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Bajaj Allianz

Bajaj Allianz

Family Policy: A decent policy for families, covering pre-existing diseases after 2 years. However, it has some unsavoury conditions, including room rent limits, so read more details.

What We Like

This section highlights the strengths and benefits of Health Ensure Family Plan policy by Bajaj Allianz. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

Short waiting period for Pre Existing Diseases

Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Health Ensure Family Plan policy by Bajaj Allianz. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Some Cover for Alternative Medicine

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

What We Don't Like

This section addresses the limitations and drawbacks of Health Ensure Family Plan policy by Bajaj Allianz. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

No coverage if you are forced to hospitalize at home

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

No Restoration Benefit

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

Underwhelming bonus feature

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No free Health Checkups unless you wait 3 years

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No coverage if you are forced to hospitalize at home

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

No Restoration Benefit

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

Underwhelming bonus feature

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No free Health Checkups unless you wait 3 years

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No Restoration Benefit

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

Underwhelming bonus feature

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No free Health Checkups unless you wait 3 years

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

Underwhelming bonus feature

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No free Health Checkups unless you wait 3 years

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No free Health Checkups unless you wait 3 years

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Health Ensure Family Plan in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The plan is available for families, covering all members including children aged 3 months and above.

Yes, the plan covers pre-existing conditions after a waiting period of 24 months.

The plan offers coverage for maternity expenses after a waiting period of 3 years.

Yes, the plan covers over 130 daycare procedures that require less than 24 hours of hospitalization.

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