Bajaj Allianz Health Insurance For Diabetics

Bajaj Allianz India Health Insurance Plans

Hospitalization in Bajaj Allianz network hospitals Cashless facility within 2300 network hospitals (direct settlement of medical bill) If treatment is received outside of Bajaj Allianz hospital network, co-payment of 10 percent is required, unless additional premium is paid 20 percent co-payment for ages 56-65 years, on first claim of this policy Outpatient cover: Pre and post hospitalization medical expenses paid (60 days prior, 90 days post) After 4 years membership: Free health check for up to Rs 1000. Hospitalization in Bajaj Allianz network hospitals Cashless facility within 2300 network hospitals (direct settlement of medical bill) If treatment is received outside of Bajaj Allianz hospital network, co-payment of 10 percent is required, unless additional premium is paid 20 percent co-payment for ages 56-65 years, on first claim of this policy Outpatient cover: Pre and post hospitalization medical expenses paid (60 days prior, 90 days post) After 4 years membership: Free health check for up to Rs 1000. Specially designed for those on an existing health insurance plan (such as a business health plan with current employer) and want to add on additional benefits. Extra Care will provide coverage for hospital expenses that are not covered under existing health insurance plan (up to a certain limit). After 4 years membership: Pre-existing conditions (such as Asthma or Diabetes) will be covered on plan, after 4 years continuous membership. Significant and critical illnesses that require inpatient treatment and other diagnostic costs. Hospitalization in Bajaj Allianz network hospitals Cashless facility within network hospitals (direct settlement of medical bill) If treatment is received outside of Bajaj Allianz hospital network, reimbursement received within 14 days (upon Continue reading >>

Health Ensure Policy| Health Insurance Protection Plan - Bajaj Allianz

Do Not Call | ISO 27001 Certified | Privacy Policy | Terms of Use | IRDA | Careers Disclaimer: Notwithstanding my telephone/mobile is registered with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me. Insurance is the subject matter of solicitation. Bajaj Allianz General Insurance Co. Ltd. All Rights Reserved. | IRDA Reg. No. 113 | An ISO 27001:2013 Certified Company | Tollfree:1800-209-0144 | 1800-209-5858 BAGIC CIN - U66010PN2000PLC015329 | GE Plaza, Airport Road, Yerawada, Pune-411006 Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.This site is best viewed with Firefox 3.0+, Chrome 3.0+, Safari 4.0+ with a resolution of 1024x768 Continue reading >>

Mumbai, Ncr Lead Health Insurance Claims From Diabetics

Mumbai, NCR lead health insurance claims from diabetics 7.8 per cent of the 131 crore people in the country are diabetic with the disease having claimed over two lakh lives till now, according to World Health Organisation (WHO). NEW DELHI: With diabetes affecting over 10 crore of the Indian population, metropolises like Mumbai and Delhi national capital region lead in the maximum number of diabetes-related health insurance claims in the country according to a survey. 7.8 per cent of the 131 crore people in the country are diabetic with the disease having claimed over two lakh lives till now, according to World Health Organisation (WHO), which focussed on diabetes for this this years's World Health Day on April 7. "Diabetes rarely makes headlines, and yet it will be the world's seventh largest killer by 2030 unless intense and focused efforts are made by governments, communities and individuals," says Poonam Khetrapal Singh, regional director of WHO South-East Asia. Diabetes, a chronic disease that occurs either when the pancreas does not produce enough insulin or when the body cannot effectively use the insulin it produces, has often been considered to be a lifestyle disorder, with the affluent urban population being most prone to it. While a WHO report noted rise in diabetes patients in the country, a data aggregation of some of the leading private health insurance companies suggested a rise in diabetes related health claims. The data also raised concern over such claimants belonging to the age group below 25 years. Diabetes becomes serious when patients become hyperglycemic and have to undergo costly surgeries such as diabetic retinopathy, diabetic nephropathy, diabetic neuropathy and diabetic foot treatement. A report by ICICI Lombard shows that while most of the di Continue reading >>

Diabetics, Here's Something To Cheer About

Diabetics, here's something to cheer about Bridget S Leena, Outlook Money | December 21, 2006 The World Health Organisation estimates there are 35 million diabetics in India today and the number would swell to 52 million by 2010. Of these, 95 per cent are Type II diabetics - their bodies do not produce enough insulin. Type I diabetics do not produce any. They face a far more serious problem and insurers don't give them cover. That used to be the case with Type II patients, too, but not any more. ICICI Prudential Life Insurance and Bajaj Allianz General Insurance are providing diabetes covers now. The rest do not cover diabetes if it is a 'pre-existing' disease. However, you can get mediclaim cover if the disease develops after the policyholder has had the insurance for three years continuously. Also, India's only pure health insurer, Star Health Insurance, is in the process of submitting its proposed diabetes policy for Insurance Regulatory and Development Authority approval. Type II diabetes can cause heart attacks, retinopathy (which can cause decreased vision and blindness), nephropathy (damage to or disease of the kidney) and gangrene (loss of tissues due to lack of blood supply, particularly in fingers and toes). ICICI Diabetes Care covers six critical illnesses - heart attack, coronary artery bypass surgery, kidney failure, stroke, cancer and major organ transplant. Bajaj Allianz covers all the diseases associated with diabetes under its critical illness policy. Before giving diabetes cover, Bajaj Allianz puts a patient through a medical examination and charges extra over the premium for the critical illness policy. In terms of premiums, ICICI Prudential's policy is more expensive, but pushes the policyholder to control the disease. It includes three free blood s Continue reading >>

Bajaj Allianz Travel Insurance, Overseas Health & Medical Insurance

In this Agreement, the following expressions shall, unless the context requires otherwise, have the following meanings a company formed under the Companies Act, 1956 (1 of 1956); or a co-operative society registered under the Co-operative Societies Act, 1912 or under any law for the registration of co-operative societies; or b. " Affiliate of ICM" shall mean and include: any company which is the holding or subsidiary company of ICM; or a person under the control of or under common control with ICM; or any person, in which ICM has a direct or beneficial interest or control in 26% or more of the voting securities of such person. For the purpose of this definition of Affiliate, "control" together with grammatical variations when used with respect to any Person, means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise. c."Bank Account" refers to the Customer's account with bank acceptable to the Company ("Approved Bank"), which may either be a current account, savings account, fixed deposit, term deposit or any other account facilities that ICM's Bank/ Approved Bank may offer from time to time. d. "Call Center " or "Customer Care Centre" means the call center set up by ICM to assist Customers of ICM with respect to various transactions and to furnish information etc. e. "Customer"means a Policyholder accessing the Web Site for obtaining information about various insurance products including access to all facilities that are or may be provided / offered to the Visitors, Customers and Registered Users from time to time on the Web Site. f. "Customer Password" means the password or other means of authentication as ICM may specify from time to time provid Continue reading >>

Star Vs Bajaj Allianz Health Insurance

1 year / 2 years / 3 years (if purchased for 2 years, a discount of 4% is applicable; if purchased for 3 years, a discount of 8% is applicable) Family discount of 10% up to 2 members, 15% for 3 members Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 30 years) Rs.5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs Health Guard Silver Plan: Rs.1.5 lakhs, 2 lakhs Health Guard Gold Plan: Rs.3 lakhs to 50 lakhs Renewal for whole life (for dependent children / Grand Children- Renewal up to 35 years) Room (Single Standard A/C), Boarding and Nursing expenses, and other medical expenses. Covers hospitalisation expenses due to an illness or accident per policy period Normal Delivery: Rs.15,000 & Caesarean Section: Rs.25,000 for sum insured 1.5 lakh & 2 lakh Normal Delivery: Rs.25,000 & Caesarean Section: Rs.35,000 for sum insured 3 lakhs to 50 lakhs Rs.7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs sum insured: up to Rs.1,00,000/- Daily Cash for Accompanying an Insured Child Up to Rs.500 per day maximum up to 10 days during each policy year Rs.7.5 lakhs, 10 lakhs sum insured: Rs.7,500/- Rs.15 lakhs, 20 lakhs, 25 lakhs sum insured: Rs.1,500/- Up to 1% of average sum insured after every block of 3 claim free years, maximum of Rs.2,000/- for sum insured Rs.1.5 lacks & 2 lacks and Rs.5,000 for sum insured Rs.3 lacks to 50 lacks (each member in Individual policy and proposer & spouse only under Floater policy) Rs.7.5 lakhs, 10 lakhs sum insured: Rs.750/- Rs.15 lakhs, 20 lakhs sum insured: Rs.1,000/- (upto 7 days per occurrence & upto 120 days per policy period) Covered after a continuous coverage of 4 years Covered after waiting period of 36 months Bonus 50% for every claim free year, maxmiu Continue reading >>

Health Insurance: Buy Medical Insurance Plans In India, Instant Policy Quotes | Bajaj Allianz

