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Bajaj Allianz Total Health Secure Goal Protect Health, Secure Life

  • Cover Mediclaim & Life Insurance in one policy
  • Get additional 5% discount on the combi plan premium
  • Covers maternity, organ donor expenses and reinstatement of Sum Insured
  • Tax benefit under section 80C + 80D of Income Tax Act, 1961
Online term plan from Bajaj Allianz Life
Download Brochure 9 pages - 440KB
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Comprehensive Hospitalization And Protection Plan - Bajaj Allianz Total Health Secure Goal

Bajaj Allianz Total Health Secure Goal is a combined insurance plan of Health Insurance and Life Insurance plan. This single plan makes sure that complete health care is made available to you without exhausting your savings and affecting yours and your family’s financial condition. This insurance plan additionally provides for a term insurance cover, thus taking care of your family’s total health and security needs!

Single policy covering Health & Life cover

Single touch point for all communications

In-house Claim Administration

Global Expertise in managing Health Insurance

An additional discount of 5% is available on the total premium payable under the Combi plan

Choose the Sum Insured under Health Guard plan

Choose the Sum Assured & policy term for Bajaj Allianz iSecure Term plan

Entry Age

Minimum & Maximum Entry Age

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

18 to 60 years

Policy Term

Policy Term

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

10 /15 /20/25/ 30 years

Renewable for Life

Premium Payment Term

Premium Payment Term

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

Equal to Policy Term

Annual premium payment with lifetime renewable option for health cover

Benefit Payable

Benefit Payable

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

Sum Assured opted at inception

Hospitalization expenses as per policy terms & conditions

Sum Assured/ Sum Insured

Sum Assured/ Sum Insured

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

Minimum - ` 2,50,000
Maximum - As per Board
Approved Underwriting Process

Minimum - ` 1,50,000
Maximum - ` 50,00,000

Premium Payment Frequency

Premium Payment Frequency

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

Yearly

Grace Period

Grace Period

Bajaj Allianz iSecure

Bajaj Allianz Health Guard

30 Days

For the eligibility criteria under the individual plans, namely Bajaj Allianz Health Guard and Bajaj Allianz iSecure, kindly refer to the Annexure 1 & Annexure 2 respectively 

Death Benefit (iSecure)

Individual Life

  • In case of unfortunate death of life assured during the policy term, provided all premiums are paid up to date, the benefit Sum Assured
  • The policy cover will terminate immediately on death of the life assured

Joint Life

  • The death benefit is payable on death of each life, provided the policy is in-force. The benefit payable will be Prevailing Sum Assured
  • On death of any one of the life assureds, the policy will automatically continue on the surviving life assured with a reduced premium. The reduced premium will be based on the age, policy term, premium payment frequency and sum assured of the surviving life assured as at the inception of the policy.
  • The policy cover will terminate immediately on death of the surviving life assured

Maturity Benefit (iSecure)

No maturity benefit shall be payable on survival till the end of the policy term.

Surrender Benefit (iSecure)

No surrender benefit is payable under the plan.

Tax Benefits (iSecure)

Premium paid are eligible for tax benefits under section 80C of the Income Tax Act and death benefit is eligible for tax benefit under Section 10( 10D) of the Income Tax Act, subject to the provision stated therein.

Health Guard - Silver Plan

In-patient Hospitalisation Treatment

If You are hospitalized on the advice of a Doctor as defined under the policy, because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period, then We will pay You, Reasonable and Customary Medical Expenses incurred subject to :

  • Room, Boarding and Nursing Expenses as provided by the Hospital/Nursing Home up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower.
  • If admitted in ICU, we will pay up to actual expenses provided by Hospital.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
  • Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, cost of Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory diagnostic tests, X-ray and such similar expenses that are medically necessary

Note: In case of admission to a room at rates exceeding the limits as mentioned under 1.(I) , the reimbursement of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be payable in the same proportion as the admissible rate per day bears to the actual rate per day of room rent charges.

Pre-Hospitalisation

The Medical Expenses incurred during the 60 days immediately before you were Hospitalised, provided that: Such Medical Expenses were incurred for the same illness/injury for which subse-quent Hospitalisation was required, and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment Cover.

