Bajaj Allianz Medical Insurance - Insta Insure faq


This product is offered only to individuals upto 45 yrs and cannot be offered to groups.

The age of entry for proposer is 18 yrs to 45 yrs and dependants from 3 months to 45 yrs.

A individual can be covered under only one Insta Insure Family Health Policy, if a person is covered under more than 1 Insta Insure Family Health Policy our liability will be restricted to only one policy (SI).

In case of mid term addition of natural members, the earlier policy to be cancelled, a fresh policy to be issued, and continuity would be extended for the earlier policy for that period only for those specific members. In such cases cancellation would be done on Pro-rata basis.

Personal Accident (PA) death cover is only for the proposer, other family members cannot be covered under PA.

Health check up benefit is not applicable for this policy.

Co-payment is not applicable for treatment taken in non-network hospital.

Yes, 130 day care procedures are covered under the policy.

2% of admissible hospitalization expenses would be paid as flat benefit under this coverage..

Family discount is not applicable for this policy.

Renewal discount is not applicable for this policy.

There is no Cumulative Bonus under this policy .There would no deduction in Sum Insured by 10 % in case of a claim.

Yes, persons having Health Guard /Star Package policy can take Insta Insure Family Health Policy. The Total Sum Insured under all these policies put together cannot exceed 10 lacs

Yes continuity will be given for roll over cases from our Health Guard policy/ Star package policy; the continuity will be on the lesser or equal SI. Continuity will not be given from other company roll over cases.

Yes, standalone proposals can be accepted for self proposers, age 18 yrs -45 yrs.

Medical underwriting is not applicable for this policy. In case of any positive declarations the Kit is not to be opened and the Special proposal for positive declarations needs to be filled and referred to HO for medical uw.

There is no loading for smoking or Asthma

 
 

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