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:
Hospital Cash
Health-Guard
Critical Illness
Personal Accident
Education Grant
Householders Content
Travelling Baggage
Public Liability
The wide range of coverage provides not only financial security but also the 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.
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Bajaj Allianz Health Insurance
Bajaj Allianz Star Package Policy Eligibility Criteria
There are certain eligibility criteria and conditions that are supposed to be fulfilled by insured individuals before purchasing the Bajaj Allianz Star Package Policy which are mentioned below:
Child Entry Age
Minimum: 18 Years Children: 3 Months to 25 Years
Adult Entry Age
Maximum: 65 Years
Plan Type
Individual/ Family Floater
Policy Term
1/2/3 Years
Sum Insured
1.5 L | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 40 L | 45 L | 50 L | 75 L | 1 Cr
Initial Waiting Period*
30 Days
Bajaj Allianz Star Package Policy Benefits
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:
8 Benefit Sections
Under the Bajaj Star Package Insurance Policy, insured individuals can avail of 8 benefit sections spread across various aspects
of financial protection. The plan offers 360-degree protection by providing coverage for medical care, education, travel, public liabilities, personal accidents, and more.
Critical Illness Benefit
Bajaj Star Package Policy offers critical illness coverage Insurance to insured individuals. Critical illnesses covered under
the plan are Heart attack, Open Chest CABG, Stroke, Cancer, Kidney Failure, Organ Transplant, Multiple Sclerosis, Neurosurgery, Joint Replacement, and more.
Personal Accident
Bajaj Allianz Star Package covers personal accidents wherein, death due to accident, permanent total disability, permanent partial
disability, and temporary total disability are all covered. This benefit safeguards you and your family in the face of medical adversity.
Education Grant
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 in order to continue the education of the dependent child.
Wellness Benefit
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.
Choose Your Bajaj Allianz Star Package Policy
With the Bajaj Allianz Star Package Policy, you can opt for various sum insured options ranging between INR 2.5 Lakhs to 1 Crore. To understand the different plan variants and sum insured options available read the details below
Coverage for SI: 1.5 L - 1 Crore
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered Up to 60 Days
Post-Hospitalization
Covered Up to 90 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Applicable up to 100% of SI
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Covered
Limitations
Co-payment
Applicable, 10/20% optional
Sub-limits
Not Applicable
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, the room rent is covered up to 1% of SI.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, ICU charges are covered.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, pre-hospitalization is covered for up to 60 days.
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy covers medical expenses incurred during post-hospitalization for 90 Days.
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy does not cover domiciliary hospitalizations.
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy covers the expenses of all daycare procedures.
What are OPD charges?
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Bajaj Allianz Star Package Policy?
OPD charges are not covered under the Bajaj Allianz Star Package Policy.
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under Bajaj Allianz Star Package Policy?
Covid-19 Covered.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy covers Cataract Treatment with a Limit per eye of 20% of Sum Insured max up to Rs. 1 lakh.
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain
percentage that varies from plan to plan.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy offers a no-claim bonus of 10% of the sum insured for each claim-free year.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy does not offer automatic restoration.
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Bajaj Allianz Star Package Policy?
The Daily hospital cash is available under the Bajaj Allianz Star Package Policy.
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Bajaj Allianz Star Package Policy?
Under Bajaj Allianz Star Package Policy the organ donor expenses are covered.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, Maternity Cover is available.
For SI Rs. 3 lacs to Rs. 7.5 lacs maternity benefit is restricted to Rs. 15,000 for normal delivery and Rs. 25000 for cesarean section.
For SI Rs. 10 lacs to Rs. 50 lacs maternity benefit is restricted to Rs. 25,000 for normal delivery and Rs. 35000 for cesarean section.
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these
common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, the newborn baby cover is available.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, AYUSH treatment is covered.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, IVF is not available.
What is a Modern Treatment?
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, modern treatments are not covered.
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, ambulance cover is available up to Rs 20,000/- per policy year.
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, the air ambulance is not covered.
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, compassionate travel is not covered.
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, global coverage is not covered.
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, E-consultation is not covered.
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Bajaj Allianz Star Package Policy?
