हेल्थ इंश्योरेंस

फैमिली हेल्थ इंश्योरेंस

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Protect your Family’s Health.

Comprehensive cover for all

Coverage Highlights

प्रमुख विशेषताएं
  • Wide Options

Choose a sum insured that fits your budget, ranging from ₹1 lakh to ₹25 lakhs.

  • तेज़ क्लेम सेटलमेंट

Claims are processed directly by us, ensuring faster and more efficient settlements.

  • लाइफटाइम रिन्यूअल

Enjoy uninterrupted health coverage for yourself and your family by renewing your policy every year.

  • कोई मेडिकल जांच नहीं

No medical tests are required for individuals up to 45 years of age.

  • प्रिवेंटिव चेक-अप

Avail free preventive health check-ups to encourage regular health monitoring and early detection of potential health issues.

  • Reinstatement Benefit

Get your sum insured reinstated after exhaustion due to a claim.

Key Inclusions

What’s covered?
  • हॉस्पिटलाइज़ेशन के खर्च

Covers hospitalisation costs, including a choice of room types and all types of daycare procedures and surgeries.

  • हॉस्पिटल में भर्ती होने से पहले और बाद के खर्च

Covers medical expenses for up to 60 days before and 90 days after hospitalisation, with options for customisation as needed.

  • AYUSH Hospitalisation

Covers medical expenses for alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy when prescribed by a doctor for illness or injury.

  • इन-पेशेंट हॉस्पिटलाइजेशन

Includes expenses for room and boarding, ICU, nursing care, surgeon fees, anaesthesia, and other necessary treatments as prescribed by a doctor.

  • रोड एम्बुलेंस

Reimburses reasonable ambulance expenses per valid hospitalisation claim when availing services from a healthcare or ambulance provider.

  • Organ Donor Expense

Covers the medical costs for an organ donor's in-patient treatment when harvesting an organ for the insured person.

  • Reinstatement Benefit

Restores 100% of the base sum insured for in-patient hospitalisation, ensuring full coverage for the policy year.

  • Daily Cash Allowance

Provides a fixed daily cash benefit during hospitalisation to help cover incidental expenses not included in the primary health insurance.

  • Modern Treatment

Covers medical expenses for treatments using modern technologies and advanced procedures

Key Exclusions

What’s not covered?
  • प्रतीक्षा अवधि

A mandatory initial waiting period of 30 days applies for hospitalisation due to illness or sickness. However, accidental hospitalisation is covered from day one.

  • पहले से मौजूद बीमारी

A waiting period of 36 months applies to pre-existing conditions such as diabetes, high blood pressure, thyroid disorders, asthma, etc.

  • Specific Disease/Procedure

A 24-month waiting period applies to expenses related to the treatment of specified conditions, surgeries, and medical procedures.

  • जांच और मूल्यांकन

Medical expenses solely for diagnostic or evaluation purposes that are not related to the current diagnosis and treatment are not covered.

  • Dietary Supplements

Expenses for vitamins, minerals, and organic supplements purchased without a prescription are excluded unless prescribed by a medical practitioner as part of hospitalisation or daycare treatment.

  • कॉस्मेटिक सर्जरी

Any treatment undertaken for aesthetic purposes is not covered unless it is required for reconstruction following an accident, burns, or medically necessary treatment.

  • स्वयं द्वारा लगाई गई चोट

Expenses arising from self-inflicted injuries, suicide attempts, insanity, or involvement in illegal activities are not covered.

  • Deductibles & Co-pays

A portion of the claim will need to be borne by the policyholder, as per the terms of the policy.

Additional Services

What else can you get?
  • Non-Medical Expense

Covers typically excluded non-medical items in standard health insurance policies.

  • मैटरनिटी कवर

Provides financial support for delivery expenses, prenatal and postnatal care, and newborn medical costs

  • बेरिएट्रिक सर्जरी कवर

Provides financial support for weight-loss procedures like gastric bypass, covering expenses if medically necessary due to obesity-related health conditions, as per policy terms.

Unmatched Benefits

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Reinstatement Benefits

Unlimited reinstatement of the sum insured, even after its depletion.

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लाइफटाइम रिन्यूअल

Stay covered and renew yearly hassle-free!

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कोई मेडिकल जांच नहीं

Get instant cover; skip the tests if you are under 45!