Health insurance policy gives you access to the best medical care and treatment while being financially protected. In case of a health emergency, your mediclaim health care policy guarantees peace of mind and ensures that you and your family are protected from medical expenses while receiving the best treatment at a hospital of your choice. Policyholders can avail multiple benefits like pre and post hospitalization expenses, cashless treatment, room rent, ambulance charges, and much more. The health insurance premium amount mainly depends on the sum insured amount as well as the number of members covered under the health insurance policy. Bajaj Allianz offers a range of affordable health insurance plans. Health insurance plans by Bajaj Allianz are custom made to protect you against the rising healthcare costs. We have the highest claim settlement ratio among private insurers. We have medical insurance plans for all categories like: Personal Accident Health Insurance Policy Bajaj Allianz health insurance is known for its unique features and its services to the customers. At Bajaj Allianz, we understand the value of the customer's time as well as money, which is proven by the fact that the average claim settlement time taken by us averages at around 1 hour, one of the fastest in the entire industry. Another key aspect is the pricing of Bajaj Allianz health insurance plans, which is very competitive even though it is loaded with all the latest features and coverages. We also have a huge base of customers who have opted for medical insurance plans by Bajaj Allianz and are extremely satisfied with the services offered by us. You can also check out Health insurance reviews provided by our customers to learn more about their experiences with Bajaj Allianz medical insurance pl Continue reading >>

Diabetes Now Covered Under Mediclaim

Home >> Insurance >> Health (Mediclaim) >> Overview Medical policies are available that cover the cost of hospitalization due to diabetes, both as a pre-existing disease and otherwise. Many ofus have had relatives, far or near, who have fought the diabetes scourge. Somedo it successfully, rarely making a difference in their lifestyle except forthe good. And then there are the others who have been forced to be martyrs tothe disorder, often being forced to give up not just a comfortable lifestylebut also, in extreme cases, mobility and good health. Diabetesmellitus, often referred to simply as diabetes, is a disorder that results inabnormally high blood sugar levels, as a result of disordered metabolism. It isusually present in patients either due to hereditary or environmental triggers.The disorder results in various diseases, such as cardio vascular disease,chronic renal failure, retinal damage leading to blindness, and so on. Theabnormal levels of sugar, both high and low, are due to a defect in creatinginsulin in the body - either a lack in secretion or a lack of insulin action. Diabeteshas been treatable since insulin became medically available in the early partof the twentieth century; but there is no cure. Patients have to take regularinsulin injections (Type 1 diabetes). Then there is the Type 2 diabetes thatcan be managed by a combination of dietary treatment, exercise, medication, andinsulin doses. Otherserious long-term complications of diabetes include nerve damage of severalkinds and micro vascular damage, which may cause erectile dysfunction and poorwound healing. Poor wound healing, particularly in the feet, can lead togangrene, and possibly to amputation. Unfortunately, a lot many of us have hadrelatives in the early part of their middle age that have had Continue reading >>

Go For Comprehensive Health Plans Covering Diabetes

Go for comprehensive health plans covering diabetes Neha Pandey Deoras/Bangalore 26 Aug 13 | 01:18 PM Public sector insurer, New India Assurance, recently did away with charging extra premium to those suffering from diabetes and hypertension under its revised health policy. New India said this move was aimed to reduce customers' claim procedure hassles. But some opine this move comes close in line with new guidelines effective October 2013, which does not allow extra loading. And all companies will comply sooner or later. At present, health insurance players like ICICI Lombard, Apollo Munich Health Insurance, Bajaj Allianz General Insurance, cover diabetes and hypertension as a pre-existing disease, that is, after a waiting period. Earlier, New India Assurance also covered diabetes and hypertension as pre-existing and the waiting period would be applicable even in the renewed policy. As per Renuka Kanvinde, head health insurance at Bajaj Allianz General Insurance, the company covers diabetes as a pre-existing disease without any extra loading at any stage of the disease. ICICI Lombard covers diabetes and hypertension without loading, albeit only mild cases. Star Health covers diabetes by way of a rider, which is priced taking into account diabetes-related risk(s) to kidney, heart, eyes and brain. At the same time, increasing cases of diabetes and related health ailments has led to companies like Apollo Munich Health Insurance and Religare Health Insurance consider a standalone diabetes cover. And then there are bank-provided group policies also that cover diabetes. How does a policyholder chose between these? While there aren't any standalone covers as yet, industry experts believe these will come at a price by anywhere between 15 and 25% compared to health insurance p Continue reading >>

