn t think much about insurance before. However my wife had a health plan from Bajaj which literally saved us from hospital bills. so grateful

Last updated on 26-04-2021

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