Care Health Insurance – Major Organ Transplant Cover starts at Rs. 307
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, premium Rs. 307
Coverage for major organ transplant and related medical expenses. Get sum insured of up to Rs. 3 lakh. The annual premium starts at Rs. 307.
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Major organ transplant hospitalisation
The policy provides coverage for major organ transplant-related medical expenses. This includes hospitalisation, diagnostic tests, treatment charges, medication costs, and doctor’s fees.
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Pre- and post-hospitalisation
Covers pre- and post-hospitalisation expenses for 30 and 60 days, respectively.
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End-to-end online
You can buy the policy online through our 100% digital process.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy this Pocket Insurance 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: 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 Major Organ Transplant Cover:
- Premium of Rs. 307
- Premium of Rs. 590
- Premium of Rs. 850
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 1 lakh |
| Premium including GST (in Rs.) | 307 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 590 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 3 lakh |
| Premium including GST (in Rs.) | 850 |
| Policy tenure | 1 year |
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under the Major Organ Transplant Cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Hospitalisation expenses | Hospital and medical expenses due to major organ transplant. This is subject to the availability of clinical confirmation from a specialist |
| Comprehensive cover for treatment charges | Expenses for hospital room rent, ICU, transfusion, doctors’ fees (during and after hospitalisation, medicines, and tests |
| Ambulance | Covers ambulance expenses up to Rs. 2,000 |
| Room rent | Sub-limits on room rent of up to 1% of sum insured. ICU charges up to 2% of sum insured |
| Key exclusions | Description |
|---|---|
| Any pre-existing disease | Pre-existing conditions, unless specified under the terms of the policy |
| Ailments during waiting period | Illnesses detected before 90 days from the purchase of policy are not covered |
| Stem cell | Other stem-cell transplants are not covered |
| Transplant exclusion | If only islets of Langerhans (groups of pancreatic cells secreting insulin and glucagon) are transplanted |
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 Major Organ Transplant Cover 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 Major Organ Transplant 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
Expenses up to Rs. 3 lakh for organ transplant treatment. This is only if there is clinal confirmation by appropriate neurologist to support the diagnosis.
This Pocket Insurance policy offered through Bajaj Finance. Given below are the variations in which the policy is available:
1. Premium of Rs. 307 for sum insured of up to Rs. 1 lakh
2. Premium of Rs. 590 for sum insured of up to Rs. 2 lakh
3. Premium of Rs. 850 for sum insured of up to Rs. 3 lakh
You can raise the claim by contacting the insurer, either by writing to them at claims@careinsurance.com or calling on the helpline number 1800-102-4488.
This pocket insurance policy offered through Bajaj Finance is valid for a policy tenure of one year.
Yes, there is an initial waiting period of 90 days before claiming the benefits of the policy.
