Bajaj Allianz Insta Insure Insurance

Insta Insure FAQ's In the times of rising medical costs Bajaj Allianz's Insta Insure Family Medical Policy is the perfect medical protection for you and your family. It takes care of the health treatment costs incurred during hospitalization due to serious accident or illness. It also covers for pre and post hospitalization. One of the salient features of the product is that the proposer (self insured) is also covered for a sum insured of Rs1lac against death due to accident.

  Eligibility

  • Age of proposer 18 years to 45 years
  • Age of entry 3 months to 45 years
  • Policy renewed continuously upto age 70 years
  • No pre existing ailment

  Features

  • A single family floater policy to cover hospitalization expenses & personal accident benefit
  • Hassle free policy, Health & PA cover for Healthy individuals without any history of pre-existing diseases.
  • The cover starts once the KIT is activated by generating the authentication number
  • Entry age restricted upto 45 yrs and no medical underwriting( Subject to clean proposal)
  • Policy can be renewed till proposer attaining an age of 70 yrs
  • Access to over 2400 hospitals for cashless facility

  Benefits

  • Complete protection to the family for hospitalization expenses
  • All the family members can be covered under a single SI for a single premium ( Floater Cover)
  • Personal Accident death cover for the proposer.
  • Hassle free policy issuance without medical tests
  • Income tax benefit on the premium paid as per section 80D
  • Covers emergency ambulance charges

  Coverage

Sl No. Hospitalisation Benefits  (Sum Insured Rs.1,00,000) Limits
1. (i) Room, Boarding   Nursing Expenses as provided by the Hospital/ Nursing home including registration and service Charges.
(ii) If admitted into Intensive Care Unit
All admissible Claims under (i) & (ii) during the policy period
Up to 1% of SI per day
Up to 2 % of SI per day
Up to 30% of SI per illness/injury
2. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees Up to 30% of SI per illness/injury
3. Pre / Post hospitalization expenses Flat 2% of hospitalisation expenses
4. Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and any medical expenses incurred which is integral part of the operation Up to 40% of SI per illness/injury
5. Day Care Procedure 130 days
6. Income Tax Benefit Income Tax Benefit under Sec 80 D of the IT Act on the premiums paid
7. Emergency Ambulance charges up to Rs 1000/-
8. Pre-Existing Cover Covered after 4 continuous years of renewal
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