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
Floater Policy


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.

ConditionLoading on premium of the Individual
Cholesterol Disorder5%
Cardiovascular diseases5%

Zone wise premiums

Zone AZone 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 PeriodDuration
All treatments except Accidental injuries30 days
Any types of gastric or duodenal ulcers, Surgery of varicose veins and varicose ulcers, hydrocele, etc12 months
Any Pre-existing condition24 months
Specific diseases like-Hernia of all types, Hysterectomy, All types of sinuses etc24 months
Joint replacement surgery, Hypertrophied turbinate etc48 months

Call us for getting personalized quotes on Bajaj Allianz Health Ensure Policy.

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