Bajaj Allianz’s Health Ensure Policy comes with new comprehensive benefits at competitive premiums and is a perfect
product to care of medical expenses for Individual and family in case of unfortunate event of hospitalisation for illness/
Individual and Floater policy for Self, Spouse, Children, Grandchildren, Brother, Sister, Parents, Parents in law, Grand Parents
No pre-policy medical tests up to 50 years of age (subject to clean proposal form)
Pre-existing disease covered after 24 months from your first Health Policy
Pre 30 days and post 60 days hospitalisation expenses cover
Emergency road ambulance cover
Day care procedures
Free preventive health check up
Income tax benefit under 80 D of the IT Act on premiums paid for this policy
Ayurvedic and Homeopathic Hospitalisation Cover
Organ Donor Expenses
5% Cumulative bonus for each claim free year
Room Rent Limit
Maximum of 1%of Sum Insured per day or up to Rs. 5000/-, whichever is lower.
ICU Daily Rent Limit
Maximum of 2% of Sum Insured per day or up to Rs. 10000/-, whichever is lower
30 days immediately before hospitalisation.
Post Hospitalization Expenses
60 days immediately after discharge post hospitalisation.
Minimum Hospitalization Period
Day Care Procedure Coverage
Pre-Existing Disease / Illness coverage
24 months from your first Health Policy.
Waiting Period for New Policy
First 30 days from the commencement of the policy.
Free Health Checkup
Amount equal to 1% of the sum insured max up to Rs. 1500/- for each member in Individual policy during the block of 3 years.
Maximum of Rs. 1000/- per Hospitalisation incurred on an ambulance offered by a healthcare or ambulance service provider
Policyholders paying Zone A premium rates can avail treatment allover India without any co-payment. But, those, who pay zone B premium rates and avail treatment in Zone A city will have to pay 20% co-payment on admissible claim amount
Ayurvedic and Homeopathic Hospitalisation are covered
Organ Donor Expenses covered
Room Rent, Boarding and Nursing Expenses as provided by the Hospital maximum of 1%of Sum Insured per day or up to Rs. 5000/-, whichever is lower.
No Claim Bonus
5% of Sum Insured per annum. The maximum cumulative increase in the Limit of Indemnity will be limited to 25% of Sum Insured