My Health Care Plan

What is My Health Care Plan?

My Health Care Plan by Bajaj Allianz General Insurance Company offers a personalised health insurance solution made to meet your specific needs. This modular plan allows you to customise coverage, providing flexibility for individual or family floater options. With sum insured amounts ranging from INR 3 lakhs to INR 5 crores, it caters to diverse budgets and healthcare requirements. Key benefits include in-patient hospitalisation, modern treatment methods, maternity and baby care, and annual preventive health check-ups. The plan also covers alternative treatments like ayurvedic care and road ambulance expenses. Designed for lifelong renewal, My Health Care Plan ensures uninterrupted coverage and assurance, making it a perfect personalised health plan for every stage of life.

Overview of My Health Care Plan

Introducing a unique health insurance plan that cares for you the way you want. Now, transforming care your way. The ‘My Healthcare Plan’ is a modular plan that offers the flexibility to curate an individual bouquet of features for yourself and your family.

It is an umbrella product for customizable packages. You can now easily buy a mediclaim policy plan that gives you the option to pick and choose the insurance coverage. Design your health care plan based on which the health insurance premium will be determined.

*T&C apply

How to Choose My Healthcare Plan?

Before you zero down the individual health insurance or family health insurance, let us consider the below pointers to choose an ideal insurance plan:

Flexibility to Design Plan:

With this mediclaim policy you can easily customize the plan as per your prerequisites.

Select an Adequate Sum Insured:

The My Healthcare Plan offers multiple sum insured options ranging from Rs. 3 lakhs to Rs. 5 crores. Choose an adequate sum insured that suits your budget.

Bouquet of Coverages:

Ensure that the mediclaim insurance for family offers an array of coverage for expenses incurred towards hospitalization, modern treatment methods, etc.

Annual Preventive Health Check-up:

Look at if you can avail of free preventive health check-ups once in every policy year in any of the network hospitals. At Bajaj Allianz General Insurance, we are growing strong with 18,400 + network hospitals* across the nation.

With My Healthcare Plan, now you need not buy separate maternity insurance cover or baby cover. This plan offers an in-built cover maternity cover, nursing cover and baby cover.

Optional Cover Offered in My Healthcare Plan

Let us delve into understanding the optional cover available under My Healthcare Plan briefly:

Loss of Income Cover:

If the insured gets hospitalized due to any diseases except infection for a consecutive 72 hours due to an illness or injury, then a pay-out will be paid.

Major Illness and Accident Multiplier (Indemnity):

If the insured is hospitalized for any critical illness during the policy term, then the sum insured for such major illnesses/injury will be increased up to 2 times.

✓ Cancer

✓ Open Chest Coronary Artery Bypass Grafting (CABG)

✓ Kidney Failure Requiring Regular Dialysis

✓ Major Organ Transplantation

✓ Multiple Sclerosis with Persisting Symptoms

✓ Permanent Paralysis of Limbs

✓ Open Heart Replacement or Repair of Heart Valves

✓ End Stage Liver Failure

✓ End Stage Lung Failure

✓ Bone Marrow Transplant

International Cover- Emergency Care Only:

The insurance company will indemnify the insured person for hospitalization expenses incurred outside India. Also, anywhere across the world for emergency care only up to the amount specified in the policy schedule. This is subject to the terms and conditions mentioned. The injury/illness should occur while the insured is outside India.

Note:For more details, please refer to the product brochure carefully and the corresponding limits to the plan.

Why Choose Bajaj Allianz General Insurance Company for a Personalised Health Plan?

Bajaj Allianz General Insurance Company offers a trusted and flexible personalised health plan solution tailored to your needs. With extensive features and benefits, it ensures comprehensive healthcare coverage for individuals and families.

Key Highlights:

Wide Hospital Network :Access a robust network of 18,400+ hospitals across India for seamless cashless claims.

