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Most health insurances cater to physical ailments or issues, and it is hard to find coverage for mental issues and ailments. However, with the right insurance policy for mental health, you can get covered against any expenses incurred for your mental health treatments. Bajaj Finance brings to you Group Activ Health- Mental Health Support Program from Aditya Birla Health Insurance Co. Ltd. that covers treatment expenses arising from psychiatrist consultation, nutritional and psychological counselling.
Plan Details
|
Sum Insured up to |
Premium incl. taxes |
|
Rs. 1 lakh |
Rs. 1188 |
Eligibility: You are eligible for the Mental Health Support Program if you arebetween 18 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
-
Room Rent Cover
Room rent is restricted up to 1% of the SI, subject to a maximum of Rs. 5000 per day for a normal room. The coverage includes Rs. 10,000 per day for an ICU room. All other charges are according to the room rent restriction.
-
Consultations with Doctor Coverage
Expenses to consult a doctor on call, such as a psychiatrist consultation, nutritional and psychological counselling, are covered.
-
IPD Psychiatric Cover
IPD psychiatric benefits are covered up to Rs. 1 lakh.
Note: Pre-existing diseases are covered after a waiting period of 4 years.
What's not covered?
- Hospitalization other than psychiatric
- Physical consultation (OPD)
- Pre-existing conditions
- Dependents
*For a full list of exclusions, please refer to the policy wordings.
30 days waiting period: A 30 days waiting period is applicable.
2 years waiting period:2 years exclusion is 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
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.
Claim process
You can raise a claim under this 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 pocketservices@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.”