Care Health Insurance

Care Health Insurance – Pollution Cover up to Rs. 2 lakh starting at Rs. 531

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 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 starting at just Rs. 531.

  • Pre- and post-hospitalisation coverage

    Pre- and post-hospitalisation coverage

    Get coverage against the medical expenses incurred up to 30 days before hospitalisation and 60 days post-hospitalisation.

  • Coverage for hospitalisation expenses

    Coverage for hospitalisation expenses

    Get up to Rs. 2 lakh in coverage for hospitalisation expenses for pollution-related ailments. An appropriate specialist must validate the diagnosis.

  •  Coverage for conducting diagnostics test

    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.

  • Coverage for doctor’s fees and medication

    Coverage for doctor’s fees and medication

    Get coverage for expenses incurred towards purchasing medicines related to hospitalisation, along with hospital room rent, ICU, transfusion, and doctor fees.

  • Coverage for ambulance charges

    Coverage for ambulance charges

    Road ambulance service coverage of up to Rs. 2,000 while transporting the insured to the hospital.

  • End-to-end online process

    End-to-end online process

    You can easily buy the policy online in just six simple steps with our paperless process.

  • No documents are required to buy

    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.

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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
  • Mobile 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 details on the form will be pre-filled. 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 via one of the following options: UPI, net banking, credit/debit cards, and wallet.

  • 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.

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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.) 50,000
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
Diagnostic tests Diagnostic test coverage during pre-hospitalisation or during hospitalisation period
Treatment charges Covers treatment charges including for hospital room rent and ICU charges. Also, get coverage for transfusion, doctor’s fees (during and after hospitalisation), medicines, and tests
Ambulance expenses Covers ambulance expenses up to Rs. 2,000
Key exclusions Description
Waiting period Hospitalisation within the first 90 days from policy start date, as the policy has a waiting period of 90 days
Illnesses other than respiratory Hospitalisation due to reasons other than respiratory illness
Pre-existing disease Hospitalisation due to any pre-existing diseases

How to claim

You can contact the insurer (Care Health Insurance) to claim the benefits of the Pollution Cover by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at claims@careinsurance.com

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call the toll-free helpline number - 1800-102-4488 and claim the benefits

  • Documents required to claim

    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.

    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

How can you claim the benefits of the Pollution Cover policy?

You can buy the Pollution Cover through Bajaj Finance at a nominal premium starting at Rs. 531. The offers sum insured of up to Rs. 2 lakh. To claim the benefits of the cover, you can contact the insurer via either of the two mediums:
1. Email – claims@careinsurance.com
2. Toll-free helpline number - 1800-102-4488

What is the premium for availing the Pollution Cover?

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

What are the exclusions under this policy?

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

Do I need any documents to buy the Pollution Cover from Bajaj Finance Insurance Mall?

The journey to buy the Pollution Cover through Bajaj Finance is 100% digital. The insured need not present any document at the time of purchasing the product. All you need to do is add your name, mobile number, residential address, email address, and residential PIN code.

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Disclaimer

*Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Care Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under GROUP CARE 360 - UIN: RHIHLGP20126V011920. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.