Getting insurance is essential for every individual and families – and we suggest going for Bajaj Medical Insurance. It provides an essential safety net against growing medical costs. It gives coverage for various healthcare requirements, guaranteeing that consumers can access high-quality medical care without burdening yourself with monetary concerns.
Therefore, it’s vital to study and know the Bajaj Medical Insurance’s features so that you have all the crucial information that you must know as a policyholder before purchasing or renewing a policy. These factors are vital for having access to funds when you need them the most – in this case a medical emergency or a medical intervention.
Know these characteristics of Bajaj medical insurance:
Here are some of the features of the Bajaj Health Insurance plans for you to know:
- Bajaj is a trusted name
‘Humara Bajaj’ is a slogan we have all heard. It may be for scooters, but we all know the name Bajaj symbolises trust and transparency. When you take a Bajaj Health Insurance you are signing up with a company who are there for you when you need them. The customer care will provide the best possible assistance whenever the need arises. Also there is the assurance that you will get what is paid for.
- Insurance Coverage or Total Insured
Your medical costs should be covered by your insurance amount. It becomes vital you take the appropriate amount of insurance – and this depends on your age, gender, lifestyle and history of diseases in the family. When taking a policy from Bajaj, you can be assured of getting the right estimate for you. The insurance care executives will guide you to make sure you the insured amount can adequately cover the costs, in case the need arises.
- Waiting Time for Pre-Existing Conditions
Your Bajaj Medical Insurance does not instantly cover certain ailments on the start date of the policy. There can be a waiting period of months, and if certain diseases mentioned in the policy are diagnosed before the waiting period is over, the medical costs for these will not be covered by the insurance company. However, Bajaj Medical Insurance plan has a very small list of diseases that it lists as pre-existing conditions, making it an ideal policy for many individuals.
- A network of treatment-accessible hospitals
Bajaj Medical Insurance has hundreds of hospitals on its empaneled network. This is the network of hospitals where you can get cashless treatment. If you are getting treatment at one of the empaneled hospitals, the bills are paid directly to the hospital by Bajaj Insurance once the verification is complete. The best part is that the network of hospitals are present in metropolitan cities, Tier 2 cities, and smaller towns across the length and breadth of India.
- Hospitalization pre and post-expenses
These are the costs incurred both before and post-hospitalization and are both covered by Bajaj Medical Insurance. You need to find out how many days of pre- and post-hospitalization expenditures are covered. Typically, coverage extends to 30 days before hospitalization and 60 days following hospitalization. Nonetheless, it is advisable to check over the plan and make sure the plan you have selected covers you as needed.
Bajaj Health Insurance offers plans for individuals and families. You can choose between individual plan and family floater plans depending on your unique requirements. For a family plan, you can include parents, children and spouse. Verify the policy details including the inclusions and exclusions. Will it cover pre- and post hospitalisation costs? Ask the insurance agent for the details, the list of empaneled hospitals and the procedures you need to follow to get the insurance.