Under the Bajaj Allianz Star Package Policy, a health check-up is available at the end of a block of every continuous period of 3 policy years the plan will reimburse the amount equal to 1% of the sum insured max up to Rs. 2,000/- for
each member in Individual policy.
What is a Second Medical Opinion?
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 status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy does not cover the expenses for a second medical opinion.
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Bajaj Allianz Star Package Policy?
Bajaj Allianz Star Package Policy covers vaccination expenses.
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Bajaj Allianz Star Package Policy?
A voluntary 10/20 % co-pay is available under the Bajaj Allianz Star Package Policy applicable to Section 2. Health-Guard only.
What is the Sub limit?
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum
insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Bajaj Allianz Star Package Policy?
Sub-limits are not applicable.
Bajaj Allianz Health Insurance Network Hospital List
Bajaj Allianz Network Hospitals have a vast present PAN India. A well connected network of over 8000+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.
Bajaj Allianz Star Package Policy is a unique and feature-loaded health insurance plan, as it offers benefits like recharge benefits, super cumulative bonus, and personal accident coverage. Insurance plans usually cover one or two concerns for an
individual, however, this particular policy takes care of multiple healthcare concerns. Bajaj Allianz Star Package Policy is apt for individuals who are looking for health coverage for multiple concerns under a single health plan.
Explore other Bajaj Allianz Health Plans
Bajaj Allianz Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
A competitive plan with affordable premiums for your family, a perfect product to take care of medical expenses for you and your family in case of an unfortunate event.
Unique Features
Avail daycare procedures
Road ambulance coverage
Prosthetic cost covered
Bajaj Allianz Health Infinity (Pros)
In-patient hospitalization cover
Pre & post hospitalization
Spouse Cover
Global Coverage
Preventive health check-up
Bajaj Allianz Health Infinity (Cons)
No Sleep Apnea Coverage
No Dental Treatment
No Alcoholism Cover
Type2 Diabetes not covered
No Obesity/Weight Cover
Bajaj Allianz Health Infinity (Other Benefits)
Per Day Room Rent Benefit
Co-Pay Benefit
Tax Benefits
Cataract Cover
Alzheimer Cover
Bajaj Allianz Health Infinity (Eligibility Criteria)
A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.
It is a comprehensive senior citizen plan which includes a spouse . With High sum insured the plan offers critical illness cover,life time renewal and innovative packages.
Unique Features
Quick Disbursement
Global Expertise
In House Claim Administration
Silver Health Plan -Senior Citizens (Pros)
Pre-existing illness cover
Waiver of co-payment
Cumulative bonus
High entry age
Free health check-up
Silver Health Plan -Senior Citizens (Cons)
No Hernia Cover
No Piles Cover
No Cataract Cover
No Non -Allopathic Cover
No AIDS Cover
Silver Health Plan -Senior Citizens (Other Benefits)
Pre and post hospitalization
Ambulance cover
Customized Plans
Cashless Facility
Family Discount
Silver Health Plan -Senior Citizens (Eligibility Criteria)
Entry Age - 46 Years
Max Entry Age - 70 Years
SI - 50 Thousand to 50 Lakh
Waiting Period - 30 Days
Bajaj Allianz Individual Health Insurance
An inclusive plan with multiple SI options and 50% cumulative bonus.
Unique Features
Covers Homeopathic Treatment
Extended Family Cover
New Born Cover
Individual Health Insurance (Pros)
Recharge Benefit
Bariatric surgery cover
Maternity Cover
Daily cash benefit
Covers extended family
Individual Health Insurance (Cons)
No Alcoholism Cover
No War Injury Cover
No Dental Cover
No Cosmetic Surgery Cover
No STD Cover
Individual Health Insurance (Other Benefits)
Organ donor expenses
Ayurvedic Treatment Cover
SI Reinstatement
Ambulance Cover
Convalescence Benefit
Individual Health Insurance (Eligibility Criteria)
A super top-up health plan that provides additional coverage to the existing health insurance policy. The plan provides wider health protection to you and your family.