At-A-Glance

Compare Insurance Plans Made for You

विशेषताएं
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Family Health Care - Gold

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Family Health Care - Silver

सम इंश्योर्ड विकल्प INR 1 Lakh to INR 25 Lakhs रु. 50,000 से रु. 10 लाख
रूम रेंट की लिमिट As per actual expenses Up to 1% of the sum insured
Pre & Post Hospitalisation 60 days pre-hospitalisation & post-hospitalisation 30 days pre-hospitalisation & post-hospitalisation
Organ Donor & AYUSH Treatments Covered up to the sum insured Covered up to the sum insured
Modern Treatment Methods & Tec Covered up to 50% of the sum insured Covered up to 50% of the sum insured
Sum Insured Reinstatement Bene 100% of the base sum insured कवर नहीं किया गया है
हॉस्पिटल कैश बेनिफिट INR 500 per day (for each 24-hour hospitalisation) INR 300 per day (for each 24-hour hospitalisation)
रोड एम्बुलेंस कवर Up to INR 3,000 per hospitalisation Up to INR 1,500 per hospitalisation

पॉलिसी डॉक्यूमेंट डाउनलोड करें

Get instant access to your policy details with a single click.

Expand the Coverage Today!

Respect Rider(Senior Citizen)

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Emergency assistance for senior citizens

Designed for senior citizens

Starting from

रु. 907 + GST

अभी खरीदें

Health Prime Rider (OPD)

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Tele, In-Clinic Doctor Consultation and Investigation

Dental, Nutrition and Emotional Wellness

Starting from

रु. 298 + GST

अभी खरीदें

Loss of Income Cover

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Guaranteed pay-out for hospitalization

Guard against accidental injury or illness

Starting from

रु. 148 + GST

अभी खरीदें

Major illness/ Accident Multipier

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Indemnity cover

Doubles the sum insured benefit

Starting from

रु. 171 + GST

By Now

Wellness Supervisor

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

How To List

To make sure that we are always listening to our customers,

कैसे खरीदें

  • 0

    Visit Bajaj Allianz website

  • 1

    निजी जानकारी दर्ज करें

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    हेल्थ इंश्योरेंस प्लान्स की तुलना करें

  • 3

    Select suitable coverage

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    Check discounts & offers

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    Add optional benefits

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    Proceed to secure payment

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    Receive instant policy confirmation

How to Renew

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    Login to the renewal portal

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    Enter your current policy details

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    Review and update coverage if required

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    Check for renewal offers

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    Add or remove riders

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    Confirm details and proceed

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    Complete renewal payment online

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    Receive instant confirmation for your policy renewal

How to Claim

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    Notify Bajaj Allianz about the claim

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    Submit all the required documents

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    Choose cashless or reimbursement mode for your claim

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    Avail treatment and share required bills

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    Receive claim settlement after approval

How to Port

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    Check eligibility for porting

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    Compare new policy benefits

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    Apply before your current policy expires

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    Provide details of your existing policy

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    Undergo risk assessment by Bajaj Allianz

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    Receive approval from Bajaj Allianz

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    Pay the premium for your new policy

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    Receive policy documents & coverage details

इंश्योरेंस समझो

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  • Customised plans that grow with you
  • Proactive coverage for future milestones
  • Expert advice tailored to your profile
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What Our Customers Say

कैशलेस क्लेम

Excellent service for your mediclaim cashless customers during COVID. You guys are true COVID warriors, helping patients by settling claims during these challenging times.

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अरुण सेकसरिया

मुंबई

4.5

29th May 2021

तुरंत रिन्यूअल

I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.    

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विक्रम अनिल कुमार

मुंबई

4.5

27th Jul 2020

तेज़ क्लेम सेटलमेंट

Good claim settlement service, even during the lockdown, has enabled me to sell the Bajaj Allianz Health Policy to more customers.

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पृथ्वी सिंह मियान

पुणे

4.5

27th Jul 2020

Instant Policy Issuance

Very user-friendly. I got my policy in less than 10 minutes.

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जयकुमार राव

भोपाल

4.7

25th May 2019

अक्सर पूछे जाने वाले प्रश्न

What is AYUSH benefit under the Family Health Care plan?

If you are hospitalised for at least 24 hours in an AYUSH hospital, either a government facility or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health on a doctor's advice due to illness or accidental injury during the policy period, we will cover your expenses.

