Bajaj Allianz Health EnSure

Bajaj Allianz Health Ensure Policy is a basic health insurance policy to take care of an individual and the family members’ medical expenses in the event of hospitalisation due to any serious injury or accident. It also covers surgery expenses for varicose veins and varicose ulcers after a waiting period of just one year.

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No medical tests
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Claim amount
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Cashless facility
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Key Features

Pre-existing diseases

Pre-existing diseases covered after 2 yrs

No medical tests

No medical tests  required  for individuals up to  55  yrs of age

Cashless facility

Cashless facility at empanelled hospitals

Claim amount

Claim amount reimbursement within 14 days 

Room rent and nursing expenses

Room rent and nursing expenses covered up to 1% of the sum insured.Surgeon’s fees, anesthesia expense, doctor’s fees covered up to 30% of sum insured

ICU expenses

ICU expenses are covered up to 2% of the sum insured

Emergency ambulance charges

Emergency ambulance charges will be provided for up to an amount of Rs. 1000

24 hr hospitalisation

130 Day care procedures which do not require 24 hr hospitalisation are covered

incurred prior

2% of admissible expenses are paid towards expenses incurred prior to hospitalisation and  after hospitalisation

sum insured

Cost of pacemaker, artificial limbs, chemotherapy, radiotherapy, dialysis, X-ray, medicines, oxygen, anesthesia, blood etc covered up to 40% of sum insured


Additional Benefits
  • Covers varicose veins and varicose ulcer surgeries after a waiting period of 1 year
  • Children over 90 days old and below 5 yrs can be covered as well
  • Free health check-up after 4 continuous policy renewals

How it works

  • An individual and/or his spouse
  • Dependent children
  • Dependent parents

Tax Benefit


Tax benefits under section 80 D available up to

  • Rs.15,000 in case of individuals and
  • Rs 20,000 for senior citizens 






Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)




  • Pre-existing conditions are not covered for the first 2 yrs
  • Treatments for cataracts, hernia, hypertrophy, uterine bleeding, hemorrhoids etc are covered after 2 yrs
  • Treatments within first 30 days
  • HIV, AIDS and related diseases
  • Non-allopathic treatment, congenital diseases (existing at birth), cosmetic treatments
  • Joint replacement surgery not covered for first 4 yrs
  • Abuse of drugs, alcohol and intoxicants