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Bajaj Allianz M-Care Health Insurance Plan

No matter the conditions, Bajaj Allianz M-Care health insurance ensures that you are always prepared. The company also gives you a discount on the premium if you purchase the coverage online in the case of a medical emergency brought on by a vector-borne sickness! After all, sharing a burden reduces it by half.

You will undoubtedly notice a difference with the Bajaj Allianz M-Care health insurance covered by your side, from diagnosis to recovery! By providing you with extensive coverage, this unique medical insurance plan works in conjunction with your doctor to help you rapidly get back on your feet.

Your M-care health insurance plan will protect you from medical costs that could otherwise significantly deplete your funds if you are diagnosed with one of the seven diseases mentioned. By providing cashless services through its network of hospitals, the company allows you to focus on your health care rather than worrying about how to pay for it.

Eligibility Criteria

Here is the eligibility criteria for Bajaj Allianz M-Care health insurance

Parameters  Details
Minimum Entry age18 years
Maximum Entry age for the proposer65 years
Minimum Entry age for dependent children0 Days
Covered MembersSelf, Spouse, Dependent Children & Dependent Parents
Sum Assured Options

· INR 10000, · INR 15000, · INR 25000, · INR 50000, · INR 75000

Diseases Covered

1. Dengue Fever

2. Malaria

3. Filariasis(Payable only once in a lifetime)

4. Kala Azar

5. Chikungunya

6. Japanese Encephalitis

7. Zika Virus

Bajaj Allianz M-care Health Insurance Policy Coverages

Let’s take a look at the details covered under Bajaj Allianz M-Care Health Insurance Plan.

Parameters  Details
Cover For AllFloater Plan for proposer/spouse/dependent children/dependent parents
20% discount applicable20% discount applicable if a customer buys this health insurance Plan from the website
Free Look PeriodFree look period of 15 days
Cashless FacilityAccess to the cashless facility (subject to cashless authorization and limit of benefits)
Lifetime renewal optionA lifetime renewal benefit is available
Different sum insured optionsSum insured options of minimum Rs. 10,000 and maximum Rs. 75,000

Features & Benefits of Bajaj Allianz M-Care Health Insurance Plan

Here are the potential salient and benefits of Bajaj Allianz M-Care Health Insurance Plan.

  1. Covers Everyone

You can include yourself, your spouse, your dependent children, and your dependent parents in the family floater health insurance plan.

  1. Broad Coverage

According to the terms and circumstances of your insurance Plan, you will get a lump sum payment if you or another insured member is identified as having one of the vector-borne illnesses on the list. The following ailments are covered:

  • Malaria
  • Zika VIrus
  • Dengue Fever
  • Kala Azar
  • Chikungunya
  • Japanese Encephalitis
  • Filariasis (This illness is covered only once in a lifetime)
  1. Avail Discounts

You can save 20% on coverage if you purchase it through the corporate website.

  1. Free Look Period

You have 15 days from the date of purchase to return the insurance if you are not completely happy with all of its terms and conditions.

  1. Sum Insured Options

You are free to choose a sum that seems appropriate for you based on your needs and budget.

  • INR 10,000
  • INR 15,000
  • INR 25,000
  • INR 50,000
  • INR 75,000
  1. Lifelong Renewability

You are free to choose a sum that seems appropriate for you based on your needs and budget.

What is Not Covered Under Bajaj Allianz M-Care Health Insurance Plan?

Following are the things not covered under Bajaj Allianz M-Care Health Inusrance Plan.

  1. Any of the aforementioned vector-borne diseases that are diagnosed within the first 15 days after the Plan’s start date are not covered. This exclusion does not apply to insured or insured persons, as the case may be, whose coverage has been continuously renewed for the next years, provided that there have been zero claims in the prior policies.
  1. If the Plan is chosen after the occurrence of any of the aforementioned vector-borne diseases, a 60-day waiting period will be in effect from the date of the prior hospitalization for the particular condition. However, if a benefit is paid within the Plan Period and the Named Insured decides to renew the Plan, the renewal Plan would be subject to a 60-day waiting period beginning on the date of the previous admission for the particular condition for which a claim has been paid.
  1. A 60-day cooling-off period will apply for the same illness in the renewed Plan chosen, but there won’t be a waiting period for any of the other listed vector-borne diseases if the Plan is renewed within 60 days of the date of admission of the previously paid claim for the named Insured/Insured Persons, as the case may be.
  1. A new waiting period of 15 days will be required for all mentioned vector-borne diseases if the Plan is renewed after 60 days from the day the previously paid claim for the stated Insured/Insured Persons, as the case may be, was admitted.

Premium Illustration- How Does Bajaj Allianz M-Care Health Insurance Plan Work?

Let’s Take An Example To Understand!

Members CoveredSum insured

No. of Claims

Admissible

 10,00015,00025,00050,00075,000 
1 Member16024040080012001 Claim
2 Member- Floater240360600120012001 Claim
3 or 4 Member- Floater320480800160024002 Claims
5 or 6 Member- Floater4006001000200030002 Claims

Frequently Asked Questions

Yes, you can use the Bajaj Allianz M-Care Health Insurance Plan to receive cashless care.

If discovered within the first 15 days of purchasing the coverage, any of the seven diseases specified will not be covered.

The vectors that carry these diseases are to blame. Insects that can spread a dangerous disease include fleas, ticks, and mosquitoes. A few examples of frequent vector-borne illnesses in India include Malaria, Dengue fever, Chikungunya, Kala-azar, Japanese Encephalitis, Filariasis, and Zika virus.

The insured individual will be able to move a comparable Vector care health insurance Plan from one insurer to another or another insurer but not otherwise, by IRDAI criteria.

The M-Care premium payment term is annual.

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