Bajaj Allianz Total Health Secure Goal Insurance Plan

Bajaj Allianz Total Health Secure Goal Insurance Plan

Bajaj Allianz Total Health Secure Goal Insurance plan is a comprehensive coverage policy that provides several benefits to policyholders. Anyone who is in the age group of 18-65 is eligible to apply for this policy. It is available in Gold and Silver plans allowing customers to select anyone based on their choices. Some of the benefits offered by them include organ donor expenses, pre-hospitalization, post-hospitalization, ambulance coverage, lifelong renewability, and so on.

Eligibility criteria for Bajaj Allianz Total Health Secure Goal Insurance plan

Minimum entry age  18 years for adults and 3 months for dependent children
Maximum entry age 65 years for adults  and 30 years for dependent children
Sum assured options Rs.1.5 lakh and Rs.2 lakhs

 ( Silver plan)

Rs.3 lakhs to Rs.50 lakhs (Gold plan)

Policy term 1 year/ 2 years/ 3 years
Premium payment Monthly, quarterly, half-yearly, and yearly 

Key highlights of Bajaj Allianz Total Health Secure Goal Insurance plan

  • The Gold plan offers coverage for bariatric surgery expenses when a policyholder likes to undergo a weight loss procedure.
  • Expenses for organ donors up to the sum insured. 
  • ambulance expenses to a maximum of Rs.20000 during a term. 
  • Co-payment options for above 60 years with 20% discount. 
  • The plan covers a 10% of cumulative bonus of the basic sum assured when a policyholder doesn’t claim any amounts in a policy year. 
  • The policy is available under Gold and Silver variants allowing a policyholder to choose the right one accordingly.
  • Convalescence benefit. 
  • Lifelong renewability. 
  • No pre-medical tests required for up to 45 years.
  • The Silver plan provides sum assured from Rs.1.5 lakh and Rs.2 lakhs while the Gold plan offers sum assured from Rs.3 lakhs to Rs.50 lakhs. 
  • The plan covers a 10% of cumulative bonus of the basic sum assured when a policyholder doesn’t claim any amounts in a policy year. 
  • Coverage for alternative treatments such as Ayurveda and Homeopathy.
  • Co-payment options for above 60 years. 
  • Tax savings after purchasing a policy. 
  • Premium discounts for new customers when they buy the policy online.
  • Coverage for maternity and newborn baby. 
  • Policyholders can get a grace period of 15 days when they fail to pay premiums on time.
  • Family floater coverage that allows a policy buyer to pay one single premium.
  • A policyholder can cancel the plan within 15 days. 

Inclusions in Bajaj Allianz Total Health Secure Goal Insurance plan

  • Pre-hospitalization and post-hospitalization expenses: Policyholders will get coverage for pre-hospitalization with a waiting period of 60 days and post-hospitalization expenses with a waiting period of 90 days.
  • Ayurveda or homeopathy treatment: The policy offers Ayurveda or homeopathy coverage up to 20,000 for policyholders in the Gold plan. 
  • Preventive health check-up: The plan provides coverage for preventive health check-ups up to Rs.2000 for each member under floater options. 
  • Maternity and newborn baby cover: Maternity expenses for up to Rs.35000 and newborn baby cover in the Gold plan.
  • Daily cash benefit: Both Silver and Gold plans offer daily cash benefit of INR. 500 per day for a maximum of 10 days.
  • In-patient hospitalization expenses: The policy provides reasonable and customary medical expenses for policyholders when they get hospitalized due to critical illness and accidents. 
  • Cataract coverage: Cataract coverage per eye up to 20% of the sum assured in the Silver plan and up to Rs.1 lakh in the Gold plan.

Exclusions in Bajaj Allianz Total Health Secure Goal Insurance plan

  • Pre-existing illnesses up to 3 years. 
  • Coverage for dental treatments. 
  • Expenses related to surgical treatment recommended for weight loss. 
  • Treatments due to drug and alcoholism. 
  • Experimental, unproven, or non-standard treatment.
  • Expenses pertaining to sterility and infertility.
  • Dietary supplements and substances purchased without prescription.
  • Any medical expenses incurred due to the Act of Terrorism.
  • HIV or Aids.
  • Expenses related to any admission primarily for diagnostics.
  • Expenses for enforced bed rest and not for treatment. 
  • Coverage for mental illnesses.
  • Vaccination or inoculation unless prescribed by a doctor. 
  • Cost of medical equipment such as contact lenses, dentures, hearing aids, etc.
  • Intentional self-injury.
  • Treatment outside India.

 

FAQs:

Does the Bajaj Allianz Total Health Secure Goal Insurance plan offer coverage for pre-existing illnesses?

The policy offers coverage for pre-existing illnesses with a waiting period of 3 years.

What are the features of the Bajaj Allianz Total Health Secure Goal Insurance plan?

The features offered by the plan include pre-hospitalization, post-hospitalization, cataract coverage, daily cash benefit, organ donor expenses, coverage for alternative treatments, etc.

Where can you buy the policy at low prices?

Customers can buy the policy online at low prices that will save more money.

Does the policy offer coverage for outside India medical treatments?

No. The policy doesn’t offer coverage for outside India medical treatments.

What is the duration of the policy?

The plan is available for 1, 2, and 3 years and policyholders can choose anyone based on their choices.

What is the waiting period of Bajaj Allianz Star Package Policy Health Insurance?

60 days for pre-hospitalization, 90 days for post-hospitalization, and 36 months for pre-existing illnesses.

Does the policy offer coverage for critical illnesses?

The policy offers coverage for critical illnesses allowing policyholders to manage medical expenses without any difficulties.

Can policyholders renew the policy?

The policy offers lifelong renewability allowing a person to enjoy the benefits.

What are the sum insured options available for policyholders?

The Gold plan offers a sum assured amount of Rs.3 lakh to Rs.50 lakhs, and the Silver plan provides a sum assured amount of Rs.1.5 lakh and 2 lakh.

What are the claim options offered by the plan?

The plan offers both cashless and reimbursement claims for policyholders when it comes to hospitalization and other medical services.

Is it possible to cancel the policy?

Policyholders can cancel the policy with 15 days written notice, and the company will refund the amounts for unpaid premiums.

Does the policy cover the family floater option?

The policy offers a family floater option for policyholders, and they can include spouses and 4 dependent children.

Is it possible to get coverage for maternity and a newborn child under this policy?

The policy provides coverage benefits for maternity and a newborn child.

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