Global Health Care
Bajaj Allianz
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Full Room & ICU Coverage
Covers hospital room and ICU expenses at actual costs, ensuring access to the best healthcare facilities without financial limitations.
Advanced Treatments
Covers robotic surgeries, oral chemotherapy, stem cell therapy, and stereotactic radio surgeries, ensuring access to cutting-edge medical treatments without financial constraints.
Policy Wording
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Our Verdict
The Bajaj Allianz Global Health Care plan offers worldwide coverage, including medical, maternity, dental, and wellness benefits. Ideal for frequent travelers and expats seeking comprehensive international health insurance.
About the Plan
Bajaj Allianz’s Global Health Care plan offers international health coverage for frequent travelers and multi-country residents. It includes in-patient hospitalization, ICU charges, surgeries, diagnostics, medications, and day-care procedures. The plan covers pre-hospitalization (60 days) and post-hospitalization (180 days). It also includes organ donor expenses, annual health check-ups, and air ambulance services for medical emergencies. Ensuring seamless healthcare access worldwide, this plan provides financial security for medical expenses both in India and abroad.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Normal: At Actual Sum
ICU: At Actual Sum
Advanced Treatments
Co-payment
Mandatory Co-Payment of 20% on each and every claim.
Waiting Periods
Pre-Existing Diseases:
Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Global Health Care Policy with Insurer.
Specified disease/procedure waiting period:
Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Global Health Care Policy. This exclusion shall not be applicable for claims arising due to an Accident.
30-day waiting period.
Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.
Cashless Healthcare Providers
18,400+ Network Hospitals across India.
Day Care Treatments
Covers treatment or surgery that requires less than 24 hours hospitalization
AYUSH Treatment
Covered Up to Sum Insured.
Exclusions
Pre-existing diseases covered after 36 months of continuous renewal.
Specific illnesses excluded for 24 months from policy inception.
30-day waiting period for cover benefits, except accidental mishaps.
Expenses for investigation and evaluation purposes.
Rest cure, rehabilitation, and respite care.
Treatment for alcoholism, drug, or substance abuse.
Cosmetic or plastic surgery unless medically necessary.
Treatment arising from participation in hazardous or adventure sports.
Expenses related to obesity or weight control programs.
Unproven treatments or therapies not scientifically recognized.
Treatment for sterility, infertility, or assisted conception procedures.
Expenses incurred for hearing aids, unless specified in policy documents.
Treatment received outside the network of authorized providers, unless in emergencies.
Expenses related to self-inflicted injuries or attempted suicide.
Treatment necessitated due to participation in illegal activities or breach of law.
Exclusions
Maternity Cover - Provides coverage for maternity-related expenses, including delivery and prenatal care.
Dental Care - Offers reimbursement for dental treatments and surgeries as per policy terms.
Vision Care - Covers expenses for eye examinations, prescription lenses, and related treatments.
Wellness Programs - Includes access to health check-ups, fitness programs, and preventive care services.
Mental Health Support - Provides coverage for psychiatric consultations and therapy sessions.
Alternative Treatments - Covers non-allopathic treatments like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Personal Accident Cover - Offers financial protection against accidental death or disability.
Critical Illness Cover - Provides a lump sum benefit upon diagnosis of specified critical illnesses.
Hospital Daily Cash - Pays a fixed daily amount for each day of hospitalization.
Home Nursing Care - Covers expenses for nursing care services at home post-hospitalization.
Add-ons
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About the Company
Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, a leading global insurer, and Bajaj Finserv Limited. Established in 2001, the company received its registration from the Insurance Regulatory and Development Authority of India (IRDAI) on May 2, 2001, to conduct general insurance business in India.
Headquartered in Pune, Maharashtra, Bajaj Allianz offers a comprehensive range of insurance products, including motor, health, travel, home, cyber, and commercial insurance, catering to individuals, businesses, and communities. Over the years, the company has expanded its presence across approximately 950 towns in India, making it one of the largest private insurers in the country.
Bajaj Allianz has received several accolades, including being adjudged as the "Best General Insurance Company in the Private Sector" by ABP News - Banking, Financial Services Awards in 2014.The company's vision emphasizes being the first choice insurer for customers by delivering innovative solutions and seamless experiences
About the Company
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