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Bajaj Allianz Insta Insure Policy

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Bajaj Allianz Insta Insure Health Insurance Policy

 

Bajaj Allianz Insta Insure is a family floater policy which provides health protection to individuals and family members. It covers medical treatment costs during hospitalisation due to illness and accident. 

 

 

Key Features of Bajaj Allianz Insta Insure Policy

 

  • Proposer is covered for sum insured Rs.1 lakh in case of death due to accident
  • No medical check-up required up to 45 yrs
  • All family members covered under single policy for a single premium

 

 

Type of plans available in Bajaj Allianz Insta Insure Plan

 

4 variants available for:

  1. Self
  2. Self + spouse
  3. Self + spouse + 1 child
  4. Self + spouse + 2 children

 

 

What is covered in Bajaj Allianz Insta Insure Plan?

 

  • 130 day care procedures which do not require 24 hour hospitalisation covered
  • A flat benefit of 2% of hospitalisation expenses are paid to cover pre  and post medical expenses
  • Children aged 3 months to 45 yrs can be covered
  • ICU charges, room rent, boarding and nursing expenses, surgeon’s fee etc
  • Cost of anesthetist, consultant and special fees
  • Cost of oxygen, blood, operation theatre charges, medicines and drugs, x-ray, radiotherapy, chemotherapy, artificial limbs etc
  • Emergency ambulance charges up to Rs. 1000

 

 

Additional Benefits of Bajaj Allianz Insta Insure Policy

 

Flat benefit of 2% of hospitalisation expenses are paid to cover pre  and post medical expenses

 

 

Eligibility and Restrictions of Bajaj Allianz Insta Insure Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000

1,00,000

Policy Term (in years)

1

1

Entry Age (in years)

18

45

Renewable till Age (in years)

-

70

 

 

Family floater policy will cover

 

An individual and/or his spouse

 

 

Tax Benefits in Bajaj Allianz Insta Insure Policy

 

Tax benefit can be claimed under section 80D of the Income Tax Act

 

 

Exclusions - What is not covered in Bajaj Allianz Insta Insure Policy?

 

  • Pre-existing diseases not covered for first 4 yrs
  • 2 yr waiting period for diseases like hernia, ulcers, varicose veins, stones, breast lumps, surgery on tonsils, ears etc.
  • Congenital diseases
  • Non-allopathic, cosmetic and aesthetic treatments
  • Joint replacement surgery other than due to accidents
  • Pregnancy or child-birth related
  • HIV or AIDS related
  • Abuse of drugs or alcohol
  • Death cover due to suicide, criminal or unlawful activity
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