What is the cumulative bonus under the Family Health Care policy?

If you renew your Family Health Care policy with us without any break and make no claims in the previous year, we will increase your sum insured by 10% annually. This cumulative bonus is capped at five years or 50% of your original policy’s sum insured, whichever is lower.

What are the conditions for the portability of the Family Health Care

The insured beneficiary can port the policy to another insurer, including all family members, by applying at least 45 days but no earlier than 60 days before renewal, as per IRDAI portability guidelines. If continuously covered without lapses under any Indian health insurance policy, they will retain accrued continuity benefits for waiting periods

What is the coverage for organ donor expenses under the Family Health

We will cover expenses for a major organ transplant, including organ harvesting, provided the donor complies with The Transplantation of Human Organs (Amendment) Bill, 2011, and the organ is for the insured person. Coverage applies only if we approve an inpatient hospitalisation claim for the insured. These expenses are included within the chosen

What is the hospital cash benefit under the Family Health Care plan?

If you are hospitalised on a doctor's advice, as defined in the policy, due to an illness or accidental bodily injury sustained or contracted during the policy period, we will pay you a daily allowance of ₹300 per day for each continuous 24-hour hospitalisation. This benefit is capped at a maximum of 30 days per policy period.

आपके स्वास्थ्य के लिए मेडिकल इंश्योरेंस क्यों आवश्यक है?

मेडिकल इंश्योरेंस अप्रत्याशित मेडिकल खर्चों से फाइनेंशियल सुरक्षा प्रदान करते हैं, जिससे यह सुनिश्चित होता है कि आपकी जेब पर असर डाले बिना आपको गुणवत्तापूर्ण स्वास्थ्य सुविधाएं प्राप्त होंगी.

How many dependent members can I add to my family health insurance pla

पॉलिसी की शर्तों के अनुसार आप अपने जीवनसाथी, बच्चों और अन्य आश्रितों को जोड़ सकते हैं, जो कम्प्रीहेंसिव फैमिली कवरेज सुनिश्चित करता है.

Why should you compare health insurance plans online?

ऑनलाइन तुलना करने से आपको अपनी ज़रूरत और बजट के मुताबिक सर्वश्रेष्ठ प्लान चुनने में सहायता मिलती है, ये कवरेज और इसके लाभ को स्पष्ट रूप से समझाते हैं.

Why should you never delay the health insurance premium?

प्रीमियम में देरी करने से पॉलिसी समाप्त हो सकती है, जिससे कि आपको कवरेज और फाइनेंशियल सुरक्षा खोने का नुकसान होता है और पॉलिसी रिन्यू करवाने में दिक्कत आ सकती है.

How to get a physical copy of your Bajaj Allianz General Insurance Com

इंश्योरेंस प्रदाता से फिज़िकल कॉपी का अनुरोध करें या ईमेल द्वारा प्राप्त डिजिटल पॉलिसी डॉक्यूमेंट का प्रिंटआउट लें.

Is there a time limit to claim health cover plans?

अस्वीकृति से बचने और समय पर प्रोसेसिंग सुनिश्चित करने के लिए, पॉलिसी में निर्धारित शर्तों के अनुसार निर्दिष्ट समयसीमा के भीतर क्लेम करना आवश्यक है.

What exactly are pre-existing conditions in an Individual Health Insur

पहले से मौजूद बीमारियां ऐसी मेडिकल स्थिति हैं, जो इंडिविजुअल हेल्थ इंश्योरेंस प्लान खरीदने से पहले आपको हुई हैं. इनके कवरेज के लिए प्रतीक्षा अवधि या एक्सक्लूज़न की ज़रूरत हो सकती है. अपनी हेल्थ हिस्ट्री के विषय में पारदर्शिता बरतें.

इंश्योरेंस प्रदाता किस तरह से मेरे हॉस्पिटल बिलों का भुगतान करेंगे?

इंश्योरेंस प्रदाता रीइम्बर्समेंट (आप तत्काल भुगतान करते हैं और बाद में रीइम्बर्समेंट प्राप्त होता है) या कैशलेस हॉस्पिटलाइज़ेशन (इंश्योरेंस प्रदाता सीधे नेटवर्क हॉस्पिटल के साथ बिलों को सेटल करते हैं) के ज़रिए हॉस्पिटल बिलों का भुगतान करते हैं.

