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Bajaj Allianz Health Ensure is a health insurance policy that comes with comprehensive benefits at an affordable price. It is a perfect product to care for medical expenses for you and your family in case of unfortunate events of hospitalization for illness or injury.
The plan includes basic benefits like hospitalization cover, pre and post medical expenses, and additional features such as cumulative bonus and wellness discounts, making it a suitable option for those seeking simple and cost-effective health coverage.
Find out everything about the plan in this article, and make an informed purchase decision.
| PLAN DETAILS |
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Bajaj Health Ensure Plan |
National Corona Kavach Policy |
| Product Type | Individual and Family Health Insurance | COVID-19 Specific Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 3200 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Covered |
| Plan Entry Age | 18 Years to No Upper Age Limit | Min- Day 1, Max- 64 years |
| Plan Premium Entry Age and S/A | 7349 | 4000 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | In-patient hospitalization, pre & post hospitalization (30/60 days), daycare procedures, ambulance expenses, organ donor expenses, AYUSH treatment | In-patient COVID hospitalization expenses, Pre & post hospitalization expenses, AYUSH treatment coverage, Ambulance and ICU expenses |
| Plan Sample Premium | 7349 | 4000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 105 days, 195 days and 285 days |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 91.31 |
| Solvency Ratio | 3.25 | -0.67 |
|
Bajaj Health Insurance National Health Insurance |
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