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What’s in it for you?
Flexibility to customize your plan as per your needs
Choice of room preference and waiting periods
2x OPD benefit (twice the premium)
Free yearly preventive health check-ups
Don’t wait for a medical emergency to knock on your door!
Get a QuoteIntroducing a unique health insurance plan that cares for you the way you want. Now, transforming care your way. The ‘My Healthcare Plan’ is a modular plan that offers the flexibility to curate an individual bouquet of features for yourself and your family.
It is an umbrella product for customizable packages. You can now easily buy a mediclaim policy plan that gives you the option to pick and choose the insurance coverage. Design your health care plan based on which the health insurance premium will be determined.
Parameter | Information |
Entry Age | 18 years to 65 years |
For Dependent Children/ Grandchildren: 3 months to 30 years | |
Type of Plan | Individual and Family Floater Health Insurance |
Sum Insured Options | Rs. 3 lakh/4 lakh/5 lakh/7.5 lakh/10 lakh/15 lakh/20 lakh/25 lakh/30 lakh/35 lakh/40 lakh/45 lakh/ 50 lakh/75 lakh
Rs. 1 crore/2 crore/3 crore/4 crore and 5 crore respectively |
Policy Period | 1 year/2 years or 3 years |
Premium Payment Term | Quarterly, Monthly, Half-yearly, or Yearly |
Renewal Age | Lifetime |
*T&C apply
Before you zero down the individual health insurance or family health insurance, let us consider the below pointers to choose an ideal insurance plan:
With this mediclaim policy you can easily customize the plan as per your prerequisites.
The My Healthcare Plan offers multiple sum insured options ranging from Rs. 3 lakhs to Rs. 5 crores. Choose an adequate sum insured that suits your budget.
Ensure that the mediclaim insurance for family offers an array of coverage for expenses incurred towards hospitalization, modern treatment methods, etc.
Look at if you can avail of free preventive health check-ups once in every policy year in any of the network hospitals. At Bajaj Allianz General Insurance, we are growing strong with 18,400 + network hospitals* across the nation.
With My Healthcare Plan, now you need not buy separate maternity insurance cover or baby cover. This plan offers an in-built cover maternity cover, nursing cover and baby cover.
Room and boarding expenses, ICU expenses, nursing expenses, surgeon, anesthetist, etc. that are necessary and prescribed by the doctor.
60 days and 90 Days respectively with options to customize as per the requirement.
A cover is provided to the insured in respect of an admissible claim during the policy term for any or all of the following covers as per the limits specified:
Any medical expenses when undergoing modern treatment methods and advancement in technologies procedures.
Any medical expenses for daycare procedures or surgeries taken as an inpatient in a hospital or daycare centre.
Medical expenses incurred for organ donor’s in-patient treatment for harvesting of the organ donated provided if the insured is the receiver of the organ.
Medical Expenses for ayurvedic, or homeopathic treatment on the advice of a doctor because of illness/accidental bodily injury during the policy period.
The expenses incurred on a road ambulance for transferring you to the nearest hospital with adequate emergency facilities following an emergency. We also reimburse the expenses incurred on a road ambulance offered for transferring you from the hospital.
Medical expenses for the delivery of a baby (including cesarean section). Or expenses related to medically recommended and lawful termination of pregnancy, limited to a maximum of 2 deliveries or termination or either during the lifetime of the insured.
The hospitalization expenses incurred for your newborn baby, on the advice of a doctor because of Illness or Injury sustained or contracted during the cover term.
If a registered nurse is engaged for post-hospitalization care, a fixed weekly benefit amount for a period of up to 10 weeks subject to the condition will be paid.
Note: This list is indicative. For a complete list of specific inclusions and waiting periods, please refer to the product brochure carefully.
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment
Surgical treatment of obesity
Any treatment, including surgical management, to change characteristics of the body to those of the opposite sex
Treatment for correction of eyesight due to refractive error less than 7.5 dioptres
Change of gender treatments
Sterility and infertility
Any cosmetic or plastic surgery
Participating in any hazardous or adventure sports
Note: This list is indicative. For a complete list of specific exclusions and waiting periods, please refer to the product brochure carefully.
Let us delve into understanding the optional cover available under My Healthcare Plan briefly:
If the insured gets hospitalized due to any diseases except infection for consecutive 72 hours due to an illness or injury, then a pay-out will be paid.
No. of Days Per Hospitalization | No. of Weeks Benefit Paid |
3 days to 5 days | 1 week |
6 days to 10 days | 2 weeks |
11 days to 20 days | 4 weeks |
21 days to 30 days | 6 weeks |
Above 30 days | 8 weeks |
If the insured is hospitalized for any critical illness during the policy term, then the sum insured for such major illnesses/injury will be increased up to 2 times.