Are there any tax advantages to purchasing Individual Health Insurance

इंडिविजुअल हेल्थ इंश्योरेंस प्रीमियम अक्सर इनकम टैक्स एक्ट (इंडिया) के सेक्शन 80D के तहत टैक्स कटौती के लिए पात्र होते हैं.

मुझे पर्सनल मेडिकल इंश्योरेंस की आवश्यकता क्यों है?

पर्सनल मेडिकल इंश्योरेंस बीमारी, दुर्घटना और हॉस्पिटलाइज़ेशन के कारण होने वाले आकस्मिक मेडिकल खर्चों से फाइनेंशियल सुरक्षा प्रदान करता है. यह मन की शांति प्रदान करता है और आपकी बचत की सुरक्षा करता है.

मैं हेल्थ इंश्योरेंस प्लान को कैसे रिन्यू करूं?

जीवन में छोटी-छोटी बातों पर ज़ोर न दें! अपनी लाइफ इंश्योरेंस पॉलिसी को रिन्यू करने का सबसे आसान और तेज़ तरीका ऑनलाइन है. अपने हेल्थ कवर को टॉप करने से आपको भारी मेडिकल खर्चों के बारे में चिंता करने से मुक्ति मिलती है.

हेल्थ इंश्योरेंस रिन्यूअल प्रीमियम की गणना कैसे की जाती है?

हम जानते हैं कि किसी हेल्थ इंश्योरेंस पॉलिसी के नियम और शर्तों को पूरा पढ़ना हमेशा आसान नहीं होता है. इसलिए, आपके लिए यहां कुछ ज़वाब दिए गए हैं. आपके रिन्यूअल प्रीमियम का कैलकुलेशन आपकी उम्र और कवरेज के आधार पर किया जाता है. हमेशा की तरह, आप जितना जल्दी हो सके, हेल्थ इंश्योरेंस में निवेश करके कंपाउंडिंग का लाभ उठा सकते हैं.

क्या अपनी समाप्त हो चुकी हेल्थ इंश्योरेंस पॉलिसी रिन्यू की जा सकता है?

Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo

क्या हेल्थ इंश्योरेंस को ऑनलाइन रिन्यू किया जा सकता है?

बेशक! अपने हेल्थ इंश्योरेंस को रिन्यू करने के लिए आपको बस कुछ क्लिक या टैप करना होगा! आप निश्चित रूप से हेल्थ इंश्योरेंस पॉलिसी को ऑनलाइन रिन्यू कर सकते हैं और अपने परिवार और दोस्तों के लिए नई पॉलिसी भी खरीद सकते हैं.

Will I be able to transfer my health insurance policy from another pro

हां, आईआरडीएआई के नियमों के अनुसार, प्रोवाइडर के बीच इंश्योरेंस पोर्टेबिलिटी की अनुमति है. इसमें संचयी बोनस, पहले से मौजूद बीमारियों के लिए वेटिंग पीरियड संबंधी क्रेडिट जैसे लाभ का ट्रांसफर भी शामिल है.

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फैमिली हेल्थ इंश्योरेंस क्या है?

Family health insurance, or a family mediclaim policy, provides comprehensive health coverage for all family members under a single plan. These health insurance policies for families are designed to offer financial protection against medical expenses arising from hospitalisations, surgeries, and other treatments. Family medical insurance plans typically cover immediate family members, including spouses, children, and sometimes parents. Opting for health insurance plans for your family ensures that you and your loved ones are safeguarded against unexpected medical costs, promoting better health and peace of mind.

हेल्थ इंश्योरेंस की प्रमुख विशेषताएं और लाभ

Read on to learn more about the features of this policy:

- Platinum Plan: Super cumulative bonus of 50% per claim-free year

- रीचार्ज लाभ: क्लेम की राशि आपकी इंश्योर्ड की गयी धनराशि से ज्यादा होने पर क्लेम रियायत की सुविधा

- Multiple Sum Insured Options: Enjoy the flexibility to choose between 3 plan variants along with the Sum Insured options ranging from INR 1.5 Lakh to 1 crore

- इमीडियेट फैमिली कवर: यह नीति आपको, आपके जीवनसाथी और आपके बच्चों को कवर करती है.

