Aditya Birla Health Insurance - Surgical Cover (18-35 years) at Rs. 3,398
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. 5 lakh, premium Rs. 3,398
Get coverage against the expenses arising from hospitalisation and treatment for 16 major illnesses.
The policy provides for medical expenses which includes room charges, pre- and post-hospitalisation costs, and ambulance cover.
Hospital room rent
Get coverage for a single private AC room for normal and ICU room.
About five minutes is all it would take to complete six simple steps and get your policy online.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy the Surgical Cover (18-35 years). If you meet all the eligibility criteria, we will need a few details to complete your application process.
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 – 35 years
No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
- Email address
- Phone number
Step-by-step guide to buy this policy
Click on the ‘Buy Now’ button on this page.
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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.
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.
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.
Here’s a quick look at the policy details of Surgical Cover (18-35 years):
|Sum insured (in Rs.)||5 lakh|
|Premium including GST (in Rs.)||3,398|
|Policy tenure||1 year|
Key inclusions and exclusions
Here’s a quick look at the key inclusions and exclusions under the Surgical Cover (18-35 years):
- Key inclusions
- Key exclusions
|Major illnesses||Covers 16 major illnesses for hospitalisation on an indemnity basis|
|Room charges||Normal and ICU costs as per actuals|
|Pre and post hospitalisation||Covered up to sum insured for 30 days pre- and 60 days post-hospitalisation|
|Ambulance cost||Covered up to amount specified in policy per hospitalisation|
Given below is the list of the 16 critical illnesses covered under this policy:
1. Coronary artery by-pass surgery
2. Cancer treatment
3. Heart valve replacement
4. Major organ transplantation
5. Bone marrow transplant
7. Pulmonary artery graft surgery
8. Aorta graft surgery
9. Coronary artery by-pass surgery post occurrence of myocardial infraction
10. Surgical treatment for Stroke
11. Surgical treatment for benign brain tumour
12. Lung transplant surgery in case of end-stage lung disease
13. Kidney transplant surgery in case of end-stage renal failure
14. Skin grafting surgery for major burns
15. Surgical treatment of coma
16. Surgery for pheochromocytoma
|Pre-existing condition||Pre-existing condition is not covered|
|Ailments during waiting period||Illnesses detected before 90 days from the purchase of policy|
|Illness other than specified under policy||Any illness other than the 16 major illnesses specified under this policy|
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 (Aditya Birla Health Insurance) to claim the benefits of the Surgical Cover (18-35 years) by email or phone:
Insurer’s email address
Share your policy document and medical reports at email@example.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 the Surgical Cover (18-35 years), 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
Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at firstname.lastname@example.org
Frequently asked questions
The Surgical Cover (18-35 years) provides coverage against the cost of treating 16 major illnesses mentioned under this policy, its pre- and post-hospitalisation expenses and ambulance charges at an affordable premium.
There is an initial waiting period of 90 days to claim benefits under this policy.
Any sickness or disease other than the 16 specified under the policy, any pre-existing medical condition and claims before 90 days from the date of purchase are not covered under this policy.
This policy offered by Bajaj Finance is valid for a policy tenure of one year.
The premium for the policy is Rs. 3,398 with a sum insured of up to Rs. 5 lakh.
AYUSH is an acronym for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy which are the six Indian systems of traditional medicine.
Co-payment is the percentage of the claim amount that the policyholder has to pay from their own pocket under a health insurance policy.
Daycare procedures are surgeries or procedures that require less than 24 hours of hospitalisation.
Daily hospital cash
Daily hospital cash plan is a health plan which provides a fixed sum for each day the policyholder is hospitalised.