Bajaj Allianz Global Health Care

At a Glance

The global health insurance coverage in the health insurance plans offers a medical cover for the treatment that one undergoes whether domestic or international. If you are sufficiently covered, you need not worry about the global health insurance cost incurred towards treatment.

The international health insurance plan offers a cover no matter where you are across the globe. The international health insurance coverage include out-patient treatment expenses, air ambulance, medical evaluation, and so forth as per the plan chosen under Global Health Care policy.

The key benefit of having worldwide health insurance is to have an access to medical care and attention globally. With the right plan in place, you can avail the treatment in the country you reside in or internationally.

The policy covers

1. In-Patient Benefits for Domestic Cover
2. In-patient Hospitalization Treatment
3. Room Rent, Pre-Hospitalization
4. Post-Hospitalization
5. Local (Road) Ambulance
6. Day Care Procedures
7. Living Donor Medical costs
8. Annual Preventive Health checkup
9. Ayurvedic / Homeopathic Hospitalization
10. Air Ambulance
11. Inpatient Psychiatry and Psychotherapy
12. Rehabilitation
13. Modern Treatment Methods and Advancement in Technologies

The Global Health Care product offers two plans namely:

• ✓ Imperial Plan
• ✓ Imperial Plus Plan

The Imperial Plan is a lower-end plan and Imperial Plus Plan is a higher-end plan. Both these plans have Domestic and International covers. The key difference between an Imperial and Imperial Plus Plan is that the latter has a higher sum insured (SI) options and also offers enhanced features of inbuilt OPD cover, medical evacuation & repatriation, palliative care, etc.

Cover Level

Sum Insured Option

Plan Benefits

Coverage and Benefit - Domestic Cover

*The total Sum Insured payable under all covers will not exceed the In-patient Hospitalization Treatment Limits

Coverage and Benefit – International Cover

Note: The total Sum Insured payable under all the above covers will not exceed the In-patient Hospitalization Treatment Limits

*The covers will be on cashless basis only

At times, choosing global medical insurance could seem to be a tough task. However, being adequately covered is the need of the hour. Medical inflation can take a toll on your pocket. And, if you are abroad, it becomes extremely crucial to have a global health insurance policy in place. You surely would not wish to spend money from your pocket or settles for any mediocre health care services.

Read on to know about some of the features of our Global Health Care plan:

Cashless Facility: The overseas mediclaim facility offers the cashless facility to the insured member. The incurred medical expenses are directly settled with the network hospital by the insurance company as per the terms and condition of the policy.

Adequate Coverage: With our global health care plan you remain worry free that you need not compromise on availing of the best medical services or treatment whether domestic or international. If you have an overseas mediclaim insurance policy you will be provided with suitable cover for expenses related to hospitalization, maternity consultations etc.

Day Care Procedure: Any medical expenses that are incurred during the process of treatment as per listed daycare procedures or any surgery an inpatient remains covered within international health insurance India.

Hospitalization Expenses Cover: The international medical insurance provided coverage in case the insured is admitted to a hospital for minimum of 24 hours for procedures/treatments. The reason for hospitalization could due to an illness, injury or accident bodily injury during the policy team.

Out Patient Benefits for International Cover (Applicable To Imperial Plus Plan Only)

1. Out-patient Treatment – This cover provides coverage , for expenses incurred towards Consultations, Diagnostics and Prescriptions on Outpatient basis for the Illness/ Injury contracted during the Policy Period up to the limits specified in the Policy Schedule

2. Physiotherapy Benefit - This cover provides coverage , for expenses incurred towards Prescribed Physiotherapy up to 12 sessions per condition taken on Out-patient basis for Illness/Injury contracted during the Policy Period, maximum up to the limit specified in the Policy Schedule

3. Alternate/Complementary Treatment Expenses

   This cover provides coverage for expenses incurred towards consultations with therapist on Outpatient basis for the Illness/ Injury contracted during the Policy Period, up to the limits specified in the Policy Schedule for Alternate treatment methods namely chiropractic treatment, osteopathy, Chinese herbal medicine, homeopathy, acupuncture and podiatry as practised by approved therapists

Mental Health Treatment: Another key feature of global health care is that the insurer will pay the customary and reasonable costs for in-patient treatment of mental illness as specified in the policy. The mental health illness treatment is to be availed in a recognised psychiatric unit of the hospital as per the specified sum insured.

Annual Health Check-up : With every renewal of the global health care insurance policy, the policy holder is entitled to an annual preventive health check-up. The annual health check-up is available only in domestic cover. The proposer will be reimbursed the amount as per the specified limits in the policy.

Eligibility

Members: Proposer /Spouse / Dependent Children/ Parents/Sister/ Brother/Parents-in-law/ Aunt/ uncle

Cover Period: Cover Period will be 1 year

Policy Type: Individual Sum Insured Only

Additional Benefits:

In-patient Cash Benefit

You can avail of a daily cash benefit for 25 nights for receiving an in-patient treatment free of cost as per the medical condition that is covered in the policy schedule. This benefit applies to the Imperial Plus plan becomes payable once the insured is discharged from the hospital and is subject to the sum insured, sub-limits, conditions, etc.

Modern Treatment Method

The proposer will pay the customary and reasonable expenses for the modern treatment method as mentioned in the policy schedule. It is subject to the terms and conditions of the policy. 

Rehabilitation

Global Health Care offers a cover for any treatment that combines therapies such as occupational, physical, and speech therapy. The proposer pays up to a specified limit in the policy schedule.

Waiting Period:

Disease Waiting Period

1. Initial waiting period 30 days
2. OPD 30 days
3. Specific diseases viz. cataract, hernia, cysts, polyps, etc 24 months
4. Pre-existing Diseases 36 months
5. Physiotherapy 90 day

Disclaimer

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of Bajaj Allianz Global Health Care (IRDA of India Regn.No.151) CIN: U66000MH2012PLC227948 having the Registered office address at 401/ 402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon East, Mumbai – 400063. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. Bajaj Allianz Global Health Care with UIN: MCIHLIP22224V012122 is underwritten by Bajaj Allianz Global Health Care. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. ISNP registration valid.

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change.

Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-860-267-1234 or our overseas customer service number 91-44-66854555 or write to us at [email protected]. Visit us at: www.dbs.com/in

UIN - BAJHLIP23209V022223