Post-Hospitalisation

The Medical Expenses incurred during the 90 days immediately after You were discharged post Hospitalisation provided that: Such costs are incurred in respect of the same illness/injury for which the earlier Hospitalisation was required, and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment Cover.

Road Ambulance

We will pay the reasonable cost to a maximum of Rs 20000/- per policy year incurred on an ambulance offered by a healthcare or ambulance service provider for transferring You to the nearest Hospital with adequate emergency facilities for the provision of health services following an Emergency.

We will also reimburse the expenses incurred on an ambulance offered by a healthcare or ambu-lance service provider for transferring You from the Hospital where you were admitted initially to another hospital with higher medical facilities.

Claim under this section shall be payable by Us only when:

  • Such life threatening emergency condition is certified by the Medical Practitioner, and
  • We have accepted Your Claim under "In-patient Hospitalisation Treatment" or "Day Care Procedures” section of the Policy.

Subject otherwise to the terms, conditions and exclusions of the Policy.

This benefit will be applicable annually for policies with term more than 1 year.

Day Care Procedures

We will pay you the medical expenses as listed above under In-patient Hospitalisation Treatment Cover for Day care procedures / Surgeries taken as an inpatient in a hospital or day care centre but not in the outpatient department. Indicative list of Day Care Procedures is given in the annexure I of Policy wordings.

Organ Donor Expenses

We will pay expenses towards organ donor's treatment for harvesting of the donated organ, provided that

  • The organ donor is any person whose organ has been made available in accordance and in compliance with THE TRANSPLANTATION OF HUMAN ORGANS (AMENDMENT) BILL, 2011and the organ donated is for the use of the Insured Person, and
  • We have accepted an inpatient Hospitalisation claim for the insured member under In Patient Hospitalisation Treatment Cover.

Convalescence Benefit

In the event of insured hospitalised for a disease/ illness/ injury for a continuous period exceeding 10 days, We will pay benefit amount of Rs. 5,000 per policy year.

This benefit will be triggered provided that the hospitalization claim is accepted under In Patient Hospitalisation Treatment Cover. This benefit will be applicable annually for policies with term more than 1 year.

Daily Cash Benefit for Accompanying an Insured Child

We will pay Daily Cash Benefit of Rs. 500 per day maximum up to 10 days during each policy year for reasonable accommodation expenses in respect of one parent/legal guardian, to stay with any minor Insured Person (under the Age of 12), provided the hospitalization claim is paid under Inpatient Hospitalisation Treatment Cover. This benefit will be applicable annually for policies with term more than 1 year.

Sum Insured Reinstatement Benefit

If Inpatient Hospitalization Treatment Cover Sum Insured and cumulative bonus (if any) is exhausted due to claims lodged during the Policy year, then it is agreed that 100% of the Sum Insured specified under Inpatient Hospitalization Treatment Cover be reinstated for the particular Policy year provided that:

  • The reinstated Sum Insured will be triggered only after the Inpatient Hospitalization Treatment Cover Sum Insured inclusive of the Cumulative Bonus(If applicable) has been completely exhausted during the policy year;
  • The reinstated Sum Insured can be used for claims made by the Insured Person in respect of the benefits stated in Inpatient Hospitalization Treatment Cover.
  • If the claimed amount is higher than the Balance Sum Insured inclusive of the Cumulative Bonus (If applicable) under the policy, then this benefit will not be triggered for such claims
  • The reinstated Sum Insured would be triggered only for subsequent claims made by the Insured Person. In case of relapse within 45 days, this benefit will not trigger 
  • This benefit is applicable only once during each policy year & will not be carried forward to the subsequent policy year/ renewals if the benefit is not utilized.
  • This benefit is applicable only once in life time of Insured Person covered under this policy for claims regarding CANCER OF SPECIFIED SEVERITY and KIDNEY FAILURE REQUIRING REGULAR DIALYSIS as defined under the policy.
  • This benefit will be applicable annually for policies with term more than 1 year.
  • Additional premium would not be charged for reinstatement of the Sum Insured.
  • Incase Family Floater policy, Reinstatement of Sum Insured will be available for all Insured Persons in the Policy.

Preventive Health Check Up

At the end of block of every continuous period of 3 years during which You have held Our Health Guard policy, You are eligible for a free Preventive Health checkup. We will reimburse the amount equal to 1% of the sum insured max up to Rs. 2000/- for each member in Individual policy during the block of 3 years. This benefit can be availed by proposer & spouse only under Floater Sum Insured Policies.

