Health Infinity Plan: Comprehensive Health Insurance Coverage with No Limit on Sum Insured

The importance of health insurance in today’s world cannot be underestimated. As per a recent report, treatment costs for medical issues that require hospitalisation have more than doubled in the last five years. [1] To deal with these costs, it is crucial to have a health insurance plan. More importantly, it is important to have the right health insurance plan. Bajaj Allianz General Insurance Company’s Health Infinity Plan can be the option for you and your loved ones. It offers a host of features and comprehensive coverage so that you and your family are financially protected against a variety of medical risks and dangers. * Claims are subject to terms and conditions set forth under health insurance policy. Let’s learn more about the Health Infinity Plan below.

Key Features of the Health Infinity Plan

To get a brief overview of the Health Infinity Plan, let’s look at its general features:

1. No limit on the sum insured 

When you buy a Health Infinity Plan from us, there is no upper limit on the sum insured. You can enhance/ increase the amount as per your needs. * Claims are subject to terms and conditions set forth under health insurance policy.

2. Multiple room rent options

Within this plan, you get to choose a room rent option affordable for you, with per day ranges starting from ₹ 3000 and going up to ₹ 50,000. * Claims are subject to terms and conditions set forth under health insurance policy.

3. Free preventive health check-ups 

Insured members under the Health Infinity Plan can receive a free preventive health check-up at the end of every 3 years. The amount shall be equal to per day room rent opted by the policyholder, with an upper limit of up to ₹ 5000 per member. * Claims are subject to terms and conditions set forth under health insurance policy.

4. Multiple policy term options 

If you prefer buying a long-term health insurance plan, then the Health Infinity Plan can be the right option for you. It can be availed in tenures of 1,2, or 3 years. *

5. Coverage for loved ones

Along with yourself, the Health Infinity Plan can also provide coverage to your spouse, your dependent children, and your parents on an individual basis. * Claims are subject to terms and conditions set forth under health insurance policy. To understand the health insurance benefits of any plan, one must look at the inclusions. Let’s browse through it in the next section.

Inclusions of the Health Infinity Plan

When you buy the Health Infinity Plan from Bajaj Allianz General Insurance Company, here are the inclusions you can enjoy:

In-patient hospitalisation

The insured member can claim expenses for in-patient hospitalisation without any sub-limits under this plan. The expenses can include charges for room rent (as opted by the policyholder), nursing, surgeon, anaesthetist, relevant diagnostic tests, specialist fees, and much more, as listed in the policy document. *

Pre-hospitalisation and post-hospitalisation

One can claim for pre-hospitalisation expenses of up to 60 days and post-hospitalisation expenses of up to 90 days, given that the insurance company has accepted an ‘in-patient hospitalisation’ claim under the policy as well. *

Day-care procedures

Expenses incurred by the insured for day-care procedures/surgeries in the in-patient department of the hospital will be covered by the policy. Expenses undertaken for the same in the outpatient department (OPD) may not be covered. *

Road ambulance 

The Health Infinity Plan can provide a maximum of ₹ 5000 for the costs incurred for ambulance services per hospitalisation. * Claims are subject to terms and conditions set forth under health insurance policy. Please note that each inclusion may have its set of terms and conditions. The claim amount may reflect the limitations set by the policy. Read through the health insurance policy document before proceeding.

General Exclusions of Health Infinity Plan

Here are the exclusions of the Health Infinity Plan:

Dental treatment 

No coverage is provided for dental treatments or implants, cosmetic surgeries, dentures, dental prostheses, and any kind of surgery related to dental treatment.

Unwarranted medical care

Expenses incurred for in-patient care where medical supervision (a qualified nursing and medical practitioner) is not required round the clock will not be covered.

Medical care due to war and related activities 

Any medical expenses incurred due to war, invasion, acts of foreign enemies, hostilities, and similar activities may not be covered under the plan. Medical expenses incurred due to acts of terrorism may be covered. * Claims are subject to terms and conditions set forth under health insurance policy.

Hazardous and adventure sports

Medical expenses incurred by the insured due to participation (as a professional) in hazardous or adventure sports may not be covered. To know about the other exclusions of the Health Infinity Plan and the above ones in detail, you are advised to read the policy document before proceeding. Along with the above information, one should also note some features that may be subjective. If any insured member has a pre existing disease, they may have a specified waiting period for that along with the general waiting period of the plan. * Claims are subject to terms and conditions set forth under health insurance policy. The Health Infinity Plan can be a suitable choice when one is planning to buy health insurance for individuals within their family or for themselves. It offers features that can be customised to suit one’s needs and budget. * Standard T&C apply. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.