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Kids Cover

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It is your top priority to get your children prompt treatment when they fall ill, even if the costs may be high. With an insurance policy covering children’s medical treatments, you can save yourself from such expenses during any unforeseen situations. Bajaj Finance brings you Group Activ Health – Kids Comprehensive Insurance Cover from Aditya Birla Health Insurance Co. Ltd. that covers hospitalisation expenses for children for a wide range of illnesses.

Plan details

Sum insured

Premium incl. taxes

Rs. 1 lakh

Rs. 1,358

Eligibility: You are eligible for this kids cover if your child is between 5 and 18 years old as on their last birthday.

Validity: 1 year

What's covered

  • Money-in-bank

    Room rent

    Get coverage against room rent during hospitalisation due to typhoid, tuberculosis and meningitis.

  • Money-in-bank

    Daycare procedures

    A total of 527 daycare procedures are covered.

  • Money-in-bank

    Hospitalisation costs

    Domiciliary hospitalisation is covered as defined in policy wordings. Pre-and post-hospitalisation periods of 30 and 60 days, respectively, are covered.

  • Money-in-bank

    Transportation by ambulance

    Road ambulance charges of up to Rs. 1,000 per incident in case of an emergency are covered.

  • Money-in-bank

    Doctor’s consultations

    The charges for a doctor on call are covered. The costs to consult a general physician and psychological counselling are covered.

    Note: Pre-existing diseases are covered after a waiting period of 4 years.

What's not covered

  • Physical consultation (OPD)
  • Pre-existing conditions

*For the complete list of exclusions, please refer to the policy wordings.

List of surgeries with two-year exclusions:

Body part

Illness

Treatment or surgery

1

Eye

Cataract

Cataract surgery

Glaucoma

Glaucoma surgery

2

Ear-nose-throat

Serous Otitis Media

Sinusitis

Sinus surgery

Rhinitis

Surgery for the nose

Tonsillitis

Tonsillectomy

Tympanites

Tympanoplasty

Deviated nasal septum

Surgery for deviated nasal septum
Septum

Otitis media

Surgery or treatment for otitis
Media

Adenoiditis

Adenoidectomy

Mastoiditis

Mastoidectomy

Cholesteatoma

Resection of the nasal concha

3

Gynaecology

All cysts and polyps of the female genitourinary system

Dilatation and curettage

Polycystic ovarian disease

Myomectomy

Uterine prolapse

Uterine prolapse surgery

Fibroids (fibromyoma)

Hysterectomy unless
necessitated by malignancy

Breast lumps

Any treatment for menorrhagia

Prolapse of the uterus

Dysfunctional uterine bleeding

Endometriosis

Menorrhagia

Pelvic Inflammatory Disease

4

Orthopaedic/rheumatological

Gout

Joint replacement surgery for prolapse of the intervertebral disc

Rheumatism, rheumatoid arthritis

Non-infective arthritis

Osteoarthritis

Osteoporosis

Prolapse of the intervertebral disc

Spondylopathies

5

Gastroenterology (alimentary canal and related organs)

Stone in gallbladder and bile duct

Cholecystectomy/surgery for gallbladder

Cholecystitis

Surgery for ulcers (gastric/duodenal)

Pancreatitis

Fissure, fistula in ano, haemorrhoids (piles), pilonidal sinus, anorectal and perianal abscess

Rectal prolapse

Gastric or duodenal erosions or ulcers + gastritis and duodenitis

Gastroesophageal reflux disease(GERD)

Cirrhosis

6

Urogenital (urinary and reproductive system)

Stones in urinary system (kidney/ ureter/urinary bladder)

Prostate surgery

Benign hypertrophy/enlargement of the prostate (BHP/BEP)

Hernia, Hydrocele,

Surgery for Hydrocele, Rectocele and Hernia

Varicocele / Spermatocele

Surgery for Varicocele /Spermatocele

7

Skin

Skin tumour (unless malignant)

Removal of such tumour unless malignant

All skin diseases

8

General surgery

Any swelling, tumour, cyst, nodule, ulcer, polyp anywhere in the body (unless malignant)

Surgery for cyst, tumour, nodule, polyp unless malignant

Varicose veins, Varicose ulcers

Surgery for Varicose veins and Varicose ulcers

Congenital Internal Diseases or anomalies

How to apply

1

Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.

2

Check and confirm your application by entering the OTP received on your mobile number.

3

Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

4

You will receive the details of your membership via email/WhatsApp.

Claim process

You can raise a claim under this hospital insurance plan by contacting the insurer in one of the following ways:

  • E-mail: healthinsurance@adityabirlacapital.com
  • Toll-free number: 1800-270-7000

Contact us

For queries related to coverage, exclusions, or claims, please write to us at wecare@bajajfinserv.in

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 Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under Aditya Birla Health Insurance Co. Ltd.Group Activ Health Policy, UIN: ADIHLGP21134V022021. 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.”

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