The Bajaj General Family Floater Health Insurance Policy aims to provide your family with total financial cover in terms of providing health care to your family. Bajaj General guarantees quality care to each family member without the burden of medical bills.
The policy also provides preventive health check-ups, organ donor coverage, and advanced procedures, such as robotic surgeries. With its lifetime renewability feature and tax benefits under Section 80D, you can experience peace of mind with long-term security. Continue reading this blog to learn more about the best family floater health insurance.
11 Key Benefits of Choosing the Bajaj General Family Floater Health Insurance
Here are the key benefits you can avail from choosing the Bajaj General Family Floater health insurance plan:
- Family-floater Cover: Bajaj General Family Floater health insurance offers a family floater cover, meaning the insured sum applies to all family members under a single policy.
- In-patient Hospitalisation Cover: Bajaj General Health Insurance provides you with in-patient hospitalisation cover for accidental or illness during the policy tenