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Bajaj Allianz Star Package Health Insurance

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Bajaj Allianz Health Insurance
Star Package Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Star Package Health Insurance

Star Package Policy offered by Bajaj Allianz General Insurance is a unique all-in one package policy that offers comprehensive protection for all your worries. Apart from medical cover, the policy also offers protection for household contents as well as baggage insurance. The policy comes with 8 sections from which you are required to select at least 3 sections. These are hospital cash, health guard, critical illness, personal accident, education grant, householders contents, traveling baggage, and public liability. The features and benefits differ with different sections offered under the policy. However, the Health Guard section comes with sum insured options ranging between, Rs. 1.5 Lakh and Rs. 1 Crore.

Under the policy, you can get your entire family covered at an affordable premium. The policy allows you to enhance your sum insured at the time of renewals, for which you will be required to submit a fresh proposal form with the renewal notice. A general waiting period under the policy is of 30 days which is calculated from the date of inception of the policy.

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Father
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  • You

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation and post-hospitalisation expenses
  • Road ambulance expenses
  • Expenses arising due to organ donation where insured is receiver
  • Expenses related to treatment of daycare procedures
  • In-patient hospitalisation expenses including room rent, nursing

What's Not Included

  • Treatment of any sexually transmitted disease
  • Treatment required due to participation in any hazardous activity
  • Non-allopathic treatment
  • Treatment of sexually transmitted disease
  • Dental treatment, unless necessitated due to an accident

5639 Bajaj Allianz Cashless Network Hospitals in India

Choose Bajaj Allianz Critical Illness Plan

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Star Package Policy Health Insurance Plan

  • What are the sections under Star Package Policy offered by Bajaj Allianz General Insurance?

    Star Package Policy offered by Bajaj Allianz General Insurance comes with the following options: 

    • Hospital Cash 
    • Health Guard (Silver, Gold, Platinum)
    • Critical Illness
    • Personal Accident 
    • Education Grant 
    • Householders Contents 
    • Traveling Baggage 
    • Public Liability 

    Note that you can opt for any section between Section 1 and section 8.  You are required to opt for at least 3 sections. 

  • What is the waiting period for pre-existing diseases under Bajaj Allianz Star Package Policy?

    Expenses related to treatment of pre-existing diseases and its direct complications are not covered until the insured completes 36 months of continuous coverage after the date of inception of the policy covering Health Guard section. 

  • What are the sub-limits on room rent under the Health Guard section of Star Package Policy offered by Bajaj Allianz General Insurance?

    The Health Guard section of Star Package Policy offered by Bajaj Allianz General Insurance comes with the following sub-limits on room rent: 

    • For Silver plan, there is a limit for up to 1% of sum insured per day (excluding cumulative bonus)
    • Gold plan and Platinum plan with sum insured options ranging between Rs. 3 Lakh and Rs. 7.5 Lakh allow accommodation till single private air conditioned room. Whereas the plans with sum insured options ranging between Rs. 10 Lakh and above allow accommodation in any room category. 
  • What is covered under the critical illness section of Star Package Policy?

    The critical illness section of Star Package Policy pays you a lump sum benefit amount or diagnosis of any of the listed critical illnesses, after the completion of 30 days survival period. You can use this amount for treatment of the disease, donor expenses, lifestyle changes, or a planned treatment outside India. Under the policy, you can cover your spouse as well as children too, by paying 50% and 25% additional premium respectively. 

  • Which critical illnesses are covered under Bajaj Allianz Star Package Policy’s critical illness section?

    Following are the critical illnesses covered under Bajaj Allianz Star Package Policy:

    • First heart attack-of specified severity 
    • Open chest CABG 
    • Primary pulmonary arterial hypertension
    • Permanent paralysis of limbs
    • Neurosurgery
    • Joint replacement 
    • Kidney failure requiring regular dialysis 
    • Major organ transplant
    • Stroke resulting In permanent symptoms 
    • Cancer of specified severity  
    • Multiple sclerosis with persisting symptoms 
    • Surgery of aorta 

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