Page 43 - HDFC Bank TPP Flipbook

Bajaj Allianz Family Health Care Gold:
The Unique Selling Propositions are:
• Floater Health Policy with wider Sum Insured limits and aggregate deductibles
• No Room Rent restriction
• OTC product with only 4 Age Brackets – 0-40, 41-60, 61-70 & 71+
• Free look period
• Income Tax Benefit as per Sec 80 D of the IT Act on the premiums paid for this policy
Coverage:
• In-patient Hospitalisation Treatment –
i. Room, Boarding and Nursing Expenses as provided by the Hospital/Nursing Home as per actuals
ii. ICU Boarding and Nursing Expenses as provided by the Hospital/Nursing Home as per actuals
iii. Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees
iv. Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines & drugs,
dialysis, chemotherapy, radiotherapy, Cost of artificial limbs, cost of prosthetic devices implanted
during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements,
vascular stents, relevant laboratory diagnostic tests, X-ray and such similar expenses that are medically
necessary.
• Pre-Hospitalisation - The Medical Expenses incurred during the 60 days immediately before you were
hospitalised
• Post-Hospitalisation - The Medical Expenses incurred during the 90 days immediately after you were
discharged post hospitalisation
• Road Ambulance - We will pay the reasonable cost to a maximum of r 3,000/- per valid hospitalisation
claim incurred on an ambulance offered by a healthcare or ambulance service provider
• Day Care Procedures - We will pay you the medical expenses as listed above under
1. In-patient Hospitalisation Treatment for Day care procedures / Surgeries taken as an in-patient in a
hospital or day care centre but not in the outpatient department.
• Organ Donor Expenses
• Sum Insured Reinstatement Benefit
• Hospital Cash Benefit - The Daily Allowance of r 500/- per day, for each continuous and completed period
of 24 hours of hospitalisation necessitated solely by reason of the said Accidental Bodily Injury or Sickness,
subject to a maximum of 30 days during the Policy Period.
• Preventive Health Check Up - At the end of a block of every continuous 3 policy years during which you
have held Our Family Health Care policy, you are eligible for a free Preventive Health check-up. We will
reimburse the amount equal to 1% of the Sum Insured max up to r 2,000/- during the block of 3 years.
• Ayurvedic / Homeopathic Hospitalisation Expenses - If you are hospitalised for not less than 24 hours,
in an Ayurvedic / Homeopathic hospital which is a government hospital or in any institute recognised by
Government and/or accredited by Quality Council of India/ National Accreditation Board on Health on the
advice of a doctor because of Illness or Accidental Bodily Injury sustained or contracted during the Policy
Period then we will pay you: 42