Take On Diabetes With A Mediclaim Cover

Many of us would have relatives, distant or near, fighting the diabetes scourge. Some do it successfully, hardly changing their lifestyle, while others are forced to sacrifice the pleasures of life, and in extreme cases, even mobility and good health. Diabetes mellitus, often referred to simply as diabetes, is a disorder that results in abnormally high blood sugar levels as a result of disordered metabolism. It can have either hereditary or environmental triggers. The disorder can result in cardio vascular diseases, chronic renal failure and retinal damage leading to blindness, etc. The abnormal levels of sugar, both high and low, are due to a defect in creating insulin in the body either a lack of secretion or a lack of insulin action. Diabetes has been treatable since insulin became medically available in the early part of the twentieth century; but there is no permanent cure. Patients have to take regular insulin injections (Type 1 diabetes). Then there is the Type 2 diabetes that can be managed by a combination of dietary treatment, exercise, medication, and insulin doses. Other serious long-term complications of diabetes include nerve damage of several kinds and micro vascular damage, which may cause erectile dysfunction and poor wound healing. Poor wound healing, particularly in the feet, can lead to gangrene, and possibly to amputation. Some of us would have had relatives who were forced to take that extreme step in the early part of their middle age just to stay alive. Still, the trauma of going through life with a handicap must have been only slightly lesser than the actual cost of such treatment. While the emotional scars can only be healed over time, we can definitely ensure that the financial ones are minimised. Is a solution at hand? Well, yes, there is at Continue reading >>

Health Insurance For Diabetics

Diabetes Insurance Plans in India It is an irony that, though India is classified as “the diabetes capital of the world”, only a handful of insurers have come forward to specifically address the insurance needs of diabetics. Though insurance companies are quite interested in providing term insurance to diabetics, when it comes to health insurance, not many players out there are willing to provide diabetics with comprehensive coverage for the disease and its complications. The reason is quite obvious, even after taking into account the dreads of diabetes and its complications; there is a high probability that the insured will outlive the policy term. Therefore, taking into account the costs diabetics incur for their treatment and the medications required, insurers are evasive about providing these patients with comprehensive coverage that tackle such costs. Health Insurer's Offering Plan For Diabetics in India Diabetes features a number of easy to identify symptoms that include excessive thirst, frequent urination, fatigue, blurry vision and sudden weight loss. In the long term, the body takes longer to heal a wound and becomes more vulnerable to eye, nervous system and kidney damage. Diabetics find it difficult to find an affordable health insurance plan to cover diabetes-related medical costs. Most health insurance plans extend their exclusion to not only diabetes but also to complications arising from it. Currently available health covers that include diabetes and related complications do not provide it before a 4 year waiting period, post diagnosis. Certain policies that do provide diabetes coverage earlier than 4 years have very high premiums. In case of most health plans, diabetes and hypertension always features as an exclusion that are not included after 1, 2 Continue reading >>

Bajaj Allianz Silver Health Policy Basic Important Details

Bajaj Allianz Silver health Policy for Senior citizens Review Bajaj Allianz Silver health policy is designed to suit senior citizens the most. This doesnt mean that it is specifically a senior citizen plan as it allows entry at 46 years of age. I recently happened to read this policy when I was searching a suitable option for one of my client. So when I have made my opinion, I thought to share it with you too. Bajaj Allianz silver health has some good features which do attract, but one should be aware of the limitations too before zeroing on to this plan. Here is the detailed review of this policy Bajaj Allianz Silver health Policy Basic important Details Bajaj Allianz Silver health is popular as a Senior citizen policy. It is a normal health insurance plan with some definitely attractive features. Some of which are as below: No room rent limits or any kind of Sublimit. Most of the Senior citizen policies comes with Sub limits. It Covers Preexisting Illness after 1 year of waiting period which goes well with senior citizens as most of other policies ask for 4 years of waiting. No Copayment clause in network hospital is also an attractive feature. Most of the other insurers ask for co-payment in every claim, especially when policy was bought after 60 years of age. One should always look out for the restrictions part also, before deciding on the suitability of the policy. Below are some of the limitations in Bajaj Allianz Silver health Policy It has a Life time indemnity clause of 3 times the limit of indemnity/Sum assured of the first policy purchased. If during policy tenure, the policy sum assured gets enhanced by insured then for enhanced SA the life time indemnity limit would be 2 times of enhanced Sum assured. For e.g. Lets say you buy a bajaj Allianz silver health Continue reading >>

