Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insured individuals to curate the health insurance benefits and components suitable for their family's needs and requirements.
The USPs of My Health Care Plan by Bajaj Allianz are
2X OPD Benefit
SI Options up to 5 Crores
Inbuilt Baby Care Cover
50% Cumulative Bonus
Inbuilt Maternity Cover, and more.
Bajaj Allianz My Health Care Plan offers a wide range of sum insured options between 3 Lakhs to 5 Crores making the plan highly versatile, including multiple features and optional benefits. The plan is available as an individual and family floater plan and can be purchased for a policy term of up to 3 years.
To understand more about how the insurance plan fits your family's requirements read more.
My Health Care Plan Specifications
To understand My Health Care Plan Insurance in detail, take a look at the below table:
Entry Age
18 to 65 Years
Policy Type
Individual and Family Health Insurance
Sum Insured
7.5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr | 2 Cr | 3 Cr | 4 Cr | 5 Cr
Initial Waiting Period*
30 Days Days
Renewability
Lifetime
Policy Term
1 | 2 | 3 Years
*Initial Waiting Period is the time period between the
issuance of the policy and the time it starts actively. During this period, a
policyholder has to wait to avail of the benefits offered under a health insurance
plan.
Read more specifications in the brochure.
Choose Your My Health Care Plan
With wide coverage options available, My Health Care Plan Insurance Plan
allows you to
choose your ideal coverage as per your family’s health requirements. Take a look at the
coverage under every SI option available and choose your ideal coverage:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage
Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative
Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency
Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness
Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Covered
Sub-limits
Covered
What
is Room Rent?
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
What
are ICU Charges?
It is a special hospital department where patients with serious medical conditions are treated.
What
is Pre Hospitalization?
Medical expenses incurred before hospitalisation of the policyholder.
What
is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
What
is Domiciliary Hospitalization?
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
What
is Daycare Treatment?
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
What
are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
.
What
is COVID-19 Treatment?
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
What
is Cataract Treatment?
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
What
is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
What
is Automatic Restoration?
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
What
is Daily Hospital Cash?
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
What
is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
What
is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section deliveries.
What
is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Daycare treatment
What
is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
What
is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
What
is a Modern Treatment?
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
What
is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
What
is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
What
is Compassionate Travel?
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
What
is Global Coverage?
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
What
is E-Consultation?
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
What
is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
What
is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
What
is Vaccination cover?
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
What
is Co-payment?
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
What
is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Bajaj Allianz My Health Care Plan Benefits
The plan offers a plethora of benefits and features to the insured individual when purchasing the plan. We have listed below a few:
Loss of Income Cover
If insured individuals are hospitalized for a minimum of 72 consecutive hours on the advice of a doctor because of any illness or accidental injury during the policy period then a weekly payment is paid to the insured individual as per the policy schedule.
International Emergency Coverage
Insured individuals can avail emergency international coverage incurred for hospitalization outside of India, anywhere across the world for emergency care up to a specified amount as per the policy schedule. However, a mandatory co-payment of 10% will be applicable under this benefit.
Sum Insured Enhancement
Bajaj Allianz My Health Care Plan offers sum insured enhancement benefits at the time of renewal of the policy as per your needs and requirements.
Multiple Discounts
Bajaj Allianz Health Care Plan offers multiple discounts such as a 15% family discount, 8% long-term policy discount, 20% employee discount, 5% online discount, 5% loyalty discount, and wellness discounts.
Accident and Major Illnesses Cover
In case an insured individual is hospitalized on the advice of a medical practitioner due to critical illnesses listed in the policy or due to accidental bodily injuries during the cover period, then the sum insured for such major illnesses or injuries would be increased maximum of up to 2 times of 'inpatient hospitalization treatment' sum insured.
In case an insured individual is hospitalized on the advice of a medical practitioner due to critical illnesses listed in the policy or due to accidental bodily injuries during the cover period, then the sum insured for such major illnesses or injuries would be increased maximum of up to 2 times of 'inpatient hospitalization treatment' sum insured.
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Bajaj Allianz Health Insurance Network Hospitals are present in 31
states
nationwide. With a wide network of hospitals, Bajaj Allianz Health Insurance ensures
that you are
medically secured, irrespective of the city you reside in.
Bajaj Allianz My Health Care Health Sample Premium
For a better understanding of how much premium you need to pay under the My Health Care Insurance, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:
For 2 Adults
Sum Insured (Rs.)
5 L
10 L
20 L
30 L
50 L
Premium Payable
15,180
18,684
23,911
26,425
30,811
For 2A+1C
Sum Insured (Rs.)
5 L
10 L
20 L
30 L
50 L
Premium Payable
17,431
21,437
27,440
30,331
35,343
For 2A+2C
Sum Insured (Rs.)
5 L
10 L
20 L
30 L
50 L
Premium Payable
21,068
25,885
33,149
36,644
42,670
Bajaj Allianz My Health Care Plan Exclusions
Permanent Exclusions
Permanent diseases or health conditions that are not included under the Bajaj Allianz Health Care Plan are:
Obesity and Weight Management
Cosmetic or Plastic Surgeries
Change of Gender Treatments
Sterility and Infertility Treatments
Coverage after Waiting Period
Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
Conclusion
Bajaj Allianz My Health Care Plan is a versatile health plan offering 360-degree protection to customers. On purchasing the health plan you can opt to cover family members along with yourself.
With a plethora of benefits and features, it is an ideal healthcare plan for people who want a highly customizable plan.
With multiple optional covers like loss of income, international medical care, and major illness and accident coverage Bajaj Allianz My health plan provides efficient protection for you and your loved ones.
Explore other Bajaj Allianz Health Insurance
To cater to the different medical needs of an individual & their family,
Bajaj Allianz Health Insurance offers
several Health Plans ranging from senior citizen plans to specialized plans for
autistic
children, to health insurance for cardiac patients, and many more.Take a look below
to Bajaj Allianz Health Insurance plans
explore more:
Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, perm...
Unique Features
Death Cover
EMI Payment Cover
Hospital Cash Benefit
Bajaj Allianz Personal Guard (Pros)
Bajaj Allianz Personal Guard (Cons)
Bajaj Allianz Personal Guard (Other
Benefits)
Bajaj Allianz Personal Guard (Eligibility
Criteria)
Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insu...
Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medic...
Bajaj Allianz Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...
Unique Features
OPD Cover
Senior Citizen Cover
4 Plan Variants
Bajaj Allianz Tax Gain Policy (Pros)
Multiple plan options available
OPD cover
Coverage for senior citizens
Bajaj Allianz Tax Gain Policy (Cons)
ICU charges not covered
Pre-hospitalisation not covered
No coverage for post-hospitalisation
Bajaj Allianz Tax Gain Policy (Other
Benefits)
Bajaj Allianz Tax Gain Policy (Eligibility
Criteria)
We all want to give the best facilities to our families and their sound health is of supreme importance to us; hence, we want to be the best regarding...
Unique Features
Comprehensive Coverage
Cumulative Bonus
Life Long Renewal
Bajaj Allianz Health Ensure (Pros)
Comprehensive coverage
Cumulative bonus
Lifelong renewal
Bajaj Allianz Health Ensure (Cons)
Domiciliary not covered
No coverage for infertility
Sub-limits applicable
Bajaj Allianz Health Ensure (Other
Benefits)
Bajaj Allianz Health Ensure (Eligibility
Criteria)
Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...
Health Care Supreme is a comprehensive health care plan offered by Bajaj Allianz Health Insurance that provides lifetime coverage against the medical ...
Unique Features
Cover 15 Critical Illnesses
Preventive Health Check-ups
Long Term Policy
Bajaj Allianz Health Care Supreme (Pros)
Cover 15 critical illnesses
Preventive health check-ups
Long-term policy
Bajaj Allianz Health Care Supreme (Cons)
Global coverage not available
Domiciliary hospitalisation not covered
No compassionate travel benefits
Bajaj Allianz Health Care Supreme (Other
Benefits)
Bajaj Allianz Health Care Supreme (Eligibility
Criteria)
Bajaj Allianz Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses ...
Bajaj Allianz Health Infinity Plan is a unique health insurance plan. Bajaj Allianz Health Infinity Plan has been designed to give policyholders unlim...
Unique Features
Comprehensive Health Plan
Lifetime Renewability
Quick Claim Process
Bajaj Allianz Health Infinity (Pros)
Comprehensive coverage
Lifelong renewal
Easy and quick claim process
Bajaj Allianz Health Infinity (Cons)
OPD not covered
Infertility treatments not covered
Organ donor coverage not available
Bajaj Allianz Health Infinity (Other
Benefits)
Bajaj Allianz Health Infinity (Eligibility
Criteria)
Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and en...
A versatile policy covering every family member.
Bajaj Allianz Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Av...
Bajaj Allianz Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj Allianz's P...
Unique Features
High sum insured
Death cover
Disability cover
Bajaj Allianz Personal Accident Policy (Pros)
Bajaj Allianz Personal Accident Policy (Cons)
Bajaj Allianz Personal Accident Policy (Other
Benefits)
Bajaj Allianz Personal Accident Policy (Eligibility
Criteria)
Bajaj Allianz Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insurance plan or j...
Bajaj Allianz Extra Care Plus is a super top-up plan launched by Bajaj Allianz that covers all your medical expenses. Bajaj Allianz Extra Care Plus is...
Unique Features
Bajaj Allianz Super Top-Up
Avail High Sum Insured
Entry Age Up To 80 Years
Bajaj Allianz Extra Care Plus (Pros)
High sum insured
Entry age up to 80 years
Cover for family members available
Bajaj Allianz Extra Care Plus (Cons)
AIDS not covered
Self-inflicted injury not covered
Global coverage not available
Bajaj Allianz Extra Care Plus (Other
Benefits)
Bajaj Allianz Extra Care Plus (Eligibility
Criteria)
Bajaj Allianz Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...
Unique Features
43 CI cover
All-stage cancer cover
Physiotherapy care
Criti Care (Pros)
43 critical illnesses cover
All-stage cancer cover
Physiotherapy care available
Criti Care (Cons)
ICU cover not available
No pre and post-hospitalisation cover
No room rent cover
Criti Care (Other
Benefits)
Early Stage Cancers
Carotid Artery Surgery
Removal of one Kidney
Criti Care (Eligibility
Criteria)
18 to 65 Years
Bajaj Allianz My Health Care Plan: FAQs
1. What are the eligibility criteria for Bajaj Allianz My Health Care Plan?
The eligibility criteria for the Bajaj Allianz My Health Care Plan are 18 to 65 years for adults, meanwhile, dependent children can be covered from 3 months to 30 years
2. What are the various sum insured options available under the Bajaj Allianz My Health Care Plan?
The various sum insured options available under the My Health Care Plan by Bajaj Allianz range between INR 3 Lakhs to 5 Crores
3. Is maternity cover available under the Bajaj Allianz My Health Care Plan?
Yes, maternity coverage is available under the My Care Health Plan by Bajaj Allianz.
4. Is tax benefit available under the Bajaj Allianz My Health Care Plan?
Yes, all the premiums paid towards the Bajaj Allianz My Health Care Plan are eligible for tax benefits as per the Income Tax Act of India.
5. What is the optional coverage available under the Bajaj Allianz My Health Care Plan?
There are various optional coverages offered by Bajaj Allianz My Health Care Plan:
Loss of Income Cover
International Cover - Emergency Care Only
Major Illness and Accident Multiplier
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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