Bajaj Allianz Hospital Cash Plan

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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.
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.
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.
Pros			Family discount of 5 per cent is available. Premium paid towards this policy is eligible for tax benefit under section 80D of Income Tax Act.
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.
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		customercare@bajajallianz.co.in
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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