Aditya Birla Health Insurance - Surgical Cover (18-35 years) at Rs. 3,398
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. 5 lakh, premium Rs. 3,398
Get coverage against the expenses arising from hospitalisation and treatment for 16 major illnesses.
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Treatment charges
The policy provides for medical expenses that includes room charges, pre- (30 days) and post-hospitalisation (60 days) costs, and ambulance cover.
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Hospital room rent
Get coverage for a single private AC room for normal and ICU room.
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End-to-end online
The process to buy the Surgical Cover (18-35 years) is 100% digital.
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16 Major illnesses covered
- Cancer treatment
- Coronary artery bypass surgery
- Heart valve replacement
- Major organ transplant
- Bone marrow transplant
- Neurosurgery
- Pulmonary artery graft surgery
- Aorta graft surgery
- Coronary artery bypass surgery post occurence of myocardial infraction
- Surgical treatment for stroke
- Surgical treatment for benign brain tumour
- Lung transplant surgery in case of end stage lung disease
- Kidney transplant surgery in case of end stage renal failure
- Skin grafting surgery for major burns
- Surgical treatment of coma
- Surgery for pheochromocytoma
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.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 – 35 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 Surgical Cover (18-35 years):
| Policy details | Description |
|---|---|
| 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
| Key inclusions | Description |
|---|---|
| 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 |
16 major illnesses - indemnity basis are given below:
1. Coronary artery by-pass surgery
2. Cancer treatment
3. Heart valve replacement
4. Major organ transplantation
5. Bone marrow transplant
6. Neurosurgery
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
| Key exclusions | Description |
|---|---|
| Pre-existing condition | No coverage for pre-existing illnesses |
| 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 |
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 (Aditya Birla Health Insurance) to claim the benefits of the Surgical Cover (18-35 years) by email or phone:
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Insurer’s email address
Share your policy document and medical reports at care.healthinsurance@adityabirlacapital.com
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-270-7000 and claim the benefits
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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
3. Invoice/bills
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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
The Surgical Cover (18-35 years) provides coverage against the cost of treating 16 major illnesses mentioned under this policy. It provides coverage for pre- and post-hospitalisation expenses, and ambulance charges for these critical illnesses.
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.
