Bajaj Allianz Health Infinity Insurance Plan

Bajaj Allianz Health Infinity Insurance Plan

Bajaj Allianz offers a unique health insurance plan called Bajaj health infinity that offers the best features for individuals and families. It is a comprehensive health plan which provides an option of the unlimited sum insured, allowing a policyholder to get first-rate treatment in any registered hospitals all over India. 

The policy covers cashless claims, reimbursement claims, pre-existing illnesses benefit, preventive health check-ups, emergency road ambulance charges, etc. 

Eligibility criteria for Bajaj Allianz health infinity 

Key highlights of Bajaj Allianz Health Infinity Policy

• Bajaj Allianz Health Infinity Policy provides comprehensive coverage without any limit on the sum assured.
• The plan offers coverage for in-patient hospitalization treatment without any sub-limit.
• Policyholders can get coverage for a road ambulance up to Rs.5000 per hospitalization.
• One of the critical features of this plan is that it excludes pre-medical tests for up to 45 years. 
• The policy provides coverage for pre-hospitalization and post-hospitalization with a waiting period of 60 days and 90 days, respectively.
• Policyholders who have pre-existing illnesses can age coverage after 36 months. 
• Bajaj Allianz Health Infinity Policy offers preventive health check-ups at the end of every 3 policy years. 
• Policyholders can select the health policy as per the day room rent.
• Lifetime renewability. 
• Income tax privilege benefits. 
• 5% discount for policies purchased online and each renewal. 
• 4% discount for a 2-year policy term and 8% discount for a 3-year policy term. 

Inclusions in Bajaj Allianz Health Infinity Policy

• In-patient hospitalization expenses:  The policy offers reasonable and customary medical expenses for policyholders when they get hospitalized due to critical illness and accidents. 
• 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.
• Per day room rent: A policyholder can avail of room rental options ranging from Rs. 2000 to Rs. 50000 per day
• Daycare procedures: Bajaj Allianz health insurance policy offers coverage for daycare procedures or surgeries that require hospitalization for less than 24 hours.
• Preventive health check-up: The policy provides a free preventative health check-up after every continuous period of 3 years.
• Emergency road ambulance: A policyholder can get compensation for emergency road ambulance up to Rs. 5000 per hospitalization.
• Critical illness coverage: The policy offers coverage for critical illnesses such as cancer, heart attacks, stroke, etc. 
• Accidental coverage: Policyholders can get coverage for injuries and disabilities caused by accidents under this policy.

Exclusions in Bajaj Allianz health infinity policy

• Bajaj Allianz health infinity policy doesn’t offer coverage for any dental treatment.
• Self-inflicted injuries and the problems that arise due to any intoxicating substances.
• Any unrelated diagnostic and treatment expenses. 
• Surgeries conducted without consulting a doctor. 
• Pregnancy or maternity-related expenses.
• Medical treatment outside India.
• Injuries caused due to hazardous and adventure activities. 
• Cosmetic or plastic surgery. 
• Dietary supplements and substances purchased without a prescription. 
• HIV or Aids-related expenses.
• External appliances and devices.
• Circumcision unless recommended by a doctor for illness or injury treatment. 
• Weight loss treatments.
• Treatments for other systems other than allopathy. 
• Unproven treatments.

Bajaj Allianz health infinity policy cancellation 

A policyholder can cancel the policy by giving 15 days written notice, and the company will refund the premium amount for the unexpired policy period. On the other hand, it is applicable only if policyholders have not claimed anything under the policy.