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Bajaj Allianz Star Package- Family Floater Health Insurance

Eligibility  
Entry Age (years)  
Minimum 18; 3 months for children
Maximum 60; 25 for children
Maximum Policy Renewal Age (years) 60 for Hospital Cash benefit; 80 years for Health guard; 60 years for Critical Illness benefit; 65 for Education grant
Coverage Type Individual/ family floater
Sum Insured (Rs)  
Maximum Hospital Cash(per day basis) 2500
Health Guard 5 lakh
Critical Illness 3 lakh
Personal Accident 5 lakh
Education Grant 5 lakh
Burglary/ Fire Insurance(Household Contents only) 4 lakh
Traveling Baggage 40000
Public Liability 5 lakh
Minimum Hospital Cash(per day basis) 500/1000/2000
Health Guard 1.5 lakh/ 2 lakh/ 3 lakh
Critical Illness 1 lakh/ 1.5 lakh/ 2 lakh
Personal Accident 2 lakh/ 3 lakh/ 4 lakh
Education Grant 2 lakh/ 3 lakh/ 4 lakh
Burglary/ Fire Insurance(Household Contents only) 1 lakh/ 2 lakh/ 3 lakh
Traveling Baggage 10000/20000/30000
Public Liability 2 lakh/ 3 lakh/ 4 lakh
Policy Term (years) 1 or 2 or 3
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Section Discount on selecting more than 3 sections.
4-5 sections: 10% discount
6-8 sections: 15%
10% discount on selecting a 2 years policy term and 15% discount on selecting a 3 years policy term
No Claim Bonus Health guard: 5% on each claim free year; maximum upto 50%. Applicable on Sum Insured of Rs 2 lakh and above.
Grace Period for Policy Renewal 15 days for Health Guard cover
Policy Termination Both insurance company and Policyholder are allowed to terminate the policy at anytime by giving a 14 day written notice. The insurer will refund premium on pro rata basis depending upon policy period elapsed.
Customer Service  
Address Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to customercare@bajajallianz.co.in
Call to 1800 22 5858(BSNL/ MTNL); 1800 209 5858 (Any mobile/ landline) or 020 30305858
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursementIn case policyholder opts for non empanelled hospital with a Co-payment clause of 10%
Minimum three sections (any) are mandatory
Section IHospital Cash
Daily Cash AmountCovered; maximum of 30 days (including ICU treatment) per policy period regardless of number of confinements to the hospital.
ICU BenefitCovered; double the daily cash amount for a maximum of 7 days per policy period
Section IIHealth Guard
In patient treatmentCovered
Pre-post hospitalisationRelevant medical expenses covered from 60 days prior and 90 days post hospitalisation
Day Care Procedures130 day care procedures are covered
Add on Coverage (requires payment of extra premium)
Ambulance ExpensesCovered; upto maximum of Rs 1000 per valid hospitalisation
Accommodation to RelativeRs 500 per day for 10 days
Organ transplant expenses of donorCovered upto Rs 1 lakh
Accidental Emergency, reconstructive Surgery (in case of accident), Physiotherapy, Medical evacuationcovered upto Rs 50000
Burial, Cremation ExpensesCovered; Rs 25000
Medical expenses for accidental hospitalisationCovered; twice the Health Guard Sum Insured
Free medical checkupCovered; after 4 claim free years
Section IIICritical IllnessCovered; pays a lump sum amount provided insured person survives 30 days after confirm diagnosis of critical illness. It covers critical illnesses namely: First Heart Attack, Coronary Artery Disease Requiring Surgery, Cancer, Kidney Failure (End-stage renal disease), Major Organ Transplantation, Multiple Sclerosis, Surgery of Aorta, Primary Pulmonary Arterial Hypertension, Paralysis, Neuron Surgery and joint replacement
Section IVPersonal Accident
Accidental deathCovered; 100% of Sum Insured
Cost of transporting remains from hospital to cremation ground/ residenceCovered; 2% of Sum Insured or Rs 5000, whichever is lower
Permanent Total disabilityCovered; 125% of Sum Insured
Permanent Partial DisabilityCovered; pays predefined percentage of sum insured
Temporary Total Disability Weekly payment of 1% of the Sum Insured maximum upto 100 weeks
Medical Expensesreimburses upto 40% of the admissible claim
Section VEducation Grantpayable in case of Accidental Death and Permanent Total Disability for continuing education of children
Section VIBurglary and Fire
Standard Fire Policy(including earthquake) and burglary for household contents onlycovers loss or damage to household property.Covered on the first loss basis @ 25% of the value at risk. Items with value more than 5% of Sum Insured have to be specially disclosed in the proposal form.
Section VIITraveling Baggage
Loss, damage or theft of baggage while traveling anywhere in the worldCovered
Section VIIIPublic Liability
Bodily injury or damage to property of third partyCovered
Exclusions and Waiting Period
Hospital CashPre-existing diseases and related complications.Hospitalisation within 30 days from the commencement of policy.Certain diseases will be covered from second year and onwards.Pregnancy/ childbirth Surgery/ dentalNatural perilsAccidents due to drunken driving
Health GuardPre-existing diseases will be covered after waiting period of 4 years.Some diseases such as hernia, piles, sinusitis, cataract shall be covered after a waiting period of 2 years.Medical expenses for treatment of any disease or illness diagnosed within 30 days of commencement of policy.dental/ spectacles/ contact lenses or hearing aids.non allopathic medicine, congenital diseases, all expenses arising from AIDS, cosmetic, aesthetic, intoxicating drugs/ alcohol, joint replacement surgery(unless caused by an accident)
Critical Illness PolicyPre existing critical illnessAny illness diagnosed during first 90 days from commencement date of the policy.
Personal Accident & Education GrantSuicide, self-inflicted injury, pre-existing physical or mental defects, alcoholic, influence of drugs, AIDS or related diseases etc.
Traveling BaggageTheft from car except from fully enclosed saloon cars having all the doors, windows and other opening securely locked, loss or damage to jeweler or valuables.Loss by any carrier under contract and Loss to money securities, gold and silver ornaments, travel tickets, cheque, draft, jeweler, share certificates and articles of consumable nature
Public LiabilityArising out of deliberate or willful or International noncompliance with any statutory provisions, connected with fines, penalties, in connection with any motor vehicles, watercraft, hovercraft or spacecraft
Co Payment ClauseHealth Guard: Individuals between age group 56-60 years taking the policy for the first time have to bear 20% of the admissible expenses. further in case of treatment in a non empanelled hospital, 10% of admissible claim has to be borne by policyholder