- Ayurvedic and Homoeopathic Treatment: Under the Gold & Platinum Plan, the policy covers in-patient hospitalisation expenses (up to INR 20,000) incurred in a recognised Ayurvedic/homoeopathic hospital where the admission period is not less than 24 hours.

- Daycare Procedures Cover: Medical expenses incurred during the treatment of listed daycare procedures or surgeries are covered under this policy.

- Convalescence Benefit: In case of continuous hospitalisation of more than 10 days, you will be eligible for a benefit payout of up to INR 7500 per year, provided the hospitalisation claim is admissible.

- Bariatric Surgery Cover: Bariatric surgery is covered under medical advice and is subject to specific terms and conditions.

- Sum Insured Reinstatement: If your sum insured and the cumulative bonus (if any) have been completely exhausted during the policy year, we will reinstate it.

- Pre and Post-Hospitalisation: The policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.

- Road Ambulance Cover: This policy covers ambulance expenses incurred up to Rs. 20,000 during per policy period

- Organ Donor Expenses Cover: Expenses towards organ donors' treatment for harvesting donated organs are covered under this policy.

- Daily Cash Benefit: A daily cash benefit of INR 500 per day, for up to 10 days during each policy year, will be payable as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy for an admissible claim.

- Maternity/Newborn Baby Cover: Maternity expenses and medical expenses towards the treatment of a newborn baby are covered under the policy and are subject to specific terms and conditions. This feature is available under the Gold & Platinum Plan.

आपकी फैमिली हेल्थ इंश्योरेंस पॉलिसी के साथ मिलने वाले अतिरिक्त लाभ

हमारा फैमिली हेल्थ इंश्योरेंस आपके और आपके प्रियजनों के लिए विभिन्न लाभ प्रदान करता है:

1) Wellness benefit

Maintain good health & get rewarded with a wellness benefits discount of up to 12.5% on your renewal.

2) Renewability

यह पॉलिसी आजीवन रिन्यूअल के लाभ के साथ आती है.

3) Tax Saving

Income tax benefits are available under Section 80D of the Income Tax Act.


*On opting for a Family Health Insurance policy for yourself, your spouse, children and parents, you can avail of INR 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at INR 50,000. Therefore, as a taxpayer, you may maximise tax benefits under Section 80D up to INR 75,000 if you are below 60 and your parents are senior citizens. If you are above 60 and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is INR 1 lakh.

4) Hassle-free Claim Settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 18,400+ network hospitals* across India. This comes in handy in case of hospitalisation or treatment wherein we pay the bills directly to the network hospital, and you can focus on recovering and getting back on your feet.

5) Preventive Health Check-up

At the end of a block of every continuous period, as mentioned in coverage during which You have held Our Health Guard Policy, You are eligible for a free Preventive Health checkup.

6) Portablity Benefit

Suppose you and your loved ones are insured under any other family health insurance policy. In that case, you can switch to this policy with all accrued benefits after due allowances for waiting periods and enjoy the available benefits of the policy.

7) Long-Term Policy

This policy can be purchased for 1, 2 or 3 years.

8) Discount on Policy

Avail long-term policy discount of 4% for 2 years and 8% for 3 years.

Top Reasons to Choose Health Guard Policy by Bajaj Allianz Health Insurance Company

Bajaj Allianz General Insurance Company Health Guard Policy is one of the best family health insurance plans due to its extensive benefits and features.

व्यापक लाभ और सुविधाएं:

✓ कई सम इंश्योर्ड विकल्प.
✓ तुरंत फैमिली कवरेज.
✓ आयुष ट्रीटमेंट शामिल है.

विशिष्ट लाभ:

✓ सम इंश्योर्ड के लिए रीचार्ज लाभ.
✓ सम इंश्योर्ड रीइंस्टेटमेंट.
✓ डे-केयर प्रोसीजर के लिए कवरेज.

अतिरिक्त कवरेज:

✓ मैटरनिटी/नवजात शिशु के लिए कवर.
✓ बैरिएट्रिक सर्जरी कवर.
✓ स्वास्थ्य लाभ.

संपूर्ण कवरेज:

✓ पूरे परिवार के लिए कम्प्रीहेंसिव हेल्थ इंश्योरेंस प्लान.

