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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
-
Room rent
Get coverage against room rent during hospitalisation due to typhoid, tuberculosis and meningitis.
-
Daycare procedures
A total of 527 daycare procedures are covered.
-
Hospitalisation costs
Domiciliary hospitalisation is covered as defined in policy wordings. Pre-and post-hospitalisation periods of 30 and 60 days, respectively, are covered.
-
Transportation by ambulance
Road ambulance charges of up to Rs. 1,000 per incident in case of an emergency are covered.
-
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 |
||
|
Otitis media |
Surgery or treatment for otitis |
||
|
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 |
||
|
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.”