Expenses Covered
- In-patient Hospitalisation Treatment
- Pre-Hospitalisation
- Post-Hospitalisation
- Road Ambulance
- Day Care Procedures
- Organ Donor Expenses
- Preventive Health Check Up
- Ayurvedic / Homeopathic Hospitalisation Expenses
Members Covered
Individual Policy -Self, Spouse, Dependent Children, Grandchildren, Parents, Sister, Brother, Parents In law, Grand Parents
Floater Policy -Self, Spouse, Dependent Children, for Parents, Parents In law, separate floater policy can be taken.
Age Criteria
Proposer/ Spouse/ Dependent Parents/ Sister/ Brother/Parent In law/Grand Parents – 18 years to lifetime.
Sum Insured Options
| Individual—– Policy | ||||||||
| 50000 | 75000 | 100000 | 150000 | 200000 | 300000 | 400000 | 500000 | 1000000 |
| Floater Policy | ||||
| 200000 | 300000 | 400000 | 500000 | 1000000 |
Discounts
Long Term Policy Discount
- 4% discount is applicable if policy is opted for 2 years
- 8% discount is applicable if policy is opted for 3 years
Loading due to adverse Health Conditions
The loading would be applicable on per individual basis for the proposals with adverse health conditions given below: Hypertension, Diabetes, Obesity, Cholesterol Disorder, Cardiovascular diseases, or multiple risk factors.
| Condition | Loading on premium of the Individual |
| Diabetes | 5% |
| Hypertension | 5% |
| Cholesterol Disorder | 5% |
| Obesity | 5% |
| Cardiovascular diseases | 5% |
Zone wise premiums
| Zone A | Zone B |
| Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat. | Rest of India apart from Zone A cities are classified as Zone B. |
Waiting Period
| Details of Waiting Period | Duration |
| All treatments except Accidental injuries | 30 days |
| Any types of gastric or duodenal ulcers, Surgery of varicose veins and varicose ulcers, hydrocele, etc | 12 months |
| Any Pre-existing condition | 24 months |
| Specific diseases like-Hernia of all types, Hysterectomy, All types of sinuses etc | 24 months |
| Joint replacement surgery, Hypertrophied turbinate etc | 48 months |
Call us for getting personalized quotes on Bajaj Allianz Health Ensure Policy.
