Maintaining a healthy lifestyle is very important to cope with new emerging diseases. Having said that even if you are currently fit and do not need any medical help, it’s important to have a health insurance coverage that secures your future medical needs.
Health Insurance comes under the umbrella of General Insurance that can be your perfect mate in times of dealing with sudden medical emergencies. When you or your immediate family member need hospitalisation due to illness or accidental injury having a health insurance policy in place can help you with cashless treatments or hassle-free reimbursement facilities.
Bajaj Finance Ltd. (BFL) offers both comprehensive and customised health insurance solutions. These health insurance policies cover expenses incurred during pre and post hospitalisations, doctor’s fees, medication, diagnostic tests, annual health check-ups, critical illnesses, psychiatric support treatments, pregnancy and childcare treatments and more.
So, what are you waiting for? Looking at the current healthcare situations in India, we are sure you won't regret your decision of buying health insurance that secures your and yours family’s future medical needs!
BFL follows a customer-centric approach and provides quality health solutions covering all age and
ailments. We partner with the leading health insurance providers that cover a huge network of hospitals
across India and plans with higher coverage, starting at affordable premium rates!
BFL offers health plans with cashless claims and a simple claim reimbursement process you can be sure of! With our comprehensive health coverage plans, you can avail of tax benefits applicable if any on the premiums paid, as per the Income Tax Act.
We cover different types of health insurance policies namely Individual health insurance, Family floater health insurance, Group/employee health insurance, Senior citizens health insurance, Critical illness health insurance, Top-up health insurance Personal accident insurance and many more.
If you think you don’t need a health insurance policy and can survive without it then you need to read
Our sedentary lifestyle, stress, unhealthy eating habits, gadget addictions, pollution all have led to lifestyle diseases. Lifestyle diseases like obesity, diabetes, heart problems, respiratory problems are affecting youngster & adults which demands for a health insurance policy.
Your ageing parents who are vulnerable to illnesses or dependent children must have a health insurance policy to take care of their medical needs.
We have seen in recent times with the rise of various new diseases, there has been a substantial rise even in the treatment costs. So, it is important to have health insurance that provides both quality treatment and beats the burden of high medical treatment cost by just paying nominal premium rates.
Well, the list can be exhaustive, but the point here is that health insurance is essential and with changing times, families must invest in plans that go a long way in safeguarding them against medical expenses.
What is a waiting period?
The amount of time you need to wait before you can start using any benefits of your health insurance policy.
What is a cumulative bonus?
When you don’t make any health insurance claims during the year, your insurer will increase your sum insured without charging you any extra premium for it. This increase in your sum insured is called a cumulative bonus.
Does the premium amount vary from insurer to insurer?
Yes, every insurer charges a distinct health insurance premium.
What are deductibles?
A deductible is an amount that is a part of the treatment cost that you are expected to pay by yourself, while the rest is paid by the insurer.
What is a co-payment clause?
In the case of a co-payment clause, the medical treatment cost is split between you and the insurer by a certain percentage.
Can I get admitted to a non-network hospital?
Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.
What is included in a Maternity Health insurance?
A maternity insurance covers the delivery expenses- be it normal or caesarean. It also covers post-birth care, vaccinations, and medicines.
Do I have to pay GST on the health insurance premium?
Yes, a GST is charged on the health insurance premiums payable by you.
How many people can you buy a group health insurance policy for?
It varies from insurer to insurer. You can buy a group health insurance policy for a minimum of 10 people.
Can I still claim if hospitalization is less than 24-hours?
Yes, you can if it is a day-care procedure or an OPD – if you’ve opted for an OPD cover in your health insurance.
What should I do if I have a pre-existing health condition and want to buy health insurance?
If you have any Pre-existing diseases it must be declared before purchasing the policy so that there is no issue with claims.