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 Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medical emergencies. The plan provides coverage for various health risks, education grants, household content, baggage during travel, and public liability.
Under the Bajaj Allianz Star Package Policy, insured individuals have the option to opt from the 8 coverage sections provided below out of which a minimum 3 must be selected.
The wide range of coverage provides financial security and flexibility to customize the health insurance plan as per your needs and requirements. With the health guard coverage insured individuals can avail of efficient medical care features like room rent, ICU expenses, wellness benefits, convalescence benefits, and more.
To understand Bajaj Allianz Star Package Insurance in detail, take a look at the below table:
18 to 65 Years
Individual and Family Health Insurance
1.5 L | 2 L | 3 L | 4 L | 5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 50 L | 75 L | 2 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, Bajaj Allianz Star Package 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
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
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
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Covered
Co-payment
Applicable
Sub-limits
Applicable
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.
Bajaj Allianz Star Package Policy offers a multitude of benefits and features to insured individuals allowing them to avail the full potential of the respective plan. To know more about the benefits involved read below:
In case of an accidental death or permanent total disability, the plan offers the sum insured would be payable to the dependent child of the insured individual. The sum insured would be used to continue the education of the dependent child.
Bajaj Allianz Star Package policy provides wellness program benefits within the health guard section of the plan. Insured policyholders are entitled to up to 10% health discounts and rewards on renewal considering they fulfill the tasks mentioned in the policy schedule.
Bajaj Allianz Health Insurance
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.
To better understand how much premium you need to pay under the Star Package, 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 | 15 L | 25 L | 50 L |
Premium Payable | 8,900 | 10,350 | 11,550 | 13,100 | 15,550 |
Sum Insured (Rs.) | 5 L | 10 L | 15 L | 25 L | 50 L |
Premium Payable | 14,250 | 16,600 | 18,450 | 20,950 | 24,850 |
Sum Insured (Rs.) | 5 L | 10 L | 15 L | 25 L | 50 L |
Premium Payable | 17,750 | 20,650 | 23,000 | 26,050 | 30,950 |
Permanent diseases or health conditions that are not included under the Bajaj Allianz Star Package are:
Obesity and weight management surgeries
Treatments due to substance abuse
Change of gender treatments
Sterility and infertility-related treatments
Cosmetic Surgeries
Coverage after Waiting Period
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
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...
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Bajaj Allianz Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...
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Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...
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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 ...
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Individual
Bajaj Allianz Health Infinity Plan is a unique health insurance plan. Bajaj Allianz Health Infinity Plan has been designed to give policyholders unlim...
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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...
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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...
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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...
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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...
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Individual
Bajaj Allianz Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...
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The Bajaj Star Package offers 8 plan options.
The maximum sum insured offered is 1 crore.
You can opt this policy for 1, 2, and 3 years.
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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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