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Bajaj Allianz Health Ensure Health Insurance

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Bajaj Allianz Health Insurance
Health Ensure
Claim Settlement Ratio92.24%
Network Hospitals7,000+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Health Ensure Health Insurance

When it comes to treatment, everyone wants to give the best of facilities to family members. Their sound health is of supreme importance; hence, we all want to own the best when it comes to medical insurance. The Bajaj Allianz’s Health Ensure Policy is available with comprehensive benefits at competitive premiums. It is a perfect product to cover the medical expenses of you and your family in case of unfortunate event of hospitalisation for illness or injury. It offers various salient features that can look after anybody and everybody, which means that this plan gives the coverage on an individual and a family floater basis and can be taken for 1, 2 or 3 years.

For delivering proper and comprehensive coverage to its policyholders, the plan offers the sum insured options under this individual policy within a range of Rs. 50,000 to Rs. 10 Lakh, and between the range of Rs. 2 Lakh and Rs. 10 Lakh under the floater policy. Anyone who is of 18 years and above can be a proposer of this plan as this plan doesn’t own any exit age and comes with lifetime renewability. Though, the minimum entry age for a dependent child or grandchild is 3 months which goes to 30 years. The plan boasts of giving coverage to almost every close relationship like spouse, dependent parents, sister, brother, parent-in-law, grandparents, and child or grandchild.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation treatment
  • Preventive health check-up is offered
  • Cover for daycare procedure is available
  • Pre and post hospitalisation expenses
  • Ayurvedic or homeopathic hospitalisation costs

What's Not Included

  • Experimental or unproven treatment
  • Treatment of mental or psychiatric illness
  • Treatment related to intentional self-injury
  • Weight management services and treatment
  • Any form of plastic surgery unless necessary

5639 Bajaj Allianz Cashless Network Hospitals in India

Choose Bajaj Allianz Critical Illness Plan

Health Ensure User Reviews

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Bajaj Allianz Health Ensure Expert Review

  • Expert Review

    This Health Ensure Policy understands the prominence of health; therefore, it provides extensive coverage and excellent benefits to its customers. The plan is designed to look after almost every close relative of the family such as spouse, kids, siblings, parents, grandchildren, grandparents and parents-in-law, with the entry age of 18 years and no exit age. In addition to these, the plan holds some discount offers too, which makes it a beneficial health product. The sum insured options offered under it ranges between Rs. 50,000 and Rs. 10 Lakh that enables the customers to afford the plan as per their requirement easily.  
     
    The cashless coverage and hospitalisation for this plan are offered in 6,000+ network hospitals. This Health Ensure Plan is equipped with a brilliant set of features which comprise of in-patient hospitalisation treatment, pre and post hospitalisation expenses, road ambulance, daycare procedure expenses, ayurvedic & homoeopathic treatment coverage and so on. It is offered on an individual as well as a family floater basis that can be taken for 1, 2 and 3 years. These features and offerings enhance its value and turn this plan become a great option for every health insurance seeker. 

  • Major Attractions

    The Health Ensure Policy is known for delivering every possible benefit to its policyholders. Although, it is a plan that requires a medical examination for people who are above the age of 50 years for providing the coverage under this health plan, still, this plan manages to gain the attraction of the most of the health insurance seekers. Here are some elements of this health plan that keeps it stay in the limelight:

    • In-patient hospitalisation cost
    • Policy period of 1, 2 and 3 years
    • Pre and post hospitalisation expenses
    • Preventive health check-up coverage 
    • Cover for daycare procedure is available
    • Ayurvedic and homoeopathic treatment expenses
    • Expenses related to an emergency road ambulance
    • Availability of coverage for organ donor expenses

     

  • What’s More?

    The Health Ensure Policy renders a lot of benefits to ensure the health and happiness of its policyholders. If you think that its contribution is limited to features only, you are wrong. This plan holds some additional components too, which enhances its utility and impresses new as well as existing customers. Here are some of those merits:

    • Availability of lifelong renewability option
    • 5% Cumulative bonus for each claim-free year
    • 4% and 8% long term policy discount is available,
    • No medical examination up to the age of 50 years
    • Tax benefits can be gained on the premium paid
  • Conclusion

    This is a plan which is framed with an idea to fulfil the medical need of almost everyone in a family. Besides, the amount of features and benefits this policy owns, prove this policy to be a perfect choice for every health insurance seeker. The reason behind this assurance is the list of benefits and affordable price of this policy which are enough to satisfy any and every policyholder. 
     
    If you are planning to buy this health plan, buy it from insurancedekho.com. It will offer you an experience of easy purchase procedure with the help of their team that will be providing you with a complete, constant and dedicated support for the claim settlement process, common inquiries, comparison of plans and so on. Hence, take your family on a healthy ride with this plan via insurancedekho.com. 

Bajaj Allianz Health Ensure Brochure

  • 971.23 KB
  • PDF Document
  • Oct 22, 2019

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Ensure Health Insurance Plan

  • What are the sum insured options available under this Health Ensure Plan?

    The Health Ensure Policy is offered on an individual and family floater basis. The SI ranges between Rs. 50,000 to Rs. 10 Lakh under the individual plan and between Rs. 2 Lakh and Rs. 10 Lakh under the floater policy.

  • What are the entry and exit age applicable under this plan?

    The policy has the entry age of 18 years with no exit age. However, it provides coverage for dependent kids from the age of 3 months to 30 years. 

  • What are the relations that can get the coverage under this policy?

    The plan allows the coverage for many relations such as spouse, dependent parents, sister, brother, parent-in-law, grandparents, and child or grandchild.

  • Does Health Ensure Plan offer any discount to its policyholders?

    Yes, the plan provides three types of discounts to policyholders which are as follows:

    A) Employee Discount: 20% discount on published premium rates to employees of Bajaj Allianz & its group companies, this discount is applicable only if the policy is booked in direct office code. This discount is not applicable to Online/Direct Customers.
     
    B) Online Discount/Direct Customer Discount: 5% discount is extended for the policies purchased online/through the website and to direct customers. This discount is not applicable to employees.
     
    C) Long Term Policy Discount:
    a) 4% discount is applicable if the policy is opted for 2 years
    b) 8% discount is applicable if the policy is opted for 3 years

  • What is the policy period for this health insurance policy?

    This Health Ensure Plan can be taken for 1 year, 2 years or 3 years. 

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