This is a specialised health insurance plan that offers a benefit to policyholders who might be required to undergo certain surgical procedures. The plan can be purchased in combination with certain add-ons like Hospital Cash Daily Allowance, Critical Illness Cover and Personal Accident Cover by paying an additional premium specified by the insurer, Bajaj Allianz.
Bajaj Allianz specifies certain criteria that should be met in order to purchase the Surgical Protection Plan.
The sum insured is the total amount a policyholder can claim from the insurer in an event where medical attention is required.
|Minimum Sum Insured||Rs.1 lakh|
|Maximum Sum Insured||Rs.10 lakh|
The hospitalisation expenses resulting from one of the surgeries mentioned in the policy are covered by this add-on.
A claim can be made towards the above-mentioned cover if the policyholder is diagnosed with one of the listed critical illnesses mentioned in the policy, during the policy period.
If the policyholder suffers an accidental bodily injury, the sum insured under the Personal Accident Cover can be claimed. The percentage of sum insured that can be claimed varies as follows:
Once the Personal Accident Cover is utilised, the cover will cease to exist for the policyholder.
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