Maternity Care

Pregnancy is an extremely important period for parents, especially mothers. Throughout this period, the mother is subjected to a variety of medical tests, some of which are very costly and take a financial toll on the parents. Having a medical insurance plan which helps with planning in detail the pregnancy-related tests and consultations in a cost-effective way can act as a financial saviour.

The Maternity Care plan by Bajaj Finserv helps in reducing the money spent on lab tests, doctor consultations and provides premium network discounts.

Maternity Care	Trimester I	Trimester II	Trimester III	Membership fee
Lab Test Package (Prime Network)	No. of tests	No. of tests	No. of tests	Rs. 10,400
CBC	1	1	3
Blood grouping and Rh typing	1	-	-
Blood Sugar - Fasting	1	1	3
Urine Routine	1	1	3
HBs Ag	1	-	-
VDRL	1	-	-
Anti-HIV 1 & 2	1	-	-
Rubella (IgG, IgM)	1	-	-
OGTT (Oral Glucose Tolerance Test)	1	-	-
Tetanus injection	Once: After 20 weeks	Once: After 30 weeks	-
Ultrasound	2 times: 1 normal 2nd-Dual marker at 12 weeks	Once: Triple marker at 16-20 weeks	3 times: Quadruple marker every month
OPD / Doctor Consultation Benefit (Open Market)	Benefits up to Rs.6,600
Gynaecologist Benefit	2 consultations: 1st consultation at 8 weeks 2nd consultation at 12 weeks	3 consultations: 1 consultation each month	6 consultations: 1st consultation in the 7th month 2nd consultation in the 8th month 1 consultation every week in the 9th month
Network discounts (Prime Network)	- 10% Discount on Pharmacy - 10% Discount on Doctor Consultation - 10% Discount on lab & radiology - 10% Discount on health plans & packages - 5% Discount on IPD room rent - 10% Discount on Dental Procedures - 10% Discount on Spectacles - Free Ambulance for IPD admissions

Exclusions Under Lab Test Package

• Lab test package cannot be availed outside the Bajaj Finserv Health Prime network
• Home collection facility will be available only at selected locations. For locations where home sample collection is not available, the customer will have to physically go and take the tests.
• Entire Lab test package will have to be utilised at one instance by any adult included in the policy. The benefit is not transferrable to any other member
• No carry forward of any un-availed benefit is allowed, even on re-purchase/renew of the policy after 1 year
• Benefit is not redeemable against cash

Exclusions Under OPD/Doctor Consultation Benefit

• Reimbursements will not be made for any medical procedures undertaken
• Benefit is not transferrable to anyone else, even to family members if not covered under the policy
• No carry forward of any un-availed benefit is allowed, even on re-purchase of benefit after the expiry of 1 year
• Benefit is not redeemable against cash
• Doctor consultation benefit cannot be clubbed with any other benefit

Exclusions To Availing Network Discounts

• Network Discounts cannot be clubbed with any other benefits
• Network discounts cannot be utilized outside the Bajaj Finserv Health Prime network

Doctor Consultation Benefit/Lab and Radiology Benefit

The reimbursement claims for doctor consultations or lab and radiology benefits can be raised in the following three ways:

• Bajaj Finserv Health App

• Download the Bajaj Finserv Health app
• Sign-up using the registered mobile number
• Under my ‘Health Plans’, select the purchased plan
• Select ‘Doctor Consultation’ or ‘Lab & Radiology Benefit’, as per your choice
• Enter the necessary details and upload the invoice
• Share bank account details and upload a cancelled cheque
• Submit the claim
• The claim will be reimbursed within 48 working hours directly into your bank account

 

• Bajaj Finserv Health Website

• Sign-up on the Bajaj Finserv Health website
• Under my ‘Health Plans’, select the purchased plan
• Select ‘Doctor Consultation’ or ‘Lab & Radiology Benefit’, as per your choice
• Enter the necessary details and upload the invoice
• Share bank account details and upload a cancelled cheque
• Submit the claim
• The claim will be reimbursed within 48 working hours directly into your bank account

 

• Emailing to Customer Service

• Email to customercare@bajajfinservhealth.in
• Attach a scanned copy of the invoice with all the details visible
• Mention details like hospital/lab name, patient name, and bill amount
• Share bank details (account number, bank name, IFSC, primary account holder’s name) and upload a cancelled cheque
• The claim will be reimbursed within 48 hours directly into your bank account

 

Tele-consultation Benefit

You can raise and avail of the benefit of cashless claims or teleconsultation, by following any of the two methods listed below:

• Bajaj Finserv Health App

• Download the Bajaj Finserv Health app
• Sign-up using the registered mobile number
• Under ‘My Health Plans’, select the purchased plan
• Select the ‘Teleconsultation benefit’ option
• Select the doctor of choice from the list of doctors
• Select the date and time of choice
• Submit
• The customer will receive the link to join the call, 15 mins before the consultation
• The doctor will join the call on the scheduled day and time