You may approach us for the arrangement of the Health Check up. For the avoidance of doubt, We shall not be liable for any other ancillary or peripheral costs or expenses (including but not limited to those for transportation, accommodation or sustenance).

Health Guard - Gold Plan

In-patient Hospitalisation Treatment

If You are hospitalized on the advice of a Doctor as defined under the policy because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period, then We will pay You, Reasonable and Customary Medical Expenses incurred subject to

  • Room, Boarding and Nursing Expenses as provided by the Hospital/Nursing Home without any sublimit.
  • If admitted in ICU, we will pay up to actual expenses provided by Hospital.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
  • Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, cost of Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory diagnostic tests, X-ray and such similar expenses that are medically necessary.

Pre-Hospitalisation

The Medical Expenses incurred during the 60 days immediately before you were Hospitalised, provided that: Such Medical Expenses were incurred for the same illness/injury for which subse-quent Hospitalisation was required, and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment Cover. 

Post-Hospitalisation

The Medical Expenses incurred during the 90 days immediately after You were discharged post Hospitalisation provided that: Such costs are incurred in respect of the same illness/injury for which the earlier Hospitalisation was required, and We have accepted an inpatient Hospitalisation claim under Inpatient Hospitalisation Treatment Cover.

Road Ambulance

We will pay the reasonable cost to a maximum of Rs 20000/- per policy year incurred on an ambulance offered by a healthcare or ambulance service provider for transferring You to the nearest Hospital with adequate emergency facilities for the provision of health services following an Emergency.

We will also reimburse the expenses incurred on an ambulance offered by a healthcare or ambulance service provider for transferring You from the Hospital where you were admitted initially toanother hospital with higher medical facilities.

Claim under this section shall be payable by Us only when:

  • Such life threatening emergency condition is certified by the Medical Practitioner, and
  • We have accepted Your Claim under "In-patient Hospitalisation Treatment" or "Day Care Procedures” section of the Policy.

Subject otherwise to the terms, conditions and exclusions of the Policy.

This benefit will be applicable annually for policies with term more than 1 year.

Day Care Procedures

We will pay you the medical expenses as listed above under In-patient Hospitalisation Treatment Cover for Day care procedures / Surgeries taken as an inpatient in a hospital or day care centre but not in the outpatient department. Indicative list of Day Care Procedures is given in the annexure I of Policy wordings

Organ Donor Expenses

We will pay expenses towards organ donor's treatment for harvesting of the donated organ, provided that

  • The organ donor is any person whose organ has been made available in accordance and in compliance with THE TRANSPLANTATION OF HUMAN ORGANS (AMENDMENT) BILL, 2011and the organ donated is for the use of the Insured Person, and
  • We have accepted an inpatient Hospitalisation claim for the insured member under In Patient Hospitalisation Treatment Cover.

Convalescence Benefit

In the event of insured hospitalised for a disease/ illness/ injury for a continuous period exceeding 10 days, We will pay benefit amount of Rs. 5,000 for Sum Insured up to Rs. 5 lacs and Rs. 7500 for Sum Insured 7.5 lacs and above per policy year. This benefit will be triggered provided that the hospitalization claim is accepted under In Patient Hospitalisation Treatment. This benefit will be applicable annually for policies with term more than 1 year.

Daily Cash Benefit for Accompanying an Insured Child

We will pay Daily Cash Benefit of Rs. 500 per day maximum up to 10 days during each policy year for reasonable accommodation expenses in respect of one parent/legal guardian, to stay with any minor Insured Person (under the Age of 12), provided the hospitalization claim is paid under Inpatient Hospitalisation Treatment Cover.

This benefit will be applicable annually for policies with term more than 1 year. 

