When it comes to providing medical treatment to your children, the costs of treatment should be the least of your worries. With an insurance policy covering medical treatments for your child, you can get coverage against the expenses incurred during any unforeseen situations. Bajaj Finance brings to you Group Activ Health- Kids Comprehensive Insurance Cover from Aditya Birla Health Insurance Co. Ltd. that offers a payout in the event of kids’ hospitalization.
Plan Details
|
Policy Sum Insured up to |
Premium incl. taxes |
|
Rs. 1 lakh |
Rs. 1358 |
Eligibility: You are eligible for the Kids Cover if your child is between 5 and 18 years of age as on his/her last birthday.
Plan Validity: The plan is valid for a tenor of one year.
What's Covered
-
Room Rent Cover
Get coverage against expenses incurred during hospitalization due to typhoid, tuberculosis, and meningitis.
-
Daycare Procedures
527 daycare procedures are covered.
-
Hospitalization Cover
Domiciliary hospitalization is covered as defined in GHI policy wordings.
The pre and post-hospitalization period is 30 and 60 days respectively. -
Transportation by Ambulance Cover
Road ambulance charges are covered up to Rs. 1000 per incident in case of emergency.
-
Consultations with A Doctor Cover
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 condition
- Adults
*For a complete list of exclusions, please refer to the policy wordings.
List for Surgeries having 2 years exclusions:
|
Body System |
Illness |
Treatment/ Surgery |
|
|
1 |
Eye |
Cataract |
Cataract Surgery |
|
Glaucoma |
Glaucoma Surgery |
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|
2 |
Ear Nose Throat |
Serous Otitis Media |
|
|
Sinusitis |
Sinus Surgery |
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|
Rhinitis |
Surgery for the nose |
||
|
Tonsillitis |
Tonsillectomy |
||
|
Tympanites |
Tympanoplasty |
||
|
Deviated Nasal Septum |
Surgery for Deviated Nasal |
||
|
Otitis Media |
Surgery or Treatment for Otitis |
||
|
Adenoiditis |
Adenoidectomy |
||
|
Mastoiditis |
Mastoidectomy |
||
|
Cholesteatoma |
Resection of the Nasal Concha |
||
|
3 |
Gynaecology |
All Cysts & Polyps of the female Genito urinary system |
Dilatation & Curettage |
|
Polycystic Ovarian Disease |
Myomectomy |
||
|
Uterine Prolapse |
Uterine prolapse Surgery |
||
|
Fibroids (Fibromyoma) |
Hysterectomy unless |
||
|
Breast lumps |
Any treatment for Menorrhagia |
||
|
Prolapse of the uterus |
|||
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Dysfunctional Uterine Bleeding(DUB) |
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Endometriosis |
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Menorrhagia |
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Pelvic Inflammatory Disease |
|||
|
4 |
Orthopaedic / Rheumatological |
Gout |
Joint Replacement Surgery for Prolapse of the intervertebral disc |
|
Rheumatism, rheumatoid arthritis |
|||
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Non-infective arthritis |
|||
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Osteoarthritis |
|||
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Osteoporosis |
|||
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Prolapse of the intervertebral disc |
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|
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, Ano-rectal & PerianalAbscess |
|||
|
Rectal Prolapse |
|||
|
Gastric or Duodenal Erosions orUlcers + Gastritis & Duodenitis |
|||
|
Gastroesophageal Reflux Disease(GERD) |
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|
Cirrhosis |
|||
|
6 |
Urogenital (Urinary and Reproductive system |
Stones in Urinary system (Stone in the Kidney, Ureter, UrinaryBladder) |
Prostate Surgery |
|
Benign Hypertrophy /Enlargement of Prostate (BHP / BEP) |
|||
|
Hernia, Hydrocele, |
Surgery for Hydrocele, Rectocele and Hernia |
||
|
Varicocele / Spermatocele |
Surgery for Varicocele /Spermatocele |
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|
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
Click on ‘Apply Now’ button and share your basic details in the online application form.
Check and confirm your application by entering the OTP received on your mobile number.
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
You will receive the details of your membership via email/whatsapp.
Claim process
You can raise a claim by reaching out to the insurer via one of the following ways:
- Insurer's E-mail - healthinsurance@adityabirlacapital.com
- Insurer's Toll-free number 1800-270-7000
In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.
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.”