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Asthma Care

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Asthma is a chronic inflammation of the lungs' airways. Effective asthma treatment necessitates regular symptom monitoring and prompt doctor visits, which will help you maintain better long-term asthma control, avoid asthma attacks, and avoid long-term Asthma care can be very costly. It can be a lifesaver to have a strategy in place that helps you escape the financial burden of treatment. Asthma Care Plan by EBH, includes a variety of incentives such as doctor consultations, lab and radiology testing, network discounts, and more. "Asthma Care" is an essential wellness plan that will assist you with taking control of your asthma treatment.

Plan Details

Here are the plan details of Asthma Care:

Asthma Care
Benefits Essential Classic
Lab test package (prime network) No. of tests Membership fee No. of tests Membership fee
Hemogram and ESR One
Rs. 2,399
Two
Rs. 4,099
Urine routine One One
Serum creatinine One One
Blood sugar-fasting One One
Lipid profile One One
SGPT, SGOT One One
AEC One Two
IgE One One
Platelets - One
PFT (spirometry) One Two
Chest x-ray One One
ECG One One
OPD/doctor consultation benefit
(Open market reimbursement)
Benefits up to Rs. 1800
Benefits up to Rs.3100
Pulmonologist, dietician and general physician
Teleconsultation benefit (Bajaj Finserv Health platform)
2 Consultations
3 consultations
General physician
Network discounts (prime network)
- 10% discounts on doctor consultation, lab tests, preventive health check-up, dental procedures, spectacle and pharmacy- 5% discount on in-patient department room rent- Free ambulance service on in-patient department admission

What's Covered

  • Money-in-bank

    Lab Test Package (Prime Network)

    It consists of a pre-defined set of tests aimed to identify and minimize risk factors in addition to detecting illnesses at an early stage.
    - Every policy year, you will have the option to undergo checkup for a pre-defined lab test package as per the plan chosen by the you.
    - Only adults listed under the policy are eligible to take the health care tests. The tests will only be available at Bajaj Finserv Health Prime partner hospitals and labs which are getting updated on a regular basis.

  • Money-in-bank

    OPD/Doctor Consultation Benefit

    Doctor consultation benefit refers and involves consultation with a doctor with a minimum degree of MBBS, BDS, BAMS, or BHMS up to the benefit amount mentioned under plan details. In case any specific doctor/medical speciality is offered under the plan,you can consult with doctor/specialist of that specific speciality. In case no speciality is mentioned, you can consult any doctor of your choice. Here are some of the benefits that you can avail.
    - Consult with a doctor of your choice subject to a minimum degree of MBBS, BDS, BAMS, and BHMS (allopathic, dental, homeopathic, and ayurvedic dental) as per the doctor speciality offered in the plan. Submit the invoice for reimbursement. The invoice should clearly state doctor consultation fees, doctor name and speciality, doctor registration number, date of consultation, doctor stamp, and customer details for reimbursement.  
    - This benefit can be availed by all members listed under the policy.
    - The benefit amount can be claimed in a single visit or spread over multiple visits for doctor consultations to the extent of the value of benefits.

  • Money-in-bank

    Tele-consultation Benefit

    Consult with any doctor of your choice listed on the Bajaj Finserv Health platform via video, audio, or chat channel subject to speciality & frequency of consultation mentioned in the offered plan. This benefit can be availed by all members listed under the policy.

  • Money-in-bank

    Network discounts

    Discounts are offered on healthcare expenses within the Bajaj Finserv Health Prime network. Here is the list of discounts.

    1. OPD Consultation Discount: 10%
    2. Lab & Radiology Discount: 10%
    3. Health Plans & Packages Discount: 10%
    4. Pharmacy Discount: 10%
    5. Spectacle Discounts: 10%
    6. Dental Procedure Discounts: 10%
    7. Room Rent Discount: 5%
    8. Free Ambulance for IPD Admissions

    Note:
    - Network Discounts are applicable only at the Bajaj Finserv Health Prime network. Please note that all network discounts may not be applicable at all Bajaj Finserv Health Prime networks.
    - Network discounts can be utilized multiple times (unlimited) with no capping on the maximum discount that can be availed by the customer.

What is Not Covered / Exclusions

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 Under Teleconsultation Benefit

  • Consultation with the doctor is strictly limited to in-app/website video/audio/chat consultation. No in-clinic/physical consultation is allowed
  • Teleconsultation benefit is not transferrable
  • 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 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

How to Apply

Click on ‘Apply Now’ button and share your basic details in the online application form

Check and confirm your application by entering the OTP received on your mobile number

Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode

You will receive the details of your membership via email/WhatsApp

Claim Process

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.

Contact Us

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.

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