Care Health Insurance – Pollution Cover up to Rs. 2 lakh starting at Rs. 531
Key features
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 of up to Rs. 2 lakh starting at Rs. 531
Covers medical and hospitalisation expenses incurred for treatment of respiratory illnesses caused due to pollution at just Rs. 531.
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Pre- and post-hospitalisation coverage
Get coverage against the medical expenses incurred up to 30 days before hospitalisation and 60 days post-hospitalisation.
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Hospitalisation expenses covered
Get coverage of up to Rs. 2 lakh for hospitalisation costs incurred due to pollution-related illnesses. The diagnosis must be confirmed by an appropriate specialist.
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Coverage for conducting diagnostics test
This policy covers the cost of conducting diagnostics tests before (within the specified pre-hospitalisation period) or during the hospitalisation period.
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Doctor fees and medication covered
Get coverage for expenses incurred towards purchasing medicines related to hospitalisation, along with hospital room rent, ICU, transfusion, and doctor fees.
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Coverage for ambulance charges
Get coverage of up to Rs. 2,000 incurred for availing of road ambulance services while transporting the insured to the hospital.
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End-to-end online process
About five minutes is all it would take to complete six simple steps and get your policy online.
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No documents are required to buy
When buying the Pollution Cover, you do not need to present any documents at the time of making the purchase.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy the Pollution 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 - 65 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
- Phone 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.
You can also download the policy document from ‘My Account’ after 5 to 7 working days from the date of purchasing the policy.
Policy details
Here's a quick look at the policy details of Pollution Cover:
- Premium of Rs. 531
- Premium of Rs. 743
- Premium of Rs. 920
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 50,000 |
| Premium including GST (in Rs.) | 531 |
| Policy term | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 1 Lakh |
| Premium including GST (in Rs.) | 743 |
| Policy term | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 920 |
| Policy term | 1 year |
Key inclusions and exclusions
Here's a quick look at the inclusions and exclusions under Pollution Cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Coverage for hospitalisation expenses | Get coverage of up to Rs. 2 lakh for hospitalisation expenses for treatment of the respiratory ailment. Pre (30 days) and post (60 days) hospitalisation expenses are also covered |
| Diagnostic tests | Stay covered for expenses incurred for diagnostic tests within the specified pre-hospitalisation period or during hospitalisation |
| Treatment charges | Covers treatment charges including, hospital room rent, ICU, transfusion, doctor fees (during & after hospitalisation), medicines and tests |
| Ambulance expenses | Covers ambulance expenses up to Rs. 2,000 |
| Key exclusions | Description |
|---|---|
| Waiting period | Any claim for hospitalisation benefits within 90 days from the policy's purchase date |
| Illnesses other than respiratory | Hospitalisation due to reasons other than respiratory illness |
| Pre-existing disease | Hospitalisation due to any pre-existing diseases |
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 reach out to the insurer (Care Health Insurance) to claim the benefits of the Pollution Cover by email or phone:
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Insurer’s toll-free number
You can also call the toll-free helpline number - 1800-102-4488 and claim the benefits
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Documents required to claim
Collect and submit the following documents:
1. Policy document
2.Discharge summary
3.Complete billing details
4.Medical and investigation reports -
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
You can buy the Pollution Cover by Care Health Insurance through Bajaj Finance at a nominal premium starting at Rs. 531 for a sum of up to Rs. 2 lakh. To claim the benefits of the cover, you can reach out to the insurer via either of the two mediums:
1. Email – claims@careinsurance.com
2. Toll-free helpline number - 1800-102-4488
The Pollution Cover is available in three variants at different premium rates. You can refer to the annual premium fee below:
1. Sum insured of up to Rs. 50,000 at Rs. 531
2. Sum insured of up to Rs. 1 lakh at Rs. 743
3. Sum insured of up to Rs. 2 lakh at Rs. 920
Given below are the key exclusions for Pollution Cover:
1. Hospitalisation due to reasons other than respiratory illness
2. Hospitalisation within the first 90 days from the policy start date, as the policy has a waiting period of 90 days.
3. Any pre-existing disease
The journey to buy the Pollution Cover from Bajaj Finance is 100% digital, and no document is required. All you need to do is add your name, mobile number, residential address, email address and residential PIN code.