Sum Insured Reinstatement Benefit

If Inpatient Hospitalization Treatment Cover Sum Insured and Cumulative Bonus (if any) is exhausted due to claims lodged during the Policy year, then it is agreed that 100% of the Sum Insured specified under Inpatient Hospitalization Treatment Cover be reinstated for the particular Policy year provided that:

  • The reinstated Sum Insured will be triggered only after the Inpatient Hospitalization Treatment Sum Insured inclusive of the Cumulative Bonus(If applicable) has been completely exhausted during the policy year;
  • The reinstated Sum Insured can be used for claims made by the Insured Person in respect of the benefits stated in Inpatient Hospitalization Treatment.
  • If the claimed amount is higher than the Balance Sum Insured inclusive of the Cumulative Bonus (If applicable) under the policy, then this benefit will not be triggered for such claims
  • The reinstated Sum Insured would be triggered only for subsequent claims made by the Insured Person. In case of relapse within 45 days, this benefit will not trigger
  • This benefit is applicable only once during each policy year & will not be carried forward to the subsequent policy year/ renewals if the benefit is not utilized. 
  • This benefit is applicable only once in life time of Insured Person covered under this policy for claims regarding CANCER OF SPECIFIED SEVERITY and KIDNEY FAILURE REQUIRING REGULAR DIALYSIS as defined under the policy.
  • This benefit will be applicable annually for policies with term more than 1 year.
  • Additional premium would not be charged for reinstatement of the Sum Insured.
  • Incase Family Floater policy, Reinstatement of Sum Insured will be available for all Insured Persons in the Policy.

Preventive Health Check Up

At the end of block of every continuous period of 3 years during which You have held Our Health Guard policy, You are eligible for a free Preventive Health checkup. We will reimburse the amount equal to 1% of the sum insured max up to Rs. 5000/- for each member in Individual policy during the block of 3 years. This benefit can be availed by proposer & spouse only under Floater Sum Insured Policies.

You may approach us for the arrangement of the Health Checkup. For the avoidance of doubt, We shall not be liable for any other ancillary or peripheral costs or expenses (including but not limited to those for transportation, accommodation or sustenance).

Ayurvedic / Homeopathic Hospitalisation Expenses

If You are Hospitalised for not less than 24 hrs, in an Ayurvedic / Homeopathic Hospital which is a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health on the advice of a Doctor because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period then We will pay You: In-patient Treatment- Medical Expenses for Ayurvedic and Homeopathic treatment:

  • Room rent, boarding expenses 
  • Nursing care 
  • Consultation fees 
  • Medicines, drugs and consumables,
  • Ayurvedic and Homeopathic treatment procedures
  • Our maximum liability is up to Rs. 20000 per policy year.

This benefit will be applicable annually for policies with term more than 1 year. The claim will be admissible under the policy provided that,

  • The illness/injury requires inpatient admission and the procedure performed on the insured cannot be carried out on outpatient basis

Maternity Expenses

We will pay the Medical Expenses for the delivery of a baby (including caesarean section) and/or expenses related to medically recommended and lawful termination of pregnancy, limited to maximum 2 deliveries or termination(s) or either, during the lifetime of the insured person, provided that,

  • Our maximum liability per delivery or termination shall be limited to the amount specified in the policy Schedule as per Sum Insured opted From Sum insured Rs. 3lacs to Rs. 7.5lacs it is restricted to Rs. 15000 for normal delivery and Rs. 25000 for caesarean section and from Sum insured Rs. 10lacs to Rs. 50lacs it is restricted to Rs. 25000 for normal delivery and Rs. 35000 for caesarean section
  • We will pay the Medical Expenses of pre-natal and post-natal hospitalization per delivery or termination upto the amount stated in the policy Schedule.
  • Waiting period of 72 months from the date of issuance of the first policy with us, provided that the policy has been renewed continuously with us without break for you. Fresh waiting period of 72 months would apply for all the policies which are issued with continuity under portability guidelines either from our existing Health Product or any other Non-Health or Standalone Health Insurance Company.
  • We will not cover Ectopic pregnancy under this benefit (although it shall be covered under In patient Hospitalisation Treatment Cover)
  • Any complications arising out of or as a consequence of maternity/ child birth will be covered within the limit of Sum Insured available under this benefit.

New Born Baby Cover

Coverage for new born baby will be considered subject to a valid claim being accepted under Maternity Expenses. We will pay the following expenses within the limit of the Sum Insured available under the Maternity Expenses section. We will pay for

  • Medical Expenses towards treatment of your new born baby while you are hospitalised as an inpatient for delivery. 
  • Hospitalisation charges incurred on the new born baby during post birth including any complica-tions shall be covered up to a period of 90 days from the date of birth and within limit of the Sum Insured under Maternity Expenses without payment of any additional premium
  • Mandatory Vaccinations of the new born baby up to 90 days, as recommended by the Indian Pediatric Association will be covered under the Maternity Expenses Sum Insured.

