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Maternity Cover 2

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Complications arising during maternity require urgent medical treatments, especially in women above 36 years of age. While these treatments an be expensive, choosing the right insurance policy can help you get covered, without having to incur the high costs. For women between 36 and 50 years of age, Bajaj Finance presents Group Activ Health- Maternity cover from Aditya Birla Health Insurance Co. Ltd. that covers treatment expenses, arising from complications during maternity under life-threatening situations.

Plan Details

Sum Insured up to

Deductible

Premium incl. taxes

Rs. 3 lakh

Rs. 2 lakh

Rs. 1358

 

Eligibility: You are eligible for the Maternity Cover if you are a woman between 36 and 50 years of age as on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's Covered

  • Money-in-bank

    Hospitalization Cover

    Hospitalization coverage offers a payout during any complications arising in maternity under life-threatening situations.

  • Money-in-bank

    Room Rent Cover

    Normal and ICU single private rooms at actual expenses are covered. All other charges are according to room rent limits.

  • Money-in-bank

    Waiting Period

    Pre-existing diseases that can lead to maternity complications are covered after a waiting period of 4 years.

What's not covered?

  • Hospitalizations other than maternity complications
  • Outpatient Treatment
  • Age below 36 years and above 50 years
  • Maternity
  • Pre-existing condition.

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

4 years waiting period for Pre-Existing diseases: 4 years exclusion is applicable

9 month waiting period for maternity: Applicable

Body System

Illness

Treatment/ 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[Text Wrapping Break]Septum

Otitis Media

Surgery or Treatment for Otitis[Text Wrapping Break]Media

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[Text Wrapping Break]necessitated by malignancy

Breast lumps

Any treatment for Menorrhagia

Prolapse of the uterus

Dysfunctional Uterine Bleeding (DUB)

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, Ano-rectal & Perianal Abscess

Rectal Prolapse

Gastric or Duodenal Erosions or Ulcers + Gastritis & Duodenitis

Gastroesophageal Reflux Disease (GERD)

Cirrhosis

6

Urogenital (Urinary and Reproductive system

Stones in Urinary system (Stone in the Kidney, Ureter, Urinary Bladder)

Prostate Surgery

Benign Hypertrophy / Enlargement of 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

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:

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.”

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