Bajaj General HERizon Care

Overview

This plan allows HER to be in HERizon!

Bajaj General HERizon Care is a groundbreaking policy that addresses the holistic health and wellness of women. It is the first of its kind health plan which includes comprehensive coverage under three specific verticals: Vita Shield for critical illness, Cradle Care for surrogacy or oocyte donors, and Optional Cover for surgeries and egg freezing methods. This plan also extends coverage for legal expenses related to sexual assault, kidnapping, and acid attacks, a first of its kind in India!

Know more about this plan here.

Discounts

• Preventive health discount - 5%
• Family discount - 10% to 15%
• Early entry discount - 5%
• Loyalty discount - 5%
• Long-term policy discount - 4% to 11%
• Employee discount - 20%
• Online or direct business discount - 10%

Inclusions

• Vita Shield: Under Vita Shield, the plan offers protection against 34 different listed critical illnesses. Additionally, you can enhance coverage with optional extensions for further support, including: Child Education: To secure the education of your children in case you are diagnosed with any critical illness.
• Loss of Job: To mitigate financial instability caused due to employment loss in such cases of critical illness.
• Incidental Expenses: It offers financial assistance for necessary medical expenses like reconstructive surgery, physiotherapy, home nursing, post-surgical implants, and more.
• Holistic Wellness: This plan also takes care of your mental well-being and provides access to resources like community support, diet, and nutrition consultations.
• Cradle Care: Under Cradle Care, this plan supports women through their unique reproductive health journeys. It includes surrogate care, oocyte donors, and more. A range of optional covers includes: Nurture Nest Cover: For women aged between 21 to 45 years who opt for adoption or egg-freezing procedures.
• Motherhood Cover: Provides financial support for assisted reproductive technologies like IVF, ICSI, ZIFT, and more. It also covers maternity expenses, including pre and postnatal care.
• Fetal Flourish Cover: Provides health support for unborn babies, covering prenatal techniques, in-utero surgeries, and congenital disability treatment. A daily allowance is also available for the new mother.
• Prophylactic Surgeries: Procedures like mastectomy and hysterectomy are covered under this plan. Legal expense support for assault, kidnapping, and acid attacks is also covered under this plan.

Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Obesity and weight control treatment
• Congenital diseases
• Treatment for alcoholism, drug, or substance abuse
• Nurture Nest: After 24 Months
• Prophylactic Surgeries: After 24 Months
• Motherhood Cover: After 24 Months

Conclusion

The Bajaj General HERizon plan presents a compelling option for women seeking comprehensive health coverage tailored to their specific needs. Its strengths lie in its inclusive coverage for women-specific critical illnesses, maternity benefits including modern treatments like surrogacy and ART, and the flexibility to customize the plan with optional covers. The potential for premium discounts for healthy lifestyles adds further value. However, before buying the plan, it is advisable to consider its terms and conditions. Ultimately, a well-informed decision, based on a comprehensive understanding of both the advantages and limitations, will ensure that the HERizon plan provides robust financial security and peace of mind.

To learn more about this plan or understand its terms and conditions, you can consult experts at PolicyX.com. We aim to help you find the best health insurance plan for your needs.