 

• Bajaj Finserv Health Website

• Start by visiting bajajfinservhealth.in website
• Sign-up using the registered mobile number
• Under my “Health Plans”, select the Purchased plan
• Select the ‘Tele-consultation benefit’ option
• Select the doctor of choice from the list of doctors
• Select the date and time of choice
• Submit
• The customer will receive the link to join the call 15 mins before the consultation
• The doctor will join the call on the scheduled day and time

 

Lab Test Package (Prime Network Only)

You can avail of the cashless claims for the lab test package, in the following ways:

• Bajaj Finserv Health App

• Download the Bajaj Finserv Health app
• Sign-up using the registered mobile number
• Under ‘My Health Plans’, select the purchased plan
• Select the ‘Lab test package benefit’ option
• Select the hospital/lab of your choice
• Enter the date of redemption and confirm
• An SMS with the voucher link will be shared on the registered mobile number. Share the voucher code to reap cashless lab test package benefits

 

• Bajaj Finserv Health Website

• Start by visiting bajajfinservhealth.in website
• Sign-up using the registered mobile number
• Under ‘My Health Plans’, select the purchased plan
• Select the ‘Lab test package benefit’ option
• Select the hospital/lab of your choice
• Enter the date of redemption and confirm
• An SMS with the voucher link will be shared on the registered mobile number. Share the voucher code to reap cashless lab test package benefits

 

• Emailing to Customer Service

• Send an email tocustomercare@bajajfinservhealth.in
• Mention details like hospital/lab name, customer name, and date
• The customer care executive will call to confirm the customer’s identity using OTP
• SMS with voucher link shared on the registered mobile number
• An SMS with the voucher link will be shared on the registered mobile number. Share the voucher code to reap cashless lab test package benefits

 

Network Discounts

Bajaj Finserv Health Prime Network offers discounts on healthcare services, which can be availed in the following ways: 

• Visit the healthcare services offered by any hospital/lab, which is a part of the Bajaj Finserv Health Prime Network
• Mention the benefit requested on the network, along with your registered mobile number to the billing executive
• You’ll receive an OTP, which needs to be shared with the executive. 
• On sharing the OTP, you can avail of up to 10% discounts on select services at the hospital/network under the Bajaj Finserv Health Prime Network.

Frequently asked questions about Pre-Employment Health Check-up

What is a pre-employment health check?

A pre-employment health check-up is an essential part of the employee benefit of any organisation. This gives assurance and informs the company about the health status and welfare of the newly appointed employee at the organisation. This significantly checks the comprehensive health condition of every person. As a result, employers may have to step in for the betterment of the business.

This pre-medical examination is productive for both employers and employees. The primary motive of conducting a pre-employment medical test is to ensure that the newly hired candidate is free of any medical condition that could harm other employees at the organisation. Furthermore, it establishes a record of baseline health, depending on which the upcoming health condition of the employee can be compared.

What does a pre-employment health screening consist of?

Some specific pre-employment medical check-ups depend on factors like geographic location and job responsibilities. Here are some of the pre-employment check-ups, including:

• Drug and alcohol test
• Routine physical examination
• Heart health test
• Physical ability test
• Blood pressure and pulse check
• Chest X-ray
• Urinalysis

However, the health check-up conducted by the organisations must comply with certain legal guidelines at the state, national and sometimes regional level.

Is pre-employment medical check-up compulsory?

As per the Factories Act, 1948, the Indian Government has made it mandatory for industrial endeavours to perform pre-employment health check-ups for all the contractual and permanent employees working in manufacturing industries. These medical check-ups ensure the safety and health of employees. Furthermore, this pre-employment health check-up is also conducted in various organisations to maintain a safe and productive environment among employees.

Since these medical check-ups involve various lab tests and doctor’s consultations, individuals can choose the pre-employment health check-up plan extended by Bajaj Finserv Health Limited, which provides a wide range of discounts and benefits on the necessary medical check-up.

How long does the pre-employment medical test take?

Usually, a pre-employment health check-up may take 15-90 minutes based on the test and assessments category. Moreover, it also depends on the number of medical tests and the diagnostic centre where it would happen.

What are the five basics of pre-employment medical?

The five basics pre-employment medical tests conducted by the organisation are:

• Urinalysis
• Complete blood count
• Chest X-ray
• Fecalysis
• Complete physical examination

Individuals can bear the expense of these medical tests by choosing the pre-employment medical check-up package offered by Bajaj Finserv. The network discounts are applicable at Bajaj Finserv Health Prime Network. The customer can use these discounts multiple times with no limit on the maximum amount.

In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.

Disclaimer - Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.