You need health cover regardless of what you take two at a time - pills or stairs.
  • Bajaj Allianz Tax Gain Health Insurance Plan

    Bajaj Allianz Health Insurance

    Bajaj Allianz now gives you the unique opportunity to save tax and gain OPD benefits at the same time with the introduction of the Tax Gain plan. This unique product is a Family floater health policy which covers both hospitalization expenses and outpatient (OPD) expenses under one policy. What’s more, it will help you to manage your tax efficiently as well.

    Features & Benefits of Bajaj Allianz Tax Gain Plan:

    Eligibility
    • 56 years -75 years for Senior citizens plan Tax Gain 19999 Renewable up to 75 years.
    • 18 years – 55 years for Tax Gain 4999, Tax Gain 9999 & Tax Gain 14999 Renewable up to 55 years.
    • No medical test required for those under 45 years of age.
    Coverage
    • Both hospitalization expenses and outpatient (OPD) expenses covered under one policy.
    • Cashless facility can be availed at over 5000 hospitals across the country.
    • Ambulance charges up to Rs. 1000/- will be covered in this scheme.
    • Day care procedures for 130 days will be covered (subject to terms and conditions).
    • The same policy can be continued until the individual becomes 75 years old.
    • If you decide to take treatment in non-network hospital, 10% co-payment of the admissible claim amount applicable. Co-payment will be waived on payment of additional premium.
    • No restrictions of waiting periods to claim under Out-Patient expenses
    • At the end of each four (Hospitalization) claim free policy periods, you can avail free Health check-up. The tests done in this benefit will be as specified in the schedule. Only one insured member can benefit from this.
    • The premium slabs stays the same from 18 years - 55 years and 56 - 75 years.
    • This scheme covers treatment under OPD section and dental procedures.
    • OPD Section covers cost of dentures, Spectacles and crutches.
    • No hassles of going through a TPA to make claims as it will be in house claims.
    Exclusions For outpatient claims:
    • If diagnostic tests are conducted without the treating doctor’s referral, the expense for it will not be covered in this policy.
    • Health check-up cost.
    • Cost of spectacles will not be covered until the policy has finished one complete year and has been renewed. Also, only up to 25% of the cost will be covered.
    • Cost of dentures and hearing aids will not be covered until the policy has finished two complete years and has been renewed. Also, only up to 25% of the cost will be covered.
    For hospitalization claims:
    • If a disease is contracted within the first 30 days of the policy inception, the treatment will not be covered in the policy.
    • If a disease/ illness is pre-existing for a period of 4 years, the treatment will not be covered.
    Common for both Outpatient & Inpatient claims:
    • AIDS-related expenses.
    • Aesthetic and Cosmetic treatments.
    • Pregnancy & childbirth related expenses
    • Use of intoxicating alcohol and drugs.
    • Non allopathic treatment
    Additional Benefits After every four claim free policy periods, policyholder can avail Free Health Check-up at designated Bajaj Allianz Empanelled Diagnostic centres.
    Tax Benefit Avail Tax benefits under section 80 D of Income Tax Act.

    Plans and Premium Chart:

      Flat premium 4999 18-25 yrs 26-40 yrs 41-45 yrs 46-55 yrs.
    Hospitalization cover - Floater Sum Insured 1 lac OPD Benefits Self 3100 2900 2500 1600
    PLAN-B Tax Gain9999 Flat premium 9999 18-25 yrs 26-40 yrs 41-45 yrs 46-55 yrs.
    Hospitalization cover - Floater Sum Insured 2lacs OPD Benefits Self 6500 6000 5000 3000
    OPD benefits Self + spouse 5200 4800 3500 1000
    PLAN-C Tax Gain 14999 1 ) C- 1 Flat premium 14999 18-25 yrs 26-40 yrs 41-45 yrs 46-55 yrs.
    Hospitalization cover - Floater Sum Insured 2 lacs OPD Benefits Self 9500 9000 8500 7500
    OPD benefits Self + spouse 9000 8500 7000 4500
    2 ) C-2 Flat premium 14999 18-25 yrs 26-40 yrs 41-45 yrs 46-55 yrs.
    Hospitalization cover - Floater Sum Insured 3 lacs OPD Benefits Self 9000 8500 7500 6000
    OPD benefits Self + spouse 8000 7500 5500 2500
    PLAN- D-FOR SENIOR CITIZENS - Tax Gain 19999 Flat premium 19999 56-60 yrs 61-65 yrs 65-70 yrs 71-75 yrs
    Hospitalization cover-Floater Sum Insured 1 lac OPD Benefits Self 13000 12500 12000 11000
    OPD benefits Self + spouse 11000 10000 9500 8000
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