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Bajaj Allianz Hospital Cash
| Objective | A standalone policy that aims at providing a daily cash amount to insured member(s) to meet incidental or additional expenses which are otherwise not covered by other insurance policies. |
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| Suited for | This policy can be used as an add-on policy. Anyone aged between 18 and 60 years may go for this policy to enhance the scope of coverage. It can cover a family including husband, wife and dependent children under one single policy. |
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| What does it do? | This is a supplementary policy which pays a cash benefit ranging from Rs 500 to Rs 2,500 upon each continuous and completed stay of 24 hours in a hospital. Daily cash benefit can be availed for a maximum of 30 or 60 days per policy year as opted for at the time of buying the policy. The daily cash benefit doubles if treatment was taken in ICU. This cash amount can be utilized to pay for non-medical expenses such as attendant's food, travel and stay which may remain uncovered even if you have a basic health insurance cover. However, it is solely left at the discretion of insured member as to how to make use of this daily cash benefit. |
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| Pros | Family discount of 5 per cent is available. |
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| Our View | This policy may be bought as an add on policy provided the prospective buyer is adequately covered against basic health calamities. Buy only if you feel a real need. There are various insurance companies which have already incorporated daily cash benefit as one of the benefit in their comprehensive policies. So a standalone policy is not required in such cases. |
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| Eligibility | |||||||
| Entry Age (years) | |||||||
| Minimum | 18; 3 months for children | ||||||
| Maximum | 60; 21 for children | ||||||
| Maximum Policy Renewal Age (years) | 61 | ||||||
| Coverage Type | Individual/Spouse/Dependent Children | ||||||
| Policy Term (years) | 1 | ||||||
| Sum Insured (Rs) | |||||||
| Maximum | Daily cash amount of 2500 | ||||||
| Minimum | Daily cash amount of 500 | ||||||
| Tax Benefit | Tax benefit under Section 80D is available | ||||||
| Discount | Family discount of 5% is applicable | ||||||
| Policy Termination | Insurance company and policyholder are allowed to terminate the policy by giving a written notice of 7 days. In case no claim has been made under the policy, percentage of premium will be refunded if policy is terminated by the insurance company | ||||||
| Customer Service | |||||||
| Address | Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006 | ||||||
| Mail to | |||||||
| Call to | 1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858 | ||||||
| Scope of Cover | |||
| Sickness Hospital Cash and ICU Cash | (a) Daily Cash Amount for each continuous and completed 24 hours hospitalisation upto maximum of 30/60 days per policy year. (b) Twice the Daily Sickness Cash amount for each continuous and completed period of 24 hours stay in ICU upto a maximum of 7 days per policy year. | ||
| Accident Hospital Cash and Accident ICU Cash | (a) Daily Cash Amount for each continuous and completed 24 hours hospitalisation upto maximum of 30/60 days per policy year. (b) Twice the Accident Daily Cash amount for each continuous and completed period of 24 hours stay in ICU upto a maximum of 7 days per policy year. | ||
| Exclusions and Waiting period | |||
| Waiting perod | Any disease contracted during the first 30 days of commencement of the policy except for accidental emergency.For specific diseases cover starts after one year | ||
| Pre Existing Diseases | Not Covered | ||
| General Exclusions | Cancer, AIDS or related diseases.Non Allopathic treatment, Beauty, slimming or cosmetic surgery or treatment.Involvemnent in any criminal activity or war, riots or related condition. | ||
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