Bajaj Allianz Tax Gain Health Insurance
Cashless Approval TAT | Within 2 hours |
Claim Settlement Ratio | 98.00% |
Network Hospitals | 18,400+ |
Pre-existing Disease Waiting Period | 2 years |
Starting Premium for Rs. 5 lakhs SI | Rs. 364/month |
About Bajaj Allianz Tax Gain Health Insurance
No one can predict the occurrence of an illness, which may lead you to visit a physician or get hospitalised in a hospital. In some cases, you require an outpatient treatment and in other inpatient treatment. Many plans offer coverage for inpatient treatment but very few provide the cover for outpatient expenses. Here, the Tax Gain Plan by Bajaj Allianz comes in. It is a floater health policy which covers outpatient expenses (OPD) & hospitalization expenses under a single policy. This annual medical insurance policy offers coverage to self or proposer and spouse with prompt in-house claim administration.
This policy is segregated under 4 different plans and the sum insured options available under it ranges from Rs. 1 Lakh to Rs. 3 Lakh according to the plan opted. The scheme owns a separate plan for senior citizens covering both OPD and hospitalisation benefits. In totality, this plan offers coverage to people within the age group of 18 years and 75 years. Also, it gives a waiver of medical tests for people up to the age of 45 years, subject to no adverse health conditions. The plan is loaded with lifelong renewability option with several benefits including daycare procedures, ambulance cover and so on.
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Key Inclusions and Exclusions of the Plan
What's Included
- Pre and post hospitalisation expenses can be covered
- Coverage is available for around 130 daycare procedures
- Emergency ambulance charges are covered up to Rs. 1,000
- Expenses for crutches is covered from day 1 under OPD benefit
- Outpatient expenses & hospitalisation expenses
What's Not Included
- Treatment for any mental illness or psychiatric illness
- Expenses incurred on cosmetic or aesthetic treatments
- Treatment of injuries caused due to war, invasion, unrest, etc.
- Vaccination or inoculation unless a part of post-bite treatment.
- Cost of spectacles, contact lenses, hearing aids
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Bajaj Allianz Tax Gain Expert Review
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Major Attractions
The Tax Gain Plan is a blend of several features and offerings that can support policyholders in dealing with in-patient as well as out-patient expenses. Apart from that, a sufficient amount of sum insured is also provided to the policyholders under this plan. Here are the offerings that hold the biggest contribution in attracting the customers:
- Pre and post hospitalisation costs are covered
- Out-patient expenses & hospitalisation expenses
- Coverage is offered for self or proposer and spouse
- Cashless facility is available in empanelled network hospitals
- In-house claim processing by the health administration team
- Emergency ambulance charges maximum up to Rs. 1,000
- The plan owns the availability of lifetime renewability option
- Free health-check up after every 4 claim-free policy periods
- Separate plan for senior citizens with OPD & hospitalization benefits
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What’s More?
The Tax Gain Plan holds immense benefits to deliver peace of mind to the customers with its attractive features. But, the plan acquires many more components in its arsenal which are the ones that assure the nobility and reliability of this plan. Here are a few of those offerings:
- The option of portability is available
- A grace period of 30 days is permissible
- Tax benefits can be gained on the premium
- Free-look period of 15 days for new policies
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Conclusion
This Tax Gain plan is stuffed with enough features and benefits that can help in going through an in-patient as well as out-patient expenses. Its coverage is not limited to young people only but covers senior citizens as well. In addition to these, some advantageous components like in-house claim settlement, innovative package and so on are also available under this plan that makes it a perfect plan for people above 18 years.
Buying this health insurance plan has become a cup of tea for all through InsuranceDekho website which is an online platform that allows people to buy the plan after finding out coverage needs. You can, therefore, assess your needs and then choose the most suitable variant of the plan through InsuranceDekho’s website.
Claim Process at Bajaj Allianz Health Insurance
FAQs on Tax Gain Health Insurance Plan
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What are the entry and exit age applicable under this health insurance policy?
This plan has 4 variants and the entry and exit age of this policy vary from variant to variant where entry age is 18 years to 55 years under Plan A, B and C, while the entry age ranges between 56 years and 75 years for senior citizens plan D.
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Who all can find the coverage under this Tax Gain Plan?
This health insurance policy offers coverage to self or proposer and spouse.
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Can I get a free medical check-up under this health insurance policy?
Yes, free health check-up is offered under this plan at designated Bajaj Allianz Empanelled Diagnostic centres after every 4 claim-free policy periods.
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What are the features offered under this policy?
The features provided under this plan are out-patient expenses, in-patient hospitalisation costs, ambulance charges cover, daycare procedures, free health check-up, expenses for crutches and so on.