Health insurance covers essential health, illness and accident expenses by protecting you from unexpected, high medical costs. Health insurance policies can be bought for an individual or for family. Let’s have a look at types of health insurance covers you can consider before making your buying decision.
Under the Individual Health Insurance Policy, the chosen sum assured is applicable to a person covered under the plan on an individual basis for cashless hospitalization and other benefits. It is a policy where each insured member is entitled to the entire amount separately.
In the Family Floater Health Insurance policy, the chosen sum assured is applicable to all family members covered under a single cover i.e. one cover for all members. It can be used entirely by one member or by multiple people over multiple claims.
The Top-up health insurance plan additional coverage for people who have limited health cover insurance under an existing individual plan or coverage from the employer. It is for reimbursement of expenditure which arises out of single illness when the limit of the existing cover is not sufficient.
Taken as a standalone insurance policy or a rider for treatment of serious illnesses like - cancer, kidney failure, heart attack etc. Most critical illness policies provide for payment of a lump sum benefit if the policyholder is diagnosed, suffering from one of the specified critical illnesses.
To know more in the meantime, you can also call us on 0921 213 0130
Comprehensive health cover insurance options from Rs.2 lakhs to Rs.50 lakhs
Cashless settlement - you need not pay any amount while hospitalized for treatment across wide network of hospitals
Ambulance fees covered
No room rent capping
Maternity benefits, including coverage of new born baby along with vaccination charges up to 10 years
30 days pre- and 60 days post-hospitalization benefits
130 daycare procedures covered
Medical expenses incurred during organ transplant
Emergency ambulance charges covered
AYUSH (Ayurveda, Unani, Siddha and Homeopathy) treatment is also covered
Free health check-ups and discount vouchers as No Claim Bonus (NCB is an advantage provided if a person does not file a claim for any treatment in previous year.)
Entry age up to 60 years
Income Tax benefit under Section 80D
Contact us to know more on what is covered and excluded under your Health Insurance plan
You’ll be surprised to know how easy it is to get a Health Insurance policy with Bajaj Finserv even if you’ve never used our services before. Just fill in your details on this page, or give us a missed call on 09212 130 130 and we will get in touch with you and take you through the process.
Things to consider before you buy
What type of insurance policy you would want to buy, for individual or for family?
What would be the ideal insurance cover for you/your family?
What add-on features you would want to opt-in for?
Know the applicable sub limits (capping amount of expenses category like room rent, doctors’ fees, medical test cost etc.)
Policy inclusions and exclusions.
What would be likely procedures of claim? (cashless, reimbursement)
Medical check-ups required before policy acceptance?
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