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Get additional protection against diseases carried by mosquitoes with the M-Care health policy.
According to a May 2024 report by The New Indian Express, a sudden rise in vector-borne diseases like Malaria is anticipated, prompting a warning from India's health department.
Many people in suburban and metropolitan regions have suffered from such diseases, which can deplete their savings. These diseases can also lead to severe health complications and significant financial strain. Therefore, it is crucial to address these risks proactively.
As per data, these are some of the most common vector-borne diseases (specifically carried by mosquitoes):
The Bajaj General M-Care health policy offers essential coverage to protect you from mosquito-borne vector diseases. Unfortunately, contracting vector-borne diseases like Malaria, Kala-azar, Chikungunya, or Dengue fever can lead to significant treatment costs. Therefore, purchasing a health policy like the M-Care plan from Bajaj General is a wise decision, especially to safeguard yourself during the monsoon season.
The policy pays out lump sum benefits (as per specified limits) upon diagnosis of a vector-borne disease during the policy period. It's more than a basic health plan; it provides comprehensive coverage against future risks from mosquito-borne diseases.
To learn more about the Bajaj General M-Care health plan, continue reading this page.
| PLAN DETAILS |
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M Care Policy |
Galaxy Twin 360 |
| Product Type | Critical Illness Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | 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) |
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 | COVERED |
| Hospital_network (Number of Hospital Network in city) |
18400 | 3216 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | COVERED |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | COVERED |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | COVERED |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | COVERED |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | COVERED |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | 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) |
Optional | NOT COVERED |
| Plan Entry Age | Day 1 to 65 years | Adult: 18 years Children: 90 days to 18 years |
| Plan Premium Entry Age and S/A | 5,426 | Upto Rs. 35 lakh |
| Plan Waiting Period | 15 | 30 days |
| Plan Coverage | Lump sum payout upon diagnosis of covered vector-borne diseases. | Room rent, Road ambulance, ICU, Daycare procedures, AYUSH treatment |
| Plan Sample Premium | 5,426 | 6,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3/4/5 years |
| ICU Charges | Covered | COVERED |
| Covid-19 Treatment | Covered | NOT COVERED |
| Cataract | Covered | COVERED |
| Automatic Restoration | Covered | COVERED |
| Ayush Treatment | Covered | COVERED |
| Modern Treatment | Covered | COVERED |
| E Consultation | Covered | COVERED |
| Air Ambulance | Not Covered | NOT COVERED |
| Global Coverage | Not Covered | NOT COVERED |
| Claim Ratio | 99.23 | 98.9 |
| Solvency Ratio | 3.25 | 4.70 |
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