Bariatric Surgery Cover

If You are hospitalized on the advice of a Doctor because of Conditions mentioned below which required you to undergo Bariatric Surgery during the Policy period, then We will pay You, Reasonable and Customary Expenses related to Bariatric Surgery

Eligibility:

For adults aged 18 years or older, presence of severe obesity documented in contemporaneous clinical records, defined as any of the following:

BMI greater than and equal to 40 in conjunctions with any of the following severe co morbidities:

  • Coronary heart disease; or
  • Medically refractory hypertension (blood pressure greater than 140 mm Hg systolic and/or 90 mm Hg diastolic despite concurrent use of anti-hypertensive agents of different classes); or
  • Type 2 diabetes mellitus 

Special Conditions applicable to Bariatric Surgery Cover

  • This benefit is subject to a waiting period of 36 months from the date of first commencement of this policy and continuous renewal thereof with the Company.
  • Policies which are issued with continuity under portability guidelines either from our existing Health Product or any other Non-Health or Standalone Health Insurance Company will have to wait for 36 months from issuance of Health Guard policy to avail this benefit.
  • Our maximum liability will be restricted to 50% of Sum insured maximum up to Rs. 5 lac
  • Bariatric surgery performed for Cosmetic reasons is excluded.
  • The indication for the procedure should be found appropriate by two qualified surgeons and the insured person shall obtain prior approval for cashless treatment from the Company. 

Is there any pre-policy check up for enrolling under Health Guard policy?

  • Applicable only for new proposals
  • No Medical tests upto 45 years, subject to no adverse health conditions
  • Medical tests would be advised for the below adverse health conditions:
    • Diabetes
    • Hypertension
    • Lipid Disorders
    • Combination of any of the above
    • Obesity
    • Joint Disorders
  • Medical tests (pre-policy check up) are mandatory for members above 45 years.
  • he pre-policy check up would be arranged at our empanelled diagnostic centers.
  • 100 % cost of pre-policy check up would be refunded if the proposal is accepted & policy is issued 

Age of the person to be insured

Sum Insured

Medical Examination

Up to 45 years 

All Sum Insured options 

No Medical Tests*

Above 45 years

All Sum Insured options 

Medical Tests required as listed below: Full Medical Report, CBC, Urine R, ECG, Lipid profile,Fasting BSL, HbA1c, SGOT, SGPT, Sr Creatinine

*Subject to no adverse health conditions mentioned above

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  • Claim deposits via electronic transfer to make process faster
  • Solvency ratio of 767% **
  • Our Priority is not to sell Life Insurance, it is to serve you in the fastest & most convenient manner when you need us.

**All figures as on 31 December, 2018.

"What are your life goals?" is one of the most common questions that comes to one's mind while taking any step further in Life. Most just answer it by laughing it off or saying we will think about it.

A key reason that they feel this way is that they haven't spent enough time thinking about what they want from their life, and haven't set themselves any goals.

Goals keep changing as per different life stages and one has to plan meticulously for their future.

Deciding your Life Goal is all about planning to "Live your life, your way". There could be various Life Goals such as trotting the globe, becoming a food blogger to starting your own business, owning your dream house, or planning your Childs education or marriage.

L"IF"E is full of IF's... and one needs to plan to secure their loved ones and themselves against the Ifs of Life. When you opt for a life insurance plan, you transfer your family's financial risks in case of any unfortunate event to the life insurer. This allows you and your loved ones to live life fearlessly. Life Insurance protects your family's financial wellbeing from the consequences of living without an income.

When you purchase a life insurance policy, one of your major life goal gets fulfilled i.e. you purchase a sense of security. A safety net that cushions your family members from the financial impact of your sudden absence and ensures that any outstanding debts that were incurred during your lifetime don't fall upon your loved ones.

Having life goals is an important aspect in each one's life. One needs to be SMART and plan out well in advance to ensure nothing goes wrong in the future. Life insurance offers a range of products that could come in handy for meeting your financial goals.

To ensure that it is not too late, get your #LifeGoals insured with us today! It will help you smile in the face of tomorrow's uncertainties and let you live a worry free life!