Bajaj allianz health insurancein in musale hospital chandrapur is from 2016 , it provide the comphrensive coverage to the patient paediatrics diseases , maternity complication , fracture treatment.
What is different in Health Guard Revised policy?
Answer: Revised Health Guard policy is designed to suit all your health care needs. A comprehensive range of benefits, ensuring you are covered for the larger expenses related to Illness/surgery with a coverage’s like sum insured reinstatement, convalescence benefit maternity expenses & many more
Question: What are Sum Insured options in Health Guard Revised policy?
Answer: There are two plans Silver & Gold in revised Health Guard policy & the sum insured are as per the plan opted.
Silver Plan- Rs.1.5/2lacs
Gold Plan – Rs.3/4/5/7.5/10/15/20/25/30/35/40/45/50 lacs
Question: What is the Policy Period in revised Health Guard?
Answer: Policy can be taken for 1year/2years or 3years
Question: Is revised Health Guard an Individual or Floater policy?
Answer: Policy provides Individual as well as Floater sum insured options under both plans
Question: Which family members can be covered in revised Health Guard?
Answer: Self, Spouse, Dependent Children, Grandchildren, Parents, Sister, Brother, Parent-In-laws (of the proposer), Aunt & Uncle of the proposer can be covered under individual option
Self, Spouse, dependent children can be covered under floater option.
For Parents & parent-In-Laws separate floater policy can be taken.
Question: Is there any Room Rent Capping in Health Guard Revised policy?
Answer: Yes there is Room Rent capping in Silver Plan i.e. 1% of Sum Insured (excluding cumulative bonus) per day or actual, whichever is lower. However there is no such capping under Gold plan
Question: How will the Room Rent Capping apply, will it be for Room rent only or for over claim amount?
Answer: In case of admission in higher room category than eligible then the reimbursement of other expenses like consultation fees, OT charge, Anesthetist fees etc will be charged as per the eligible room rent hence it will apply on overall claim amount
Question: Is there any capping for ICU charges as well?
Answer: No there is no capping for ICU, the ICU charges will be paid as per the actuals under silver as well as gold plan
Question: What is the period for Pre & post hospitalization?
Answer: Pre hospitalization is covered for 60 days & post is covered for 90 days
Question: What is the Road Ambulance coverage in Health Guard Revised policy?
Answer: Road Ambulance will be paid maximum of Rs 20000/- per policy year, whereas it existing Health Guard it was Rs 1000/- per valid hospitalization claim.
Question: What is the limit of Day Care procedures?
Answer: There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.
Question: Is Preventive health checkup available in Health Guard Revision?
Answer: Yes, at the block of 3 years (irrespective of claims) Preventive health checkup is given but there is a difference in Silver & Gold Plan.
Silver Plan – Individual Policy- 1% of the sum insured max up to Rs. 2000/- for each member
Gold Plan – Individual Policy- 1% of the sum insured max up to Rs. 5000/- for each member
(Floater Policy- Available for proposer & spouse only)
Question: What are the new coverage benefits in Health Guard Revised policy as compared to existing Health Guard?
Answer: Organ Donor Expenses, Convalescence Benefit, Daily Cash Benefit for Accompanying an Insured Child, Sum Insured Reinstatement Benefit, Ayurvedic / Homeopathic Hospitalization Expenses, Maternity Expenses, New Born Baby Cover, Bariatric Surgery Cover are newly added features in Revised Health Guard.
Note – Ayurvedic / Homeopathic Hospitalization Expenses, Maternity Expenses, New Born Baby Cover, Bariatric Surgery Cover are only available in Gold Plan
Question: What is Organ Donor expenses?
Answer: This is a new addition of benefit in revised health Guard, it simply means that we will be covering the charges borne by insured person towards the treatment of the person who will be donating the organ to the insured person. The only condition is that the main claim of the insured person for which the organ is being donated is payable under the policy.
Question: What is Convalescence Benefit?
Answer: This is a new addition of benefit in revised health Guard, under this benefit we pay a lump sum amount to the insured if the admission is more than 10 days.
We will pay benefit amount of Rs. 5,000 for Sum Insured up to Rs 5 lacs and Rs. 7500 for Sum Insured 7.5 lacs and above per policy year provided the hospitalization claim is accepted.