Bajaj Allianz Global Health Care Plan

When in situations where the health conditions are critical or you are advised by the medical practitioner to get medical treatment from hospitals, all the expenses arising at hospitalisation will be covered. If you are an Indian resident and residing out of Indian boundaries, your medical expenses will still be covered under Bajaj Allianz Global Health Care.

In Bajaj Allianz Global Health Care Plan, expenses occurring before being hospitalised and post discharge from hospital are covered. In case of domestic cover, medical expenses incurred 60 days of pre-hospitalization and 180 days of post hospitalisation are covered. In case of International cover, the pre-hospitalization coverage is from 45 days and post-hospitalization is up to 90 days. The cost incurred is accepted if the policyholder is admitted in-patient for the same reason.

In case of emergency or due to medical necessity, one can opt for road ambulance under the Bajaj Allianz Global Health Care Plan. The claim amount will be reimbursed on providing a proper bill. The coverage amount is up to the base sum insured amount of the plan.

Day care procedures are when the policyholder takes medical treatment at hospital  that doesnt require hospitalisation for more than 24 hours. The cost arising out of these medical treatments will be covered under Bajaj Allianz Global Health Care plan. Around 400 day care procedures are covered under the Global Health care plan.

If the policyholder has to go through an organ transplant, the medical expenses for the organ donor’s in-patient treatment along with the policyholder is covered. A cover of Rs. 5 lakhs is offered under the domestic coverage of the Global Health Care plan. In case of International cover, in Imperial plan option expenses up to USD 30,000 are covered and in Imperial Plus Plan option expenses up to USD 50,000 is covered.

This benefit covers the expenses incurred for transporting the insured person to the hospital through air ambulance. In case of life threatening situations, one can opt for an air ambulance facility. This benefit is available only for International cover. Under the Imperial Plan, the cover is available for USD 7,500. In the Imperial Plus Plan option, expenses are covered for air ambulance and medical evacuation up to the in-patient sum insured amount.

In Bajaj Allianz Global Health Care Policy, with every successful renewal each year, you can avail annual preventive health check up. The cost incurred during this preventive check up will be reimbursed to the policyholder on presentation of proper medical bills. The annual preventive health check-up is covered only if done in India.  An expense of Rs. 5,000 is available.

If you are hospitalised for more than 24 hours in an Ayurvedic / Homeopathic hospital, the expenses incurred for room rent, in-patient, nursing care, consultation fees and medical drugs will be covered. The coverage available under this feature is up to the sum insured opted under the domestic cover.

In Bajaj Allianz Global Health Care plan, expenses related to treatment of mental illnesses such as psychological development, Neurotic, stress-related and somatoform disorders, Disorders of adult personality and behaviour and delusional disorders are covered. Mental Illness treatment expenses are covered only if the treatment is availed at a recognized psychiatric unit in a hospital.

Expenses related to modern treatments through advanced technologies are covered under the Bajaj Allianz Global Health Care plan. Here is a list of a few modern treatments that is covered under Global Health Care:

• Uterine Artery Embolization and HIFU
• Balloon Sinuplasty
• Deep Brain stimulation
• Oral chemotherapy
• Intra vitreal injections
• Robotic surgeries
• Stereotactic radio surgeries

It is a treatment that combines therapies such as physical therapy and speech. The cost incurred in the hospitalisation during the treatment is covered up to the limit of sum insured.
The claim will be accepted on a condition that the treatment is carried out by a medical practitioner specialising in rehabilitation.

In a Global Health Care plan, the accommodation cost of a single parent for the duration the dependent child under the age of 18 years is being hospitalised for in-patient treatment is covered.

In the Global Health Care plan, expenses arising out of physical care, psychological care, nurse caring, hospitalisation and drugs prescription are taken care up to the limit of cover amount.

A daily cash benefit is offered against the in-patient hospitalisation. This is valid maximum up to 25 nights at a single stretch. This cover is subject to the sub-limits, exclusions and other conditions as mentioned in the policy document. This benefit is payable only post discharge from the hospital.

In case if there is an emergency treatment that you are covered under the policy but isn't available locally, then you can choose to be evacuated medically to your home country for medical treatment. This is applicable only if the home country is within the set geographical area. The expenses for air tickets (one way) will be covered under the Global Health Care plan. Along with that the hotel accommodation cost is also covered during such a situation.

It means the transportation of the remains of the deceased policyholder from the country of residence to the country of burial. Expenses related to transportation containers, embalming, shipping and other necessary documentation has been covered under the Imperial Plus plan in Global Health Care policy.

One can opt for Dental coverage under the Global HealthCare plan by paying an additional premium. This feature comes with a 20% co-payment clause.

Expenses related to the treatment of annual check-ups, simple filings related to cavities or decay, root canal treatment, and dental prescription drugs are covered up to the limit of sum insured.

Through the Global Health care plan, expenses arising from the dental surgeries such as extraction of teeth, removal of cysts, orthognathic surgeries, laboratory tests, X-Rays, CT Scan and MRI’s are covered.

Cumulative bonus 

If the policy is being continued without any failure in payment and there has been no claim in the preceding year, then an increase of 20% of Domestic cover’s base sum insured will be offered. This benefit is subject to the maximum limit up to 100% of the base sum insured amount.

In case if any claim has been made during the policy term then there will be a 20% decrease from the cumulative bonus received in the preceding year.

Out-patient benefits in International cover in Bajaj Allianz Global Health Care Policy

Physiotherapy benefit

If a physiotherapy treatment is recommended by a doctor or specialist for that matter then the expenses arising in the outpatient treatment will be covered. The expenses of physiotherapy coverage is limited to up to 12 sessions per condition. After every 12 sessions, the treatment is to be received by the doctor who prescribed it.

Complementary treatment expenses

In the Bajaj Allianz Global Health Care plan, you can consult for various alternate treatments such as chiropractic treatment, osteopathy, Chinese herbal medicine, homeopathy, acupuncture and others for treatment of various illnesses. The cost incurred in such treatments is covered under the Global Health Care plan if opted for an outpatient hospitalization during the policy term.