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Family Health Insurance Plans

Family Health Insurance

Cover your loved ones against any kind of illness or accident with a Family Health Insurance plan. Pay one single premium and provide a health insurance for yourself, your spouse and your kids. Pay for the hospitalization charges, consultation fees, and even medicines with a comprehensive cover from Bajaj Finserv’s Family Health Insurance plan offerings. Save time and money with a hassle-free medical coverage for your entire family.
 

Features & Benefits

  • Coverage up to Rs.50 lakh

    Get a sum insured up to Rs. 50 lakh and pay the medical bills of your entire family.

  • Hassle-free

    Pay just one single premium amount and get the best medical treatment for the whole family.

  • Save tax

    Save up to Rs.60,000 on income tax under Section 80D.

  • Add a member easily

    Add a family member to your existing family health insurance policy without any hassle.

  • Long-term benefits

    Get a long-term policy discount of 4% for 2 years and 8% for 3 years.

  • Cover various charges

    Cover variety of expenses like organ donor, maternity and newborn baby, bariatric surgery, or even Ayurvedic and Homeopathic hospitalization with just one single policy.

  • Long-term benefits

    No need to take a medical test for up to 45 years of age, subject to clean proposal form.

  • Free preventive tests

    All policyholders are eligible for a free preventive health check-up every 3 years, irrespective of a claim.

  • Ambulance charges

    Get a cover for ambulance charges up to Rs.20,000 in a policy year.

Eligibility for individual health insurance

A Bajaj Finserv loan customer is eligible for a family health insurance plan, if:

  • The family members are between the age of 18 to 65 years.

  • The age of dependent children should be between 3 months to 30 years.

Exclusions

Following expenses are not covered under this policy:

  • Any diseases caused due to the consumption of addictive substances like alcohol, drugs etc.

  • Sexually Transmitted Diseases (STDs) like AIDS or HIV are excluded from the Family Health Insurance Policy.

  • Any disease contracted during the first 30 days of the policy period is not covered.

  • Certain diseases will be covered after a waiting period, like 3 years for any pre-existing diseases, joint replacement, PIVD, and bariatric surgery.

  • Diseases like hernia, piles, cataract and sinusitis shall be covered after a waiting period of 2 years and maternity/newborn baby expenses will be covered after 6 years waiting period.
     

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