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Bajaj Allianz Surgical Protection Health Insurance

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Bajaj Allianz Health Insurance
Surgical Protection Plan
Claim Settlement Ratio92.24%
Network Hospitals7,000+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Surgical Protection Health Insurance

Illness or accidental injuries resulting in hospitalisation can bring in some serious financial problems for any family. To provide you with financial assistance in such circumstances, Bajaj Allianz has designed an innovative insurance solution, titled 'Surgical Protection Plan'. Surgical Benefit Cover, an integral component of Surgical Protection Plan, will provide you with a fixed benefit amount for specified surgeries and help you to take care of the expensive medical treatment in a hospital. In addition to the Surgical Benefit Cover, Surgical Protection Plan also offers you a host of other value-added covers such as Hospital Cash Daily Allowance, Critical Illness and Personal Accident benefit.

This medical insurance policy is segregated under 11 plans and the sum insured options available under it ranges from Rs. 1 Lakh to Rs. 10 Lakh as per the plan opted. It is an annual policy that is available in two types such as Individual Surgical Protection Plan Policy and Group Surgical Protection Plan Policy. Under this plan, you can cover your spouse, your dependent children and dependent parents, where a waiver of medical tests up to 45 years is allowed, subject to no adverse health conditions. The plan is loaded with comprehensive coverage for around 600 surgeries, including listed daycare procedures for which cashless facility can be availed in more than 3600 network hospitals.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Comprehensive coverage for around 600 surgeries
  • Surgical cover ranges from Rs. 1 Lakh to Rs. 10 Lakh
  • No pre-medical tests are required up to 45 years of age
  • In-house claims processing by health administration team
  • Sum Insured enhancement is allowed at the time of renewals

What's Not Included

  • Experimental, unproven or non-standard treatment
  • Dental treatment of any kind unless as a result of injury
  • Any form of cosmetic or plastic surgery unless necessary
  • Venereal disease or sexually transmitted disease or illness
  • Treatment related to obesity or weight reduction programs

5639 Bajaj Allianz Cashless Network Hospitals in India

Choose Bajaj Allianz Critical Illness Plan

Surgical Protection Plan User Reviews

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What users are saying
  • All
  • Strong digital presence

    Online presence is crucial nowadays. This ensures that you can issue your policy at the comfort of your home. InsuranceDekho makes sure that all the insurers mentioned on the website have a strong digital presence so that you can access them whenever or wherever you want. I booked Bajaj Allianz Surgical Protection plan.

    T
    By Trish Bhattacharya
    On: Dec 02, 2020
  • Optimum plan for me

    I was told about this plan by one of my friends. I really liked this plan because it has given me cover for around 600 surgeries. Also, i did not have to undergo pre-medical tests as i am below 45 years of age. Feature that i have beneficial is sum insured enhancement at renewal time. 

    S
    By Sudhanshu
    On: Feb 26, 2020
  • Wide cover for less price

    Surgeries cost a lot these days. The best way i found to deal with this expense was this plan. Thanks to insurancedekho that they suggested it to me. I have chosen its individual surgical protection plan. Have got coverage for around 600 surgeries, including listed daycare procedures. I recommend this plan to every need person.

    G
    By Geeta Pant
    On: Feb 20, 2020
  • High expectations from this on...

    When insurancedekho guys told me about this policy, i was very much satisfied. After all, the coverage being offered is very good. At very low premium amount, i have got comprehensive coverage for around 600 surgeries, facility of sum insured enhancement, and more. Also, i did not have to take pre-medical tests as i am below 45 years. 

    R
    By Rahul Kumar
    On: Feb 14, 2020
  • One of a kind plan

    The reason i bought this policy is because it covers me for a fixed benefit amount for specified surgeries and that too at a less premium. This plan offers cover for around 600 surgeries so that’s great. Also available for me are value-added covers like Hospital Cash Daily Allowance, Critical Illness and Personal Accident benefit. 

