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Dental & Eye Cover

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Treatments for one’s teeth and eyes can be very expensive, especially if one suffers from any conditions. But, with an insurance policy covering such treatments, one can avail a financial cushion and get easier access to proper treatment.
Group Protect - Dental and Eye Cover from Aditya Birla Health Insurance Co. Ltd. offer coverage for hospitalizations due to medical conditions associated with teeth and eyes.

Plan Details

Sum Insured (Rs.)

Premium incl. taxes (Rs.)

Rs. 20,000 

Rs. 649

What's Covered

  • Money-in-bank

    Hospitalisation/treatment benefits

    1. This policy offers coverage for hospitalization due to dental conditions. Periodontal diseases and gingivitis are covered up to Rs. 10000. Fracture of the skull and facial bones is covered up to Rs. 10000. Other diseases of the jaw are covered up to Rs. 10000. Benign neoplasm of the bone and articular cartilage is covered up to Rs. 7500. 
    2. The room type eligible under this cover is the general or economy ward only. All other charges are according to the room rent restriction.
    3. This policy offers coverage for ophthalmology.
    4. Teleconsultation for OPD with a general physician is covered under this policy. It also offers coverage to tele-consult up to 7 specialists from the fields of internal medicine, nutrition, dermatology, gynaecology, orthopaedics, paediatrics, and ophthalmology.
    5. Any pre-existing diseases are covered after a waiting period of 4 years under this policy.
    6. Any expenses incurred to transport the patient via a road ambulance are covered up to Rs. 1000 per incident in case of emergency.

What is Not Covered / Exclusions

  1. Treatment for any pre-existing conditions are not covered up to a period of 4 years.
  2. Any illness, sickness, or disease other than those specified under this policy.
  3. Any physical consultations (OPD).

Waiting Period

The initial waiting period for this cover is 30 days, whereas the waiting period for exclusion is 2 years.

*For a complete list of exclusions, please refer to the policy wordings.

The 2-year exclusion list is as follows:

Body system

Illness

Treatment or surgery

1

Eye

Cataract

Cataract Surgery

Glaucoma

Glaucoma Surgery

2

Ear Nose Throat

Serous Otitis Media

Sinusitis

Sinus Surgery

Rhinitis

Surgery for the nose

Tonsillitis

Tonsillectomy

Tympanitis

Tympanoplasty

Deviated Nasal Septum

Surgery for Deviated Nasal
Septum

Otitis Media

Surgery or Treatment for Otitis
Media

Adenoiditis

Adenoidectomy

Mastoiditis

Mastoidectomy

Cholesteatoma

Resection of the Nasal Concha

3

Gynaecology

All Cysts & Polyps of the female
genitourinary system

Dilatation & Curettage

Polycystic Ovarian Disease

Myomectomy

Uterine Prolapse

Uterine prolapse Surgery

Fibroids (Fibromyoma)

Hysterectomy unless
necessitated by malignancy

Breast lumps

Any treatment for Menorrhagia

Prolapse of the uterus

Dysfunctional Uterine Bleeding
(DUB)

Endometriosis

Menorrhagia

Pelvic Inflammatory Disease

4

Orthopaedic / Rheumatological

Gout

Joint replacement Surgery Surgery for Prolapse of the intervertebral disc

Rheumatism, Rheumatoid
Arthritis

Non-infective arthritis

Osteoarthritis

Osteoporosis

Prolapse of the intervertebral disc

Spondylopathies

5

Gastroenterology (Alimentary Canal and related Organs)

Stone in Gallbladder and Bile duct

Cholecystectomy / Surgery for Gallbladder

Cholecystitis

Surgery for Ulcers (Gastric / Duodenal)

Pancreatitis

Fissure, Fistula in ano, haemorrhoids (piles), Pilonidal Sinus, Ano-rectal & Perianal
Abscess

Rectal Prolapse

Gastric or Duodenal Erosions or
Ulcers + Gastritis & Duodenitis

Gastroesophageal Reflux Disease
(GERD)

Cirrhosis

6

Urogenital (Urinary and Reproductive system

Stones in Urinary system (Stone in the Kidney, Ureter, Urinary
Bladder)

Prostate Surgery

Benign Hypertrophy /
Enlargement of Prostate (BHP / BEP)

Hernia, Hydrocele,

Surgery for Hydrocele,
Rectocele, and Hernia

Varicocele / Spermatocele

Surgery for Varicocele /
Spermatocele

7

Skin

skin tumour (unless malignant)

Removal of such tumour unless
malignant

All skin diseases

8

General Surgery

Any swelling, tumour, cyst, nodule, ulcer, polyp anywhere in
the body (unless malignant)

Surgery for cyst, tumour, nodule, polyp unless malignant

Varicose veins, Varicose ulcers

Surgery for Varicose veins and Varicose ulcers

Congenital Internal Diseases or
Anomalies

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

You can raise a claim by reaching out to the insurer via one of the following ways:

Contact Us

In case you have any queries related to 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. Our partner Insurance Company provides the insurance coverage. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The benefits mentioned above and the premium amount are subject to various factors such as the 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 Aditya Birla Health Insurance Co. Ltd. Group Protect Policy, UIN: ADIHLGP21056V022021. Please refer to the insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to purchase any third party products mandatorily.

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