फैमिली हेल्थ इंश्योरेंस क्लेम प्रोसेस

क्लेम बाय डायरेक्ट क्लिक (CDC)

Bajaj Allianz General Insurance Company has introduced an app-based claim submission process known as Health Claim by Direct Click.

This facility allows you to register and submit documents through the app for claims up to Rs 20,000.

आपको क्या करने की आवश्यकता है:

1) Register your policy and card number in the Insurance Wallet App.

2) Register your policy and health card number in the app.

3) Register the claim.

4) Fill the claim form and arrange for the hospital-related documents.

5) Upload the documents using the app menu.

6) Submit the claims for further processing.

7) Get confirmation within a few hours.

कैशलेस क्लेम प्रोसेस (केवल नेटवर्क हॉस्पिटल में उपचार के लिए लागू):

Cashless facilities at network hospitals are available 24/7 throughout the year without interruption. You must check the hospital list before getting admitted to the hospital. Hospitals that provide cashless settlements are liable to change their policy without notice. The updated list is available on our website and with our call centre. The Health Card by Bajaj Allianz General Insurance Company and government ID proof,f are mandatory when availing of the cashless facility.

जब आप कैशलेस दावों का विकल्प चुन रहे हैं, तो प्रक्रिया इस प्रकार है:

- इलाज करने वाले डॉक्टर / अस्पताल द्वारा पूर्व-अधिकृत रिक्वेस्ट फॉर्म भरा जाए और उस पर हस्ताक्षर किया जाए और अस्पताल के बीमा डेस्क पर आपके या परिवार के किसी सदस्य द्वारा हस्ताक्षर किए गए हों.

- नेटवर्क अस्पताल एचएटी को अनुरोध को फैक्स करेगा.

- HAT डॉक्टर प्री-ऑथराइज़ेशन अनुरोध फॉर्म की जांच करेंगे और पॉलिसी के दिशानिर्देशों के अनुसार कैशलेस उपलब्धता पर निर्णय लेंगे.

- प्लान और उसके लाभों के आधार पर प्राधिकरण पत्र (एएल)/इनकार पत्र/अतिरिक्त आवश्यकता पत्र 3 घंटे के भीतर जारी किया जाता है.

- At the time of discharge, the hospital will share the final bill and discharge details with HAT, and based on their assessment, the final settlement will be processed.

नोट करने के लिए महत्वपूर्ण बातें:

- In case of planned hospitalisation, register/reserve your admission per the network hospital’s procedure for admission in advance.

- Admission at a network hospital is subject to the availability of a bed.

- कैशलेस सुविधा हमेशा आपकी पॉलिसी के नियम और शर्तों के अधीन होती है.

- पॉलिसी निम्नलिखित को कवर नहीं करती हैं :

- Telephone charges

- रिश्तेदारों के लिए खाने-पीने के खर्चे

- टॉयलेटरीज़

- You must pay for the above services directly to the hospital before discharge.

- In-room rent nursing charges are included. However, you will bear the incremental charges if a higher-cost room is used.

- If the treatment is not covered per the policy terms and conditions, your claim, cashless or reimbursement, will be denied.

- Pre-authorisation for a cashless claim can be denied in case of inadequate medical information.

- The denial of the cashless facility does not mean denial of treatment and does not prevent you from seeking necessary medical attention or hospitalisation.

अस्पताल में भर्ती होने से पहले/बाद के खर्चों का रीइम्बर्समेंट:

Relevant medical expenses incurred before admission and after hospital discharge will be reimbursed per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance Company along with the duly signed claim form.

रीइंबर्समेंट क्लेम प्रोसेस

रीइंबर्समेंट क्लेम प्रोसेस (गैर-नेटवर्क अस्पताल के मामले में)

- हॉस्पिटलाइज़ेशन के बारे में BAGIC HAT टीम को सूचित करें.

- To register your claim online, click here

- अपना क्लेम ऑफलाइन रजिस्टर करने के लिए, कृपया हमें हमारे टोल-फ्री नंबर पर कॉल करें: 1800-209-5858.

- After discharge, you or a family member must submit the following documents to the HAT within 30 days:

- मोबाइल नंबर और ईमेल आईडी के साथ विधिवत भरा और हस्ताक्षरित क्लेम फॉर्म.

- हॉस्पिटल का ओरिजनल बिल एवं भुगतान की रसीद.

