Bajaj Allianz Surgical Protection Health Insurance
Claim Settlement Ratio | 92.24% |
Network Hospitals | 7,000+ |
Pre-existing Disease Waiting Period | 2 years |
Starting Premium for Rs. 5 lakhs SI | Rs. 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
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Add-ons to Enhance Benefits
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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.
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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
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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
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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
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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.
Claim Process at Bajaj Allianz Health Insurance
FAQs on Surgical Protection Plan Health Insurance Plan
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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.
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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.
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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.
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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.