Bajaj Allianz Health Infinity Health Insurance
Claim Settlement Ratio | 92.24% |
Network Hospitals | 7,000+ |
Pre-existing Disease Waiting Period | 2 years |
Starting Premium for Rs. 5 lakhs SI | Rs. 364/month |
About Bajaj Allianz Health Infinity Health Insurance
Bajaj Allianz Health Infinity Policy is an indemnity based health insurance policy that offers comprehensive benefits at competitive premiums to you and your family. In the case of an unfortunate event of hospitalisation for an illness or injury, the policy compensates you for the expenses incurred. The minimum entry age for proposer, spouse, and dependent parents is 18 years, whereas the maximum entry age for them is 65 years. You can also cover dependent children aged between 3 months and 25 years, under the policy. Available for Indian nationals only, the policy can be purchased for 1 year, 2 years, or 3 years.
Health Infinity is an individual policy that comes without any limit on the sum insured. The policy offers several coverage benefits to the insured including cover for daycare procedures, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, etc. The good news is that there is no requirement for pre-policy medical tests up to 45 years of age (subject to clean proposal form). Also, the premium for this policy can be paid on an annual (for long-term policies), half-yearly, quarterly, or monthly basis, as per your convenience. Also, note that the premium paid for Health Infinity Policy is eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- Pre-hospitalisation and post-hospitalisation expenses for 60 days and 90 days respectively
- Road ambulance expenses for up to Rs. 5,000 per hospitalisation
- Coverage for daycare procedures
- Preventive health check-up after every block of 3 years
What's Not Included
- Any dental treatment consisting of cosmetic surgery, dental implants, dentures, etc.
- Expenses related to admission solely for investigation and evaluation purpose
- Admission for the purpose of rest cure, rehabilitation and respite care
- Expenses related to treatment required due to hazardous or adventure sports
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FAQs on Health Infinity Policy Health Insurance Plan
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What is the premium paying term under Hospital Cash Daily Allowance Policy offered by Bajaj Allianz General Insurance?
The annual premium payment for a policy of 1 year term and for long term policies with terms of 2 years or 3 years will be collected at the time of risk inception and renewal also.
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What all is covered under in-patient hospitalisation expenses under Health Infinity Policy offered by Bajaj Allianz General Insurance?
Following expenses are covered under Health Infinity Policy offered by Bajaj Allianz General Insurance:
- Room rent expenses up to the per day room rent limit opted.
- If admitted in ICU, the company will cover you for the expenses as provided by the hospital
- Nursing expenses
- Fees of Surgeon, Anaesthetist, Consultants, Medical Practitioner, etc.
- Expenses related to blood, oxygen, anaesthesia, drugs, consumables, medicines, surgical expenses, etc.
- Dialysis, chemotherapy, physiotherapy, radiotherapy, etc.
- Cost of artificial limbs, expenses related to prosthetic devices implanted at the time of surgical procedures such as pacemaker, vascular stents, orthopedic implants, infra cardiac valve replacements, etc.
- Laboratory diagnostic tests, x-ray and other expenses as prescribed by the treating medical practitioner.
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What are the waiting periods under the Health Infinity Policy offered by Bajaj Allianz General Insurance?
Health Infinity Policy offered by Bajaj Allianz General Insurance comes with the following waiting periods:
- Waiting period for pre-existing diseases: 36 months
- Waiting period for specific diseases: 24 months
- Waiting period for medical and surgical treatment of specific illness surgical procedures: 36 months. These include cataracts, fibromyoma, fissure in ano, etc.
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Who all can be covered under the Health Infinity Policy offered by Bajaj Allianz General Insurance?
Health Infinity Policy offered by Bajaj Allianz General Insurance covers you, your legally wedded spouse, dependent children, and parents under individual option.