- तहकीकात प्रतिवेदन

- डिस्चार्ज कार्ड

- प्रिस्क्रिप्शन

- मूल नुस्खे और औषधालय बिल

- Details of pre-hospitalization expenses (if any)

- अंतरंग रोगी के कागजात, यदि आवश्यक हो.

- All documents are to be sent to HAT for further processing, and based on the assessment, the final settlement will be done within 10 working days.

- Post-hospitalisation claim documents must be sent within 90 days from discharge.

रीइम्बर्समेंट क्लेम के लिए आवश्यक डॉक्यूमेंट:

● The original pre-numbered hospital payment receipt is duly sealed and signed.

● Original prescriptions and pharmacy bills.

● Original consultation papers (if any).

● Original investigation and diagnostic reports, bills, and payment receipts for the investigation done within and outside the hospital.

● If you or a family member availed a cashless claim but did not utilise it, a letter from the hospital stating so.

● A letter from the treating doctor mentioning incident details (in case of an accident).

● Hospital registration certificate and hospital infrastructure on the letterhead.

● A cancelled cheque bearing the IFSC code and name of the insured.

● An indoor case paper copy was attested from the hospital from admission to discharge, with a detailed medical history, doctor’s notes, and temperature, pulse, and respiration charts.

● X-ray films (in case of a fracture).

● Obstetric history from treating doctor (in maternity cases).

● FIR copy (in accident case).

● Additional requirements for some exceptional cases:

● In case of a cataract operation, a lens sticker with a bill copy.

● In case of surgery, use an implant sticker with a copy of the bill.

● In case of a heart-related treatment, a stent sticker with a bill copy.

सभी मूल दस्तावेजों को निम्नलिखित पते पर जमा करना होगा:

हेल्थ एडमिनिस्ट्रेशन टीम

बजाज आलियांज हाउस, एयरपोर्ट रोड, यरवदा, पुणे -411006

लिफाफे पर अपना पॉलिसी नंबर, हेल्थ कार्ड नंबर और मोबाइल नंबर स्पष्ट रूप से लिखें.

नोट: अपने रिकॉर्ड के लिए दस्तावेजों और कूरियर संदर्भ संख्या की एक फोटोकॉपी रखें.

फैमिली हेल्थ इंश्योरेंस प्लान खरीदने से पहले इन बातों पर विचार करें

Selecting the best health insurance plan for a family requires careful consideration of factors that impact coverage and affordability.

1) Sum Insured :

परिवार के सभी सदस्यों, विशेष रूप से पहले से मौजूद बीमारियों या विशिष्ट मेडिकल आवश्यकताओं को कवर करने के लिए पर्याप्त सम इंश्योर्ड चुनें.

2) Premium Costs :

सम इंश्योर्ड और परिवार के सबसे बड़े सदस्य की आयु के साथ प्रीमियम बढ़ जाते हैं. एक किफायती विकल्प चुनें, जो आपके बजट को बढ़ाए बिना कम्प्रीहेंसिव सुरक्षा प्रदान करता हो.

3) Network Hospitals :

बजाज आलियांज़ जनरल इंश्योरेंस कंपनी के पास पूरे भारत में हॉस्पिटल्स का एक विस्तृत नेटवर्क है, जो एमरजेंसी के दौरान भुगतान के बोझ को कम करने के लिए कैशलेस ट्रीटमेंट प्रदान करती है.

4) Pre and Post-Hospitalisation Coverage :

यह सुनिश्चित करें कि आपके प्लान में हॉस्पिटलाइज़ेशन से पहले और बाद में डॉक्टर की विज़िट, डायग्नोस्टिक टेस्ट और दवाओं के खर्च शामिल हैं.

5) Daycare Procedures :

चेक करें कि डे-केयर ट्रीटमेंट कवर किए जाते हैं या नहीं, क्योंकि इनके लिए 24-घंटे के हॉस्पिटल में रहने की आवश्यकता नहीं होती है लेकिन यह महंगा हो सकता है.

6) Ambulance Services :

कन्फर्म करें कि क्या एम्बुलेंस शुल्क शामिल हैं, क्योंकि ये एमरजेंसी स्थितियों में या प्लान किए गए ट्रीटमेंट के लिए मूल्यवान सहायता प्रदान कर सकते हैं.