    R
    By Rohit Awasthi
    On: Feb 11, 2020

Add-ons to Enhance Benefits

  • Hospital Cash Daily Allowance

    If an insured person is hospitalised for undergoing any of the listed surgical procedures, the insurer will pay her or him Rs. 1,500 for every 24 hours of hospitalisation for a maximum of 30 days. But, if he or she is admitted to the Intensive Care Unit (ICU), Rs. 3,000 for every 24 hours hospitalisation for a maximum of 15 days is given. 

  • Critical Illness Cover

    If an insured individual is diagnosed with a critical illness listed under the policy and managed to survive for a minimum period of 30 days from the date of diagnosis, then the insurer will be paying Rs. 1 Lakh to him as a benefit amount. The policy owns 15 listed critical illnesses such as cancer, first heart attack, coma, kidney failure, stroke and so on. 

  • Personal Accident Cover

    Under this cover, the insured person is entitled for the following coverage:

    Death Cover - 100% of the Sum Insured of Rs. 5 Lakh is given to nominee if the insured person meets with an accidental injury and dies within 12 months. In addition to this, the company also pay towards the actual cost of transporting his or her remains from the place of death to a hospital, cremation ground or burial ground, or to the insured’s house subject to a maximum of Rs. 5,000. The insurance company will also make a one-time payment of Rs. 5,000 each towards the cost of education of up to 2 of insured person’s dependent children who were studying on the date insured person met with the accidental bodily injury.

    Permanent Total Disability Cover: 125% of the Sum Insured of Rs. 625000 is offered if the insured person meets with an accidental injury period and suffers permanent total disability within 12 months. The company will also make a one-time payment of Rs. 5,000 each towards the cost of education of up to 2 of insured person’s dependent children who were studying on the date insured person met with the accidental bodily injury.

    Permanent Partial Disability Cover: A percentage of the sum insured for each and every form of listed impairment is given to the insured person if he or she meets with an accidental injury that causes permanent partial disability within 12 months. 

Bajaj Allianz Surgical Protection Plan Expert Review

  • Expert Review

    This plan tends to offer a specified amount for 600 listed surgeries. The surgical procedures are categorised under different grades like Supra-Major Surgeries, Major Surgeries, Sub-Major Surgeries, Daycare procedures and Minor Surgeries. The plan’s offering doesn’t cease here only, it also gives the coverage for Hospital Cash Daily Allowance, Critical Illness Cover, and Personal Accident Cover as well on an optional basis. It means the customer will have to pay a little extra premium to avail these add-on benefits. 

    In addition to these add-on benefits, transportation benefit and child education benefit is provided in the case of death and total disability that makes this plan huge support to insured persons in every situation of life. The plan is meant for looking after a vast range of population that ranges from 3 months to 65 years of age. The entry in the plan is easy too as it doesn’t demand any pre-policy medical examination for people up to 45 years of age. 

  • Major Attractions

    The Surgical Protection Cover possesses several features that can support the policyholders in undergoing around 600 surgical treatments. Apart from that, optional coverage is also rendered that enhances the coverage and value of the plan and lessen the worry of the policyholders. Here are some of the basic offerings by the plan:

    • Surgical Benefit Cover for around 600 surgeries
    • The cover offered for self, spouse, and dependent children
    • Cashless facility is available in 3600+ network hospitals
    • In-house claims processing by the health administration team
    • The plan owns the availability of lifetime renewability option
    • Sum Insured enhancement is allowed at the time of renewal
    • Different types of discounts are offered under this health plan
    • Available as Individual and Group Surgical Protection Plan Policy
  • What’s More?

