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Health Insurance Policies offered by Bajaj Allianz Insurance

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Sankat Mochan (2009-10)

A special policy on Accidental injuries. Bajaj Allianz General Insurance Company introduces Sankat Mochan policy which assures complete protection from Accidental Injuries. Sankat Mochan policy covers Death, Permanent disability, Temporary disability, Accidental Hospital cash and Accidental hospitalization expenses.

Features

Highest compensation of 125% of the SI in case of Permanent Total Disability

Inbuilt Children's Educational Bonus benefit

Daily hospital confinement allowance payable in case of hospitalization due to accident (As per the plan opted)

Medical expenses reimbursement in case of hospitalization due to accidents

No health check up required

Benefits

Personal accident benefit and accidental hospitalization expenses are covered under a single policy

Hassle free in-house claim settlement with minimal documentation

This policy also covers terrorism related accidental losses for the victims

Coverage

Covers Death, Permanent Partiality Disability, Permanent Total Disability, & Temporary Total disability

In case of Temporary Total Disability, 1% of SI / week will be payable up to maximum of 100 weeks

Exclusions

Accidental bodily injury:-

      - through suicide, attempted suicide or self inflicted injury or illness

      - while under influence of liquor or drugs

      - through deliberate or intentional, unlawful or criminal act, error, or omission
aviation or ballooning,

      - participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs. - result of curative treatments or interventions carried out

      - participation in any naval, military or air force operations whether in the form of military exercises or actual war

Consequential losses of any kind or your actual or alleged legal liability

Venereal or sexually transmitted diseases

HIV (Human Immunodeficiency Virus) 

Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these

War (Whether declared or not), Nuclear energy, radiation etc.

Guidelines

This Policy can be given only for risk Class 1 and 2:

a) Risk Class I:

Insured is mainly engaged in administrative or managing functions, accountant, doctor, lawyer, architect, consulting engineer, teacher, and banker or primarily engaged in a similar occupation.

b) Risk Class II:

Insured is engaged in manual labor, garage or motor mechanic, machine operator, paid driver of a car, a truck, a lorry or other heavy vehicles, cash carrying employee, wood wording machinist or a builder contractor and engineer in superintending functions, veterinary doctor, or engaged in a similar occupation

Entry age for self and spouse-18 years 65 years, renewal up to 65 years

Entry age for children 5years 21 years

Basis of Determining the Sum Insured for PA

Basic: Maximum 100 times of Monthly income

Wider: Maximum 60 times of Monthly income

Comprehensive: Maximum 24 times Annual income or Maximum of 5 Lakhs (not to be given to risk category III)

The Capital Sum Insured not to exceed 120 times the monthly income

Plans

Total 16 plans

Self can choose the plan as per the requirement and commensuration of income

Spouse can be covered under Plan 1-5

Children can be covered under plan 1-3 only, comprehensive cover not available for children

Sankat Mochan Plans
Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Basic 200000/- 100000/- 0 0 0 0 0 0
Wider 0 0 100000/- 0 200000/- 0 0 300000/-
Comp 0 0 0 100000/- 0 200000/- 200000/- 0
Acc Hosp. 10,0000/- 50,000/- 50000/- 50,000/- 100000/- 100000/- 100000/- 100000/-
Acc Hosp. Cash 0 1000/- 1000/- 1000/- 1000/- 0 1000/- 0
Final Premium Risk class 1* 240/- 470/- 525/- 575/- 650/- 450/- 750/- 450/-
Final Premium Risk class 2* 270/- 485/- 550/- 625/- 700/- 550/- 850/- 525/-
 
Plans Plan 9 Plan 10 Plan 11 Plan 12 Plan 13 Plan 14 Plan 15 Plan 16
Basic 0 0 0 0 0 0 0 200000/-
Wider 300000/- 0 0 0 0 0 0 200000/-
Comp 0 300000/- 300000/- 500000/- 500000/- 500000/- 500000/- 200000/-
Acc Hosp. 100000/- 100000/- 100000/- 100000/- 100000/- 200000/- 200000/- 200000/-
Acc Hosp. Cash 1000/- 0 1000/- 0 1000/- 0 1000/- 1000/-
Final Premium Risk class 1* 750/- 600/- 900/- 900/- 1200/- 1050/- 1350/- 1190/-
Final Premium Risk class 2* 825/- 750/- 1050/- 1150/- 1450/- 1300/- 1600/- 1370/-
*Premium rates exclusive of service tax.
*Disclaimer: The above information is indicative in nature and for more details on the coverage, terms and exclusions please get in touch with our nearest office

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They are very prompt when you take the policy. They do not care if you have a claim or refund. they will simply reply that they can not track your request and ask for every document again and again. sometimes they would not respond or answer your queries. Please do not take any policy from this company.
manojmy Saturday, December 28, 2013
The policy what ever you mention is also good. But for health insurance I prefer AEGON Religare health insurance it provide best plan with affordable premium price.
Arati_Jadhav Sunday, January 27, 2013
i want withdraw policy for the next April and i am based in Bangalore. Please tell me whether i can pay the premium online through net.


shilpa56 Monday, November 26, 2012
Now its a joint venture between Bajaj Finserve Limited and Allianz SE not AG.Bajaj Finserve has recently demerged from Bajaj Auto Limited.
JeoThomas Thursday, September 27, 2012
Would Like to know the eligibility and the different diseases coverage of pre existing insurance mediclaim policy plz if possible mail me the exact details of above question asked to "way2mohseen@hotmail.com" Thank You
Mohseen Sunday, October 23, 2011
i would like to take medical insurance, which is the best option. Suraj
Sunrays Thursday, March 03, 2011
Pls provide me health insurance police with investment police my email manish_m05@rediffmail.com
Manish04 Sunday, January 23, 2011
Dear Sir / Madam, I would like to take a Mediclaim insurance policy for my mother aged 57. She is a diabetis patients. That is only pre existing disease. Will any other disease will be excluded if claimed which are realted to diabetis like skin problem and eyeproblem. Please let me know if it only covers existing disease or even other medical problems due to this. Thanks Sundar L
Sundarl75 Friday, January 14, 2011
Dear Customer, May we request you to send us your contact number on help.support@bajajallianz.co.in OR customercare@bajajallianz.co.in.For further reference your itrack no.10143029 Regards, Bajaj Allianz
Bajajcare Thursday, March 24, 2011
Hi!
I am ramdas bhattacharya,taken anew policy no. 0184133894.Plz confirm the same with others details of benefit in my email id, ramdasbh2006@yahoo.co.in.

ramdas Wednesday, September 01, 2010
I want to change my bank a/c address with which my Bajaj Alliance is registered. Pls help how can i proceed.
ananya2cute Sunday, April 04, 2010

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