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

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.