Comprehensive Inclusions :Covers daycare treatments, maternity care, organ donor expenses, and modern treatment methods.

Optional Benefits :Enhance financial security with covers for income protection and critical illness multipliers.

Integrated Features :No need for separate policies—includes baby care, annual preventive health check-ups, and ayurvedic treatments.

Customisable Plans :Tailor coverage to suit your unique needs with sum insured options up to INR 5 crores.

Proven Expertise :Backed by decades of trust in delivering customer-centric health insurance solutions.

Choose Bajaj Allianz General Insurance Company for reliable, flexible, and feature-rich health insurance designed with your priorities in mind.

How to Calculate Health Insurance Premiums?

Use the health insurance premium calculator online, which is simple and quickly calculates the premium amount based on the inputs entered. Whether you are buying individual health insurance or mediclaim insurance for family, using this online tool has benefits:

- Helps to make an informed decision

- Easy to use, is quicker and hassle-free

- Enable you to budget accordingly

Before you use a health insurance calculator it’s important to understand that various factors determine the premium. This includes the age of the insured, medical history, lifestyle habits, type of cover, etc.

To use the health insurance calculator, to know My Healthcare Plan premium the below details will be required:

- Select the type of plan like an individual or family health insurance

- The number of people that you want to cover

- Select the age of the people you wish to cover

- Select the sum insured ranging from Rs. 3 lakh to Rs. 5 crore

- Enter personal information such as name, contact number and email address

And there you go! You will have the estimated mediclaim policy premium with varying policy period options.

How to Claim Health Insurance for My Personalized Healthcare Plan?

Cashless Claims Procedure

The cashless facility can only be availed at any of the network hospitals. To avail of the cashless treatment benefits, the below procedure needs to be followed:

✓ For a planned treatment or hospitalization, you must intimate the insurance company almost 48 hours prior. You should request pre-authorization by way of the written form.

✓ If satisfied with the request, the insurer will send an authorization letter to the network hospital. Keep your authorization letter, health ID card and other relevant documents handy. It needs to be produced at the network hospital at the time of admission.

✓ If the above process is followed, you need not pay at the network hospital. Keep the original bills and treatment evidence carefully. Please note that all the expenses may not be covered subject to the terms and conditions mentioned in the policy schedule.

✓ In case a treatment/procedure is taken on an emergency basis, the insurance company should be informed about the same in writing within 24 hours of hospitalization.

Reimbursement Claims Procedure

If the medical treatment has been taken outside the listed network hospital, you can opt for a reimbursement claim process.

✓ In case of an emergency, the insurance company needs to be informed in writing within 48 hours of hospitalization. If it’s a planned treatment, the insurer must be informed 48 hours prior.

✓ You should promptly within 30 days of discharge from the hospital give the documentation of the treatment availed.

✓ In case the insured passes away, anyone claiming on their behalf should immediately inform in writing to the insurance company. Likewise, a post-mortem report also needs to be shared within 30 days.

✓ If the original documents are submitted with the co-insurer, then photocopies attested by the co-insurer should be duly submitted.

*T&C apply

Save Tax with Health Insurance Plan

Having suitable health insurance coverage also helps to save on taxes as well. Now, you can claim tax deductions against the family health insurancepremium. Here, under Section 80D of the Income Tax Act of 1961, if you are less than 60 years of age, you can claim up to Rs. 25,000 tax deduction by choosing a family floater health insurance.

Besides, the mediclaim insurance premium paid for parents is subject to tax deductions additionally. As per Section 80D of the Income Tax Act of 1961, you can obtain a deduction for up to Rs. 50,000, if the parents are 60 years of age and above.

Note:The tax benefits are subject to change as per existing laws

Find Network Hospitals

You can now easily locate your nearest network hospital with us and avail best of class medical treatment. We have a strong network of 18,400 + network hospitals* in PAN India. If you are an existing Bajaj Allianz Health Insurance, click here to locate the nearby network hospital.