Network hospitals
18400+
Incurred claim ratio
93.54%
Sum insured
Up to 25 Cr
No. of Plans
1
Solvency Ratio
3.6
Pan India Presence
1100+
Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insured individuals to curate the health insurance benefits and components suitable for their family's needs and requirements.
The USPs of My Health Care Plan by Bajaj Allianz are
Bajaj Allianz My Health Care Plan offers a wide range of sum insured options between 3 Lakhs to 5 Crores making the plan highly versatile, including multiple features and optional benefits. The plan is available as an individual and family floater plan and can be purchased for a policy term of up to 3 years.
To understand more about how the insurance plan fits your family's requirements read more.
To understand My Health Care Plan Insurance in detail, take a look at the below table:
18 to 65 Years
Individual and Family Health Insurance
7.5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr | 2 Cr | 3 Cr | 4 Cr | 5 Cr
30 Days Days
Lifetime
1 | 2 | 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, My Health Care Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
The plan offers a plethora of benefits and features to the insured individual when purchasing the plan. We have listed below a few:
In case an insured individual is hospitalized on the advice of a medical practitioner due to critical illnesses listed in the policy or due to accidental bodily injuries during the cover period, then the sum insured for such major illnesses or injuries would be increased maximum of up to 2 times of 'inpatient hospitalization treatment' sum insured.
Bajaj Allianz Health Insurance
Bajaj Allianz Health Insurance Plans 2024
Bajaj Allianz Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Bajaj Allianz Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
For a better understanding of how much premium you need to pay under the My Health Care Insurance, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:
Sum Insured (Rs.) | 5 L | 10 L | 20 L | 30 L | 50 L |
Premium Payable | 15,180 | 18,684 | 23,911 | 26,425 | 30,811 |
Sum Insured (Rs.) | 5 L | 10 L | 20 L | 30 L | 50 L |
Premium Payable | 17,431 | 21,437 | 27,440 | 30,331 | 35,343 |
Sum Insured (Rs.) | 5 L | 10 L | 20 L | 30 L | 50 L |
Premium Payable | 21,068 | 25,885 | 33,149 | 36,644 | 42,670 |
Permanent diseases or health conditions that are not included under the Bajaj Allianz Health Care Plan are:
Obesity and Weight Management
Cosmetic or Plastic Surgeries
Change of Gender Treatments
Sterility and Infertility Treatments
Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
Bajaj Allianz My Health Care Plan is a versatile health plan offering 360-degree protection to customers. On purchasing the health plan you can opt to cover family members along with yourself.
With a plethora of benefits and features, it is an ideal healthcare plan for people who want a highly customizable plan.
With multiple optional covers like loss of income, international medical care, and major illness and accident coverage Bajaj Allianz My health plan provides efficient protection for you and your loved ones.
To cater to the different medical needs of an individual & their family, Bajaj Allianz Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Bajaj Allianz Health Insurance plans explore more:
Accident Health Insurance
Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, perm...
Unique Features
Individual and Family Health Insurance
Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insu...
Unique Features
Individual and Family Health Insurance
Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medic...
Unique Features
Individual and Family Health Insurance
Bajaj Allianz Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...
Unique Features
Individual and Family Health Insurance
We all want to give the best facilities to our families and their sound health is of supreme importance to us; hence, we want to be the best regarding...
Unique Features
Individual and Family Health Insurance
Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...
Unique Features
Individual and Family Health Insurance
Health Care Supreme is a comprehensive health care plan offered by Bajaj Allianz Health Insurance that provides lifetime coverage against the medical ...
Unique Features
Individual and Family Health Insurance
Bajaj Allianz Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses ...
Unique Features
Individual
Bajaj Allianz Health Infinity Plan is a unique health insurance plan. Bajaj Allianz Health Infinity Plan has been designed to give policyholders unlim...
Unique Features
Accident Health Insurance
Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and en...
Unique Features
Individual and Family Health Insurance
A versatile policy covering every family member. Bajaj Allianz Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Av...
Unique Features
Accident Health Insurance
Bajaj Allianz Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj Allianz's P...
Unique Features
Senior Citizen Health Insurance
Bajaj Allianz Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insurance plan or j...
Unique Features
Top Up and Super Top Up
Bajaj Allianz Extra Care Plus is a super top-up plan launched by Bajaj Allianz that covers all your medical expenses. Bajaj Allianz Extra Care Plus is...
Unique Features
Individual
Bajaj Allianz Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...
Unique Features
The eligibility criteria for the Bajaj Allianz My Health Care Plan are 18 to 65 years for adults, meanwhile, dependent children can be covered from 3 months to 30 years
The various sum insured options available under the My Health Care Plan by Bajaj Allianz range between INR 3 Lakhs to 5 Crores
Yes, maternity coverage is available under the My Care Health Plan by Bajaj Allianz.
Yes, all the premiums paid towards the Bajaj Allianz My Health Care Plan are eligible for tax benefits as per the Income Tax Act of India.
There are various optional coverages offered by Bajaj Allianz My Health Care Plan: Loss of Income Cover International Cover - Emergency Care Only Major Illness and Accident Multiplier
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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