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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
Bajaj Allianz Insta Insure - 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
Bajaj Allianz Insta Insure - 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
Bajaj Allianz Insta Insure 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
Bajaj Allianz Insta Insure - 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. |
Up to 1% of SI per day |
| If admitted into Intensive Care Unit |
Up to 2 % of SI per day |
| All admissible Claims under (i) & (ii) during the policy period |
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 |
General Exclusions
- All diseases / illnesses existing at the time of proposing this insurance will have a waiting period of 4 years
- Any diseases contracted during the first 30 days of inception of the policy.
- Certain diseases/conditions such gastric/duodenal ulcers, Surgery of varicose veins/varicose ulcers, hydrocele, undescended testes,
congenital internal diseases and surgery for any skin ailment, cataracts(maximum Rs. 12,000), benign prostatic hypertrophy, hernia of all types, fistulas, hemorrhoids, fissure in ano, dysfunctional uterine bleeding, fibromyoma endometriosis, hysterectomy, stones in the urinary and biliary systems, surgery on ears/ tonsils/ adenoids/
paranasal sinuses, Surgery on all internal or external tumors/ cysts/ nodules/ polyps of any kind including breast lumps are covered after a waiting period of 2 years.
- Congenital External Conditions.
- Non allopathic treatment
- Joint replacement surgeries other than due to accidents would have a waiting period of 4 years
- All expenses arising out of AIDS and related diseases.
- Cosmetic and Aesthetic treatments.
- Use of intoxicating drugs or alcohol.
- In case of personal accident death cover for the self proposer exclusions applicable include death as a result of suicide, criminal intent, unlawful activity, etc.
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Insurance is the subject matter of solicitation
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| Bajaj Allianz Citation |
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Mr. Vikramjeet Singh, Head Travel Services at Bajaj Allianz says "NRIOL and bajaj allianz have been working together for quite sometime now and NRIOL has successfully delivered seamless customer service by making available bajaj allianz travel insurance products to its customers online.". |
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