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Bajaj Allianz Health Ensure

Eligibility  
Entry Age (years)  
Minimum 18; 3 Months for Children
Maximum 55
Maximum Policy Renewal Age (years) 75
Coverage Type Individual Cover
Sum Insured (Rs)  
Maximum 1 lakh
Minimum 50000
Policy Term (years) 1
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Family discount of 5% is applicable
Pre Policy Medical Check Up Not required upto 55 years
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service  
Address Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to [email protected]
Call to 1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858
Scope Of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursementIn case policyholder opts for non empaneled hosiptal , expenses are re-imbursed withing 14 working days from date of submission of all records.
Pre-post hospitalisation2% of admissible hospitalization expenses
Hospitalisation Expenses (Inpatient treatment)Covered
Room, Board & Nursing Expensesupto 1% Of Sum Insured per day*
ICU Expenseupto 2% Of Sum Insured per day*
*Room, board, nursing and ICU expenses can be taken upto maximum of 30% of Sum insured per illness/ injury
Surgeon, Anesthetist, Medical practitioner, Consultants, Specialist Fees upto 30% of Sum insured per illness/ injury
Emergency Ambulance charges up to Rs 1000/-, 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 operationupto 40% of Sum Insured per illness/ injury
Day Care Procedures130 day care procedures are covered
Emergency AmbulanceCovered; subject to maximum limit of Rs 1,000
Health Check UpCovered; at the end of 4 continuous claim free years
Exclusions & Waiting Period
Pre-existing disease2 years waiting period applicable for Pre-existing diseases
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as gastric / duodenal ulcers, Surgery of varicose veins/varicose ulcers etc shall be covered after a waiting period of 1 year and some diseases such as cataract, hernia etc. will be covered after a waiting period of 2 years.Certain diseases such as joint replacement surgery will have a waiting period of 4 years.
General exclusionsNon allopathic treatmentAIDS and other related diseases.Cosmetic, beauty, weight reduction and other likely treatments.Use of alcohol or other addictive substances.War, participation in any criminal activity or any other related condition.Treatmenmt of any mental or related disease.