Bajaj Allianz Surgical Protection Health Insurance Wordings

Under this plan, one can be insured from the age of 18 years to 65 years. But, you can insure your children from the age of 3 months to the age of 25 years. 

The plan allows the coverage for many relations such as spouse, your dependent children and dependent parents, apart from the proposer. 

No, you are not required to undergo any medical tests up to the age of 45 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. The pre-policy check-up would be arranged at the empanelled diagnostic centres of Bajaj Allianz.

Yes, you can renew your policy throughout your lifetime, provided the insurance company has received your application for renewal and the renewal premium before the due date or within a maximum of 30 days from such date.

Yes, if you buy this policy, in addition to in-built features some optional covers can be availed on paying an additional payment. These are as follows:
A) Hospital Cash Daily Allowance
B) Critical Illness Cover
C) Personal Accident Cover

In addition to these benefits, the plan also offers the following additional benefits:
1) Transportation Benefit
2) Children’s Education Benefit

Sum Insured enhancement is allowed only during the period of renewals. Also, this enhancement would be subject to the underwriting approval based on the declaration on the proposal form and previous claims experience.

The cashless facility can be availed in 3600+ network hospitals of Bajaj Allianz for Surgical Benefit Cover.

Yes, this policy offers different sort of discounts under different sections such as Retail Surgical Protection Plan Discounts and discount applicable for Group Surgical Protection Plan. Here are some of those segments and the respective discounts offered under them:

A) Retail Surgical Protection Plan Discounts
1. Discount applicable for New Business for online policies
a) Family Discount 
b) Good Health Discount
c) Online Policy Discount

2) Discount applicable for online renewal policies
a) Family Discount 
b) Online Policy Discount

3) Discount applicable for new business through all other marketing channels except online policies
a) Family Discount 
b) Good Health Discount

4) Discount applicable for Renewal through all other Marketing channels (Except online policies)
a) Family Discount

B) Discount applicable for Group Surgical Protection Plan
a) Good Health Discount
b) Discount offered in lieu of group size

Yes, you can get the exemption on the premium amount paid for this Surgical Protection Plan under Sec 80D of the IT Act, except for Personal Accident Cover.