Unique Benefits
Air Ambulance cover
Avail maternity expense
Organ donor expenses covered
Bajaj Allianz Extra Care Plus (Pros)
Modern treatment Covered
Air Ambulance Cover
Maternity Benefit
Organ Donor Expenses
Free Medical Check-Up
Bajaj Allianz Extra Care Plus (Cons)
No New Born Baby Cover
No Dental Treatment
No Obesity Cover
STD not covered
No BMI Cover
Bajaj Allianz Extra Care Plus (Other Benefits)
Day Care Treatment Covered
ICU Covered
Specialist Doctor Cover
Post-hospitalisation expenses
Spouse and Child Cover
Bajaj Allianz Extra Care Plus (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 80 Years
SI - 3 L to 50 L
Waiting Period - 30 Days
Bajaj Allianz M care
The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.
Unique Features
Avail Lifetime Renewal
Coverage against Dengue
Avail family coverage
Bajaj Allianz M care (Pros)
Chikungunya Cover
Malaria Cover
Filariasis Cover
Kala Azar Cover
Pre & post hospitalisation
Bajaj Allianz M care (Cons)
No Global Coverage
No Dental Treatment
No Parkinson's Cover
HIV/AIDS not covered
No Obesity/Weight Cover
Bajaj Allianz M care (Other Benefits)
Zika Virus Cover
Japanese Encephalitis Cover
Dengue Fever Cover
Bariatric surgery cover
SI reinstatement benefit
Bajaj Allianz M care (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 25 Thousand to 75 Thousand
Waiting Period - 30 Days
Bajaj Allianz Saral Suraksha Bima
Saral Suraksha Bima offers a sum assured up to 1 Cr and offers optional covers for temporary Total Disablement and Hospitalisation Expenses due to Accident.
Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability
Unique Features
Covers children’s education
Avail cumulative bonus
Avail additional covers with plan
Bajaj Allianz Sankat Mochan
A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Unique Features
Avail cumulative bonus
Cover dependent children
Cover death and disability
Bajaj Allianz Women Specific Critical Illness
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.
Unique Features
Congenital Disability Benefit
Children Education Bonus
Avail various discounts
Bajaj Allianz Extra Care
Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family. It is a floater Policy with a single premium for the family.
Unique Features
Avail Modern Treatments
Avail Ambulance coverage
Avail discounts on policy terms
Bajaj Allianz Loan Care
A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.
Unique Features
Personal Accident Covered
EMI Payment Cover
Child education benefit available
Bajaj Allianz Global Health Care
This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.
Unique Features
USD 1,000,000 cover
Mental Illnesses covered
Air Ambulance covered
Bajaj Allianz Tax Gain Policy
A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.
A comprehensive plan that takes care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/ injury.
Unique Features
Upto 10lakh sum assured
Avail cumulative bonus
Day care procedures covered
Bajaj Allianz Hospital Cash Daily Allowance
Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.
Unique Features
Avail discounts
Flexible premium payment term
Avail family cover
Bajaj Allianz Family Health Care Policy
A group policy that takes care of you and your family and protects you from hospitalization expenses in case of any unfortunate incident.
Unique Features
Avail Daycare procedures
Hospital cash benefits
Modern treatment covered
Bajaj Allianz Star Package: FAQ's
1. What is Star Package Policy by Bajaj Allianz?
It is a family floater health insurance plan covering multiple sections such as critical illness, hospital cash, travel baggage, personal accident, and many more features under a single health insurance plan.
2. Can I cover my spouse under the Bajaj Allianz Star Package Policy?
Yes, you can cover family members under the Bajaj Allianz Star Package policy as it is designed for medical care coverage for families.
3. What are the eligibility criteria for the Bajaj Allianz Star Package Policy?
Star Package Policy by Bajaj Allianz has eligibility criteria between 18 to 65 years for adults, wherein dependent children can be covered from 3 months to 25 Years.
4. Is Maternity Cover included in the Bajaj Allianz Star Package Policy?
Yes, maternity cover is available under the Bajaj Allianz Star Package Policy.
5. Is co-pay applicable under the Bajaj Allianz Star Package Policy?
Yes, a 10% / 20% optional co-pay is available under the Health Guard benefit available.
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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