Health Ensure is a comprehensive health insurance plan offered by general insurer Bajaj Allianz. This policy is designed to provide comprehensive benefits at an affordable premium amount. One of the notable features of this policy is that its floater version can be extended even to in laws and grandparents. With flexible sum insured options and multiple value added benefits, Bajaj Allianz Health Ensure is an ideal product to manage all your health care needs in case of an unfortunate hospitalisation.
Bajaj Allianz Health Ensure plan comes with the following eligibility criteria:
Some of the key features of Bajaj Allianz Health Ensure can be given as follows:
The range of benefits offered under Bajaj Allianz Health Ensure can be given as follows:
|Benefits||Extent of Coverage|
|Room rent, boarding, and nursing expenses||Normal - 1% of the sum insured (max. Rs.5,000) per day ICU - 2% of the sum insured (max. Rs.10,000) per day|
|Medical expenses||Coverage up to the sum insured limit|
|Road ambulance coverage||Actual expenses subject to a maximum of Rs.1,000 per policy year|
|Day care treatment||Covered for all the procedures listed in the policy schedule|
|Preventive health checkup (Once every three claim-free years)||Up to 1% of the sum insured amount subject to a maximum of Rs.1,500|
|Ayurvedic/homeopathic hospitalisation||Up to 20% of the sum insured amount|
The following list of exclusions applies to Bajaj Allianz Health Ensure:
The claim procedure begins with intimation to the company about the hospitalisation. Planned hospitalisation must be informed at least 48 hours in advance. Emergency hospitalisation can be informed within 24 hours of hospitalisation.
Cashless treatment is offered through the 6000+ network hospitals associated with Bajaj Allianz throughout the country. Pre authorisation can be obtained by sending the policy information to the company through fax or email. After the verification of the policy details, the company will provide the authorisation for cashless treatment.
For reimbursement claims, the insured can file the request after discharge from the hospital. Various documents including hospital bills, laboratory bills, diagnostic reports, physician certificate, etc. must be submitted along with the claim form. Following the submission of these documents, the company will verify the request and provide the settlement amount.
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