    The Surgical Protection Cover gives a bundle of benefits as well as peace of mind with its attractive features. But, its profit delivering doesn’t cease here and the plan acquires some more components in its arsenal. These elements are the ones that ensure the goodness and reliability of this plan. Here are some of those offerings:

    • The option of portability is available
    • Waiver of medical tests up to 45 years
    • A grace period of 30 days is permissible
    • Tax benefits can be gained on the premium
    • Free look period of 15 days for new policies
  • Conclusion

    It is quite easy to conclude that this plan is loaded with enough features and benefits that can help in going through a safe surgical procedure. It doesn’t just save money but also provide peace of mind. In addition to these, some optional covers are also available under this plan that completes it and turns it into a holistic approach plan.  

    Nowadays, it is hardly suggested anywhere to buy a policy offline as it involves too much paperwork, travel and time consumption. Therefore, it is advised to opt for this health plan from a reliable insurance website i.e., insurancedekho.com. It will assist you in getting all the information about the plan easily and gaining the claim as well. 

Bajaj Allianz Surgical Protection Plan Brochure

  • 481.64 KB
  • PDF Document
  • Nov 13, 2019

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Surgical Protection Plan Health Insurance Plan

  • What are the sum insured options available under this Surgical Protection Plan?

    This Surgical Protection Plan offers the sum insured options within the range of Rs. 1 Lakh to Rs. 10 Lakh. 

  • What are the entry and exit age applicable under this health insurance policy?

    Under this plan, one can be insured from the age of 18 years to 65 years. But, you can insure your children from the age of 3 months to the age of 25 years. 

  • Who all can find the coverage under this Surgical Protection Plan?

    The plan allows the coverage for many relations such as spouse, your dependent children and dependent parents, apart from the proposer. 

  • Do I need to go through any medical test to get the coverage under this policy? If yes, where is it done?

    No, you are not required to undergo any medical tests up to the age of 45 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. The pre-policy check-up would be arranged at the empanelled diagnostic centres of Bajaj Allianz.

  • Does this Surgical Protection Plan offer lifetime renewability?

    Yes, you can renew your policy throughout your lifetime, provided the insurance company has received your application for renewal and the renewal premium before the due date or within a maximum of 30 days from such date.

  • Is there any add-on coverage offered under this health insurance plan?

    Yes, if you buy this policy, in addition to in-built features some optional covers can be availed on paying an additional payment. These are as follows:
    A) Hospital Cash Daily Allowance
    B) Critical Illness Cover
    C) Personal Accident Cover

    In addition to these benefits, the plan also offers the following additional benefits:
    1) Transportation Benefit
    2) Children’s Education Benefit

  • When can I get my sum insured amount enhanced?

    Sum Insured enhancement is allowed only during the period of renewals. Also, this enhancement would be subject to the underwriting approval based on the declaration on the proposal form and previous claims experience.

  • In how many network hospitals the cashless coverage for this plan is offered?

    The cashless facility can be availed in 3600+ network hospitals of Bajaj Allianz for Surgical Benefit Cover.

  • Does this health insurance plan offer any discount to its policyholders?

    Yes, this policy offers different sort of discounts under different sections such as Retail Surgical Protection Plan Discounts and discount applicable for Group Surgical Protection Plan. Here are some of those segments and the respective discounts offered under them:

    A) Retail Surgical Protection Plan Discounts
    1. Discount applicable for New Business for online policies
    a) Family Discount 
    b) Good Health Discount
    c) Online Policy Discount

    2) Discount applicable for online renewal policies
    a) Family Discount 
    b) Online Policy Discount

    3) Discount applicable for new business through all other marketing channels except online policies
    a) Family Discount 
    b) Good Health Discount

    4) Discount applicable for Renewal through all other Marketing channels (Except online policies)
    a) Family Discount

    B) Discount applicable for Group Surgical Protection Plan
    a) Good Health Discount
    b) Discount offered in lieu of group size

  • Can I gain any tax benefit with this Surgical Protection Plan?

    Yes, you can get the exemption on the premium amount paid for this Surgical Protection Plan under Sec 80D of the IT Act, except for Personal Accident Cover.

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