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Medical insurance

Bajaj Allianz offers medical insurance plans, family floater health insurance, senior citizen, critical illness and top up health insurance policies.

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Medical insurance

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  1. Medical insurance

  2. Benefits of purchasing Medical Insurance Plans • A medical insurance is necessary for any individual as the medical issues have been rising due to the sedentary lifestyle amongst the people. A medical emergency can come up anytime and strike a person emotionally and financially. With the increasing medical inflation, individuals are turning towards health plans to avoid exorbitantly high medical bills. • Health insurance companies have started providing customized plans for the individuals so that he or she enjoys full benefits and can pay the premiums with ease. IRDAI has issued new guidelines in basic health insurance policies. The new guidelines has increased the age limit up to 65, lifetime renewability, and lists of standard exclusions. Now it is easier for the insurance holders to choose a customized health plan and also compare the products online to buy a suitable plan.

  3. There are two types of medical insurance available in the market; indemnity and benefit policies. Indemnity policies such individual policies and family floater plan pay for your hospital bills, ambulance and medicines, whereas, benefit policies pay for critical illness if you are detected with any issue. • Your first priority should be basic indemnity policy that covers hospital fees, room rent, doctor’s fee and other medical and hospital expenses. After this you should look for a plan that covers critical illness and plans with specific covers. Financial advisors have said that is always a wise decision to buy a medical insurance early in the life so that it covers maximum illness and you can also enjoy no claim bonus.

  4. Surgery plans and cardiac plans: • Experts suggest that surgeries and cardiac plan are beneficial as they act as a base plan for the treatment of viral infections, diarrhea, and digestive ailments. This provision can be used without disturbing the actual medical insurance plan. • Coverage for specific diseases: • In case you have a serious illness it becomes difficult to buy insurance. You have to undergo certain tests and still there is a possibility of your plan getting rejecting. Here specific plans come into action. Some companies in the recent past have started offering plans specific diabetic and cardiac patients focusing on the plan benefits of the particular disease.

  5. Follow Us: https://www.facebook.com/BajajAllianz http://www.linkedin.com/company/653474 https://plus.google.com/+BajajAllianzGIC/posts https://twitter.com/BajajAllianz https://www.youtube.com/user/BajajAllianzGIC https://instagram.com/bajajallianzgeneral/

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