✓ Cancer
✓ Open Chest Coronary Artery Bypass Grafting (CABG)
✓ Kidney Failure Requiring Regular Dialysis
✓ Major Organ Transplantation
✓ Multiple Sclerosis with Persisting Symptoms
✓ Permanent Paralysis of Limbs
✓ Open Heart Replacement or Repair of Heart Valves
✓ End Stage Liver Failure
✓ End Stage Lung Failure
✓ Bone Marrow Transplant
The insurance company will indemnify the insured person for hospitalization expenses incurred outside India. Also, anywhere across the world for emergency care only up to the amount specified in the policy schedule. This is subject to the terms and conditions mentioned. The injury/illness should occur while the insured is outside India.
Note: For more details, please refer to the product brochure carefully and the corresponding limits to the plan.
Use the health insurance premium calculator online, which is simple and quickly calculates the premium amount based on the inputs entered. Whether you are buying individual health insurance or mediclaim insurance for family, using this online tool has benefits:
Before you use a health insurance calculator it’s important to understand that various factors determine the premium. This includes the age of the insured, medical history, lifestyle habits, type of cover, etc.
To use the health insurance calculator, to know My Healthcare Plan premium the below details will be required:
And there you go! You will have the estimated mediclaim policy premium with varying policy period options.
The cashless facility can only be availed at any of the network hospitals. To avail of the cashless treatment benefits, the below procedure needs to be followed:
✓ For a planned treatment or hospitalization, you must intimate the insurance company almost 48 hours prior. You should request pre-authorization by way of the written form.
✓ If satisfied with the request, the insurer will send an authorization letter to the network hospital. Keep your authorization letter, health ID card and other relevant documents handy. It needs to be produced at the network hospital at the time of admission.
✓ If the above process is followed, you need not pay at the network hospital. Keep the original bills and treatment evidence carefully. Please note that all the expenses may not be covered subject to the terms and conditions mentioned in the policy schedule.
✓ In case a treatment/procedure is taken on an emergency basis, the insurance company should be informed about the same in writing within 24 hours of hospitalization.
If the medical treatment has been taken outside the listed network hospital, you can opt for a reimbursement claim process.
✓ In case of an emergency, the insurance company needs to be informed in writing within 48 hours of hospitalization. If it’s a planned treatment, the insurer must be informed 48 hours prior.
✓ You should promptly within 30 days of discharge from the hospital give the documentation of the treatment availed.
✓ In case the insured passes away, anyone claiming on their behalf should immediately inform in writing to the insurance company. Likewise, a post-mortem report also needs to be shared within 30 days.
✓ If the original documents are submitted with the co-insurer, then photocopies attested by the co-insurer should be duly submitted.
*T&C apply
Having suitable health insurance coverage also helps to save on taxes as well. Now, you can claim tax deductions against the family health insurance premium. Here, under Section 80D of the Income Tax Act of 1961, if you are less than 60 years of age, you can claim up to Rs. 25,000 tax deduction by choosing a family floater health insurance.
Besides, the mediclaim insurance premium paid for parents is subject to tax deductions additionally. As per Section 80D of the Income Tax Act of 1961, you can obtain a deduction for up to Rs. 50,000, if the parents are 60 years of age and above.
Note: The tax benefits are subject to change as per existing laws.
You can now easily locate your nearest network hospital with us and avail best of class medical treatment. We have a strong network of 18,400 + network hospitals* in PAN India. If you are existing Bajaj Allianz Health Insurance, click here to locate the nearby network hospital.
The entry age to avail of My Healthcare Plan is 18 years to 65 years. However, for dependent children or grandchildren, it is 3 months to 30 years.
Yes, you can easily opt for a Single Private AC room in the hospital. The cost for the same will depend upon the sum insured opted between Rs 3 lakh to Rs. 10 lakhs respectively.
In case of a planned hospitalization, you can avail of the treatment at any of the network hospitals and avail cashless insurance claim. If you have availed the treatment at a non-network hospital you may go ahead with the reimbursement process.
At any point in time, you may contact us on our toll-free number 1800-209-5858
You may also reach us through mail on bagichelp@bajajallianz.co.in
Use the Bajaj Allianz Health Insurance ID card at any network hospital to avail of cashless insurance benefits. For cashless emergency hospitalization, you need to reach us within 48 hours of hospitalization. However, at any point in time feel free to reach out to us.
Yes, you can easily include your baby in the health insurance plan. It is always suggested to include your child in the circle of protection at a younger age. In My Healthcare Plan, immediate children or grandchildren between 3 months to 30 years can be included.
(Based on 3,912 reviews & ratings)
VIKRAM ANIL KUMAR
I am truly delighted at the cooperation you have extended to me in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.
PRITHBI SINGH MIYAN
Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's
AMAGOND VITTAPPA ARAKERI
Excellence service by Bajaj Allianz, hassle free service, friendly site to customers, easy and simple to understand and operate. Thanks to the team for serving customers with all the happiness and pleasure...
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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