Rakesh Kumar V. Bajaj Allianz General Insurance

x This judgement has not been cited yet. Rakesh Kumar v. Bajaj Allianz General Insurance State Consumer Disputes Redressal Commission (8 Aug, 2016) Rakesh Kumar v. Bajaj Allianz General Insurance 2nd Additional Bench STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB DAKSHIN MARG, SECTOR 37-A, CHANDIGARH Consumer Complaint No. 273 of 2015 Date of institution: 16.10.2015 Date of Decision: 08.08.2016 Rakesh Kumar Dhir Son of Shri Babu Ram, Resident of House No. B-5/119, Old Hospital, Kapurthala (Punjab) through his legal representatives 2. Chandan Dhir S/o Late Rakesh Kumar Dhir 3. Deepali Dhir D/o Rakesh Kumar Dhir All resident of House No. B-5/119, Old Hospital, Kapurthala (Punjab) ..Complainants Versus 1. Bajaj Allianz General Insurance Company Ltd., Registered Office at GE Plaza, Airport Road, Yerwada, Pune-411006 (India) through its Administrative Officer/Authorized Signatory, Travel Health Administration Team; 2. Bajaj Allianz General Insurance Company Ltd., Claim Assistant Department, 2nd Floor, Bajaj Finsrv Building, Survey # 208/1-B, Behind Weikfield it Park, Viman Nagar, Pune-411014 through its Administrative Officer. Opposite Parties Consumer Complaint under section 17 of the consumer protection act, 1986. Quorum:- Shri Gurcharan Singh Saran, Presiding Judicial Member Shri Jasbir Singh Gill, Member Shri. Harcharan Singh Guram, Member Consumer Complaint No. 273 of 2015 2 Present:- For the complainants : Sh. V.K. Thakur, Advocate For OPs : Sh. Gaurav Sharma, Advocate GURCHARAN SINGH SARAN, PRESIDING JUDICIAL MEMBER Order Complainants through his LRs have filed this consumer complaint under section 17 of the consumer protection act (in short the act) against opposite parties (in short OPs) on the averments that complainant purchased policy No. OG-15-9906-9910-0 Continue reading >>

Best Health Insurance Plans For Diabetics In India

Health Insurance Plans for Diabetics in India Health Insurance Plans for Diabetics in India Best Health Insurance Plans for Diabetics in India For treatments related to diabetes, one can take a health insurance policy. Indian health insurers offer exclusive plans for diabetes such as Star Health Diabetes Safe, ICICI Prudential Diabetes Care, National Insurance Varishta Mediclaim, etc. As a diabetic in India, it can be hard to find good health insurance products that dont have terms and conditions that totally exploit you. As we all know, health insurance companies today are being run like businesses that will do anything to release themselves from the legal obligation of parting with their money and paying you the insurance benefit thats due. Diabetes falls under the high risk category or is written off as a pre-existing ailment and any medical expenses arising out of the same are not eligible for claims. Escape from annoying clauses and enjoy the benefits of excellent insurance cover with these health insurance plans for diabetes: Applicable for those already living with Diabetes Mellitus or even those at risk for Diabetes Mellitus. Sum assured options from Rs.3 lakh to Rs.10,00,000. Available on individual and floater basis. Covers all complications from diabetes from day 1 of the policy. Pre-hospitalization expenses taken care of for up to 30 days prior to hospitalization. Post-hospitalization expenses taken care of for up to 60 days after discharge from the hospital. Automatic restoration of Basic Sum Insured by 100% (not available for floater policy). Income tax benefits under Section 80D of the Income Tax Act, 1961. Cashless hospitalisation facility wherever possible in network hospitals. Applicable to those suffering from Type 2 Diabetes or Pre-Diabetes. Sum ass Continue reading >>

Diabetes Types | Bajaj Allianz

Thank you for visiting us at The views, opinions, advice, statement, information, data etc., as expressed/contained in this blog is provided by Bajaj Allianz General Insurance Co. Ltd [BAGIC] only for general information purpose to the readers/insured. Please read terms and conditions of offer before purchasing insurance policy. BAGIC endeavour to keep the information up to date and correct, however BAGIC make no representations, assurances or warranties of any kind, express or implied of whatsoever nature, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in this blog. Any information/advice given on this blog is a general information/advice and not specific for any reader/insured. The views, opinions, advice, statement, information, data, contents displayed or distributed etc. in this blog shall not be or is not meant to be used or be relied or enforced or be the basis for any legal rights, duties, obligations and or for any other purposes of whatsoever nature by readers/insured/public either for their relying upon any terms and conditions for insurance policies of BAGIC or other insurers and or for making any claim or for seeking any other services/policies from BAGIC /other insurers or any other purpose/person. Therefore readers/insured shall form his/her independent Judgment/decision without relying on this blog. For seeking/proposing any insurance policy from BAGIC, readers/insured/public are requested and advised that they shall duly comply with all the requirements of BAGIC and any insurance contract by or with BAGIC shall always be strictly as per standard Terms and Conditions of BAGIC. No claim is eligible/entertained outside the standard Terms and Cond Continue reading >>