Bajaj Allianz Health insurance - Health Care Supreme

Coverage of Health Care Supreme

• Complete package policy with wide range of coverage ,to stop unexpected health costs getting in the way of your life
• Sum Insured options ranging from Rs.5 lac to Rs.50 lac on individual and floater Sum Insured basis
• Option of choosing add on covers like personal accident, critical illness to top up your coverage
• No restrictions on maximum entry age, min entry age is 3 months
• Lifetime renewal option under the policy
• Hospitalisation cover with no restrictions on room rent and other expenses
• Road ambulance expenses covered up to Sum Insured under hospitalisation section
• Air ambulance cover: Unique feature which covers, expenses for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions ,up to 10% of hospitalization sum insured
• Unlimited day care procedures covered
• Sum insured reinstatement option where 100% sum insured will be restored, in case sum insured under hospitalisation expenses is exhausted
• No sub limits on ayurvedic and homoeopathic hospitalisation treatment expenses
• Maternity benefit with new born baby cover up to sum insured under maternity cover, from 3rd year of policy
• Outpatient expenses section covering dental treatments and psychiatric treatment expenses
• Other special benefit covers like recovery benefit, physiotherapy expenses, Organ donor expenses
• Free annual preventive health check up on every renewal, regardless of claim history

Eligibility of Health Care Supreme

• Lifetime entry under medical expenses section
• Entry age for proposer / spouse / parents: 18 years to lifetime
• Entry age for children: 3 months to 25 years
• Lifetime renewal option
• Renewal up to 35 years for dependent children Under Parents Policy, further lifetime renewal under seperate policy proposer
• Spouse, dependent children and dependent parents can be covered under individual policy
• Proposer, spouse, dependent children can be covered under Family Floater policy
• Separate family floater policy can be taken for dependent parents
• Sum insured enhancement only at the time of renewals

Exclusions of Health Care Supreme

2 year waiting period for pre existing diseases.

Exclusions for hospitalisation cover and hospital cash daily allowance cover: We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following:

• Circumcision unless required for the treatment of illness or accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.
• War or act of war, nuclear, chemical or biological weapon and radiation of any kind.
• Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury
• Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy
• Intentional self-injury
• Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
• Medical expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
• Vitamins, tonics, nutritional supplements unless forming part of the treatment for injury or disease as certified by the attending doctor
• Treatment for any other system other than modern medicine (also known as Allopathy). This exclusion is not applicable for Ayurvedic and Homeopathic medicine expenses
• Fertility, sub-fertility, impotence, assisted conception operation or sterilization procedure
• Weight management services and treatment related to weight reduction programs

Exclusions for Critical Illness cover: We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following

• Any Critical Illness which is preexisting to the policy
• Any Critical Illness diagnosed within the first 90 days of the date of commencement of the policy
• Expenses arising from Any sexually transmitted diseases or HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS
• Consequential losses of any kind or Your actual or alleged legal liability
• Treatment arising from or traceable to pregnancy and related complications

Exclusions for Personal Accident cover: We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following:

• Through suicide, attempted suicide or self-inflicted injury
• Arising or resulting from you committing any breach of law with criminal intent
• Whilst engaging in hazardous sports activities
• Consequential losses of any kind or your actual or alleged legal liability
• War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority