Aditya Birla Health Insurance – Diabetic Cover at Rs. 1,528
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
-
Coverage up to Rs. 25,000, premium Rs. 1,528
Covers diabetes-related treatment up to Rs. 25,000. The plan comes at a premium of Rs. 1,528.
-
Hospital room expenses
Covers rent up to Rs. 2,000 for a normal room and up to Rs. 4,000 for an ICU room.
-
100% digital process
Complete six simple steps and get your policy online.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy the Diabetic Cover. 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: 36-50 years
Documents required
No documents required to buy the policy.
You only need to provide the following details at the time of buying the policy:
- Name
- Address
- Email address
- Phone number
Step-by-step guide to buy this policy
-
Step 1
Click on the ‘Buy Now’ button on this page.
-
Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
-
Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
-
Step 4
If your mobile number is present in our records, your pre-filled details will appear on the form. All you need to do is to check if the details are correct.
-
Step 5
At this point, the payment page will open. Complete the online payment through UPI, net banking, credit/debit cards, or wallet.
-
Step 6
After the payment is successful, you can download the policy receipt instantly.
Download the policy document from ‘My Account’ after 5-7 working days from the purchase date.
Policy details
Here’s a quick look at the policy details of Diabetic Cover:
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 25,000 |
| Premium including GST (in Rs.) | 1,528 |
| Policy tenure | One year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under Diabetic Cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Medical transport | Get road ambulance cover up to Rs. 1,000 per incident for any emergency hospitalisation. |
| Annual check-ups | Avail the health check-up program within network hospitals, once in a policy year. |
| Medical tests covered under the health check-up program | Covers blood pressure, basal metabolic rate, and height-weight ratio. Also, smoking status, fasting blood sugar, and total cholesterol. |
| 100% reload benefit | If you exhaust the sum insured on the policy in a policy term, you can restore the original value with this benefit. |
| Key exclusions | Description |
|---|---|
| Any pre-existing disease | No pre-existing medical illness covered up to the waiting period of four years |
| Ailments during the waiting period | Illnesses detected before 30 days from the purchase of the policy. The waiting period for diseases under the exclusions list is two years* |
*The two years exclusion list is as follows:
Illness |
Treatment or surgery |
Cataract |
Cataract surgery |
Glaucoma |
Glaucoma surgery |
Serous otitis media |
|
Sinusitis |
Sinus surgery |
Rhinitis |
Surgery for the nose |
Tonsillitis |
Tonsillectomy |
Tympanitis |
Tympanoplasty |
Deviated Nasal Septum |
Surgery for deviated nasal |
Otitis media |
Surgery or treatment for otitis media |
Adenoiditis |
Adenoidectomy |
Mastoiditis |
Mastoidectomy |
Cholesteatoma |
Resection of the nasal concha |
All cysts and polyps of the female |
Dilatation and curettage |
Polycystic ovarian disease |
Myomectomy |
Uterine prolapse |
Uterine prolapse surgery |
Fibroids (fibromyoma) |
Hysterectomy unless |
Breast lumps |
Any treatment for menorrhagia |
Prolapse of the uterus |
|
Dysfunctional Uterine Bleeding |
|
Endometriosis |
|
Menorrhagia |
|
Pelvic inflammatory disease |
|
Gout |
Joint replacement surgery for prolapse of the intervertebral disc |
Rheumatism, rheumatoid |
|
Non-infective arthritis |
|
Osteoarthritis |
|
Osteoporosis |
|
Prolapse of the intervertebral disc |
|
Spondylopathies |
|
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 and perianal |
|
Rectal prolapse |
|
Gastric or duodenal erosions or |
|
Gastroesophageal Reflux Disease |
|
Cirrhosis |
|
Stones in Urinary system (Stone in the Kidney, Ureter, Urinary |
Prostate surgery |
Benign Hypertrophy/Enlargement of Prostate (BHP/BEP) |
|
Hernia, hydrocele, |
Surgery for Hydrocele, |
Varicocele/Spermatocele |
Surgery for Varicocele / |
skin tumour (unless malignant) |
Removal of such tumour unless malignant |
All skin diseases |
|
Any swelling, tumour, cyst, nodule, ulcer, or polyp anywhere in |
Surgery for cyst, tumour, nodule, or polyp unless malignant |
Varicose veins, Varicose ulcers |
Surgery for Varicose veins and Varicose ulcers |
Congenital Internal Diseases or |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can contact the insurer (Aditya Birla Health Insurance) to claim the benefits of Diabetic Cover by email or phone:
-
Insurer’s email address
Share your policy document and medical reports at care.healthinsurance@adityabirlacapital.com.
-
Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-270-7000 and claim the benefits.
-
Documents required to claim
To claim the benefits of Diabetic Cover, 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
Diabetic Cover by Aditya Birla Health Insurance covers the treatment cost of chronic diabetes.
Reload benefit offered under health insurance policies enable policyholders to restore the sum insured on the policy. Basically, this benefit comes to help if your sum insured on the policy gets exhausted after claiming once during the tenure. With the reload benefit, you can reinstate the entire amount and make the claim again.
The plan covers tests like blood pressure, basal metabolic rate, and height-weight ratio. Also, smoking status, fasting blood sugar, and total cholesterol within network hospitals.
The initial waiting period for this cover is 30 days, whereas the waiting period for diseases under the exclusions list is two years.
Anyone between the age of 36 and 50 years can buy this policy, provided they fulfil the other criteria.
