Care Health Insurance – Communicable Disease Cover-Indemnity starting at Rs. 663
Product highlights
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits
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Coverage up to Rs. 3 lakh, annual premium starts at Rs. 663
Get cover against medical expenses arising out of treatment and hospitalisation for communicable diseases (Infectious water-borne diseases).
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Treatment charges coverage
The policy provides coverage for communicable diseases related medical expenses. This includes hospitalisation, diagnostic tests, treatment costs, medication costs, and doctor’s fees.
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Coverage for doctor fees and medication
Covers doctors’ fees and medication charges incurred for the treatment of communicable diseases specified under the policy.
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Pre- and post-hospitalisation expenses cover
Covers pre- and post-hospitalisation expenses incurred up to 30 days and 60 days respectively.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy the Communicable Disease Cover-Indemnity. If you meet all the eligibility criteria, we will need a few details to complete your application process.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 - 60 years
Documents required
No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
- Name
- Address
- Email address
- Mobile number
Step-by-step guide to buy this policy
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Step 1
Click on the ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 4
If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.
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Step 5
At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards, and wallet.
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Step 6
After the payment is successful, you can download the policy receipt instantly.
Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.
Policy details
Here’s a quick look at the policy details of Communicable Disease Cover:
- Premium of Rs. 663
- Premium of Rs. 930
- Premium of Rs. 1,152
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 1 lakh |
| Premium including GST (in Rs.) | 663 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 930 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 3 lakh |
| Premium including GST (in Rs.) | 1,152 |
| Policy tenure | 1 year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under the Communicable Disease Cover-Indemnity:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Hospitalisation | Expenses during hospital treatment up to sum insured |
| Diagnostic tests | During specified pre-hospitalisation and hospitalisation period |
| Medications | Related to hospitalisation |
| Doctor’s fees | During and post-hospitalisation |
| Treatment costs | Includes room rent, ICU, tests, and transfusions |
| Ambulance costs | Cover for cost of ambulance charges up to Rs. 2,000 |
| Room rent charges | Sub-limits on room rent up to 1% of the sum insured. Also, for ICU charges, sub-limits up to 2% of sum insured |
Given below is the list of diseases for which you can get coverage under this policy:
• Amoebiasis
• Giardiasis
• Cholera
• E. coli Infection
• Dysentery
• Leptospirosis
• Salmonellosis
• Typhoid fever
• Hepatitis A and E
• Acute gastrointestinal illness
| Key exclusions | Description |
|---|---|
| Any pre-existing disease | No pre-existing illness |
| Illness other than specified under policy | Any illness other than those specified under this policy |
| Ailments during waiting period | Illnesses detected before 90 days from the purchase of policy |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can contact the insurer (Care Health Insurance) to claim the benefits of the Communicable Disease Cover-Indemnity by email or phone:
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-102-4488 and claim the benefits
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Documents required to claim
To claim the benefits of Communicable Disease Cover-Indemnity, you need to present the following documents:
1. The policy document received at the time of purchase
2. Medical certificates and reports received from the doctor
3. Invoice/bills -
Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in
Frequently asked questions
Communicable Disease Cover-Indemnity is an insurance product from Care Insurance offered through Bajaj Finance. It provides financial support for medical expenses associated with the treatment of communicable diseases.
The Communicable Disease Cover provides financial support necessary for all medical expenses under any of the mentioned illnesses.
You can contact the insurer by writing to them at claims@careinsurance.com or calling on the toll-free number 1800-102-4488.
Communicable Disease Cover-Indemnity protects against the medical costs arising from communicable disease treatment. The policy provides coverage for hospitalisation and treatment costs. Apart from this, get coverage for medications, room rent, ICU charges, doctor’s fees, transfusions, and diagnostic tests.
Yes, you get coverage for road ambulance expenses of up to Rs. 2,000 with this policy.
Insurance glossary
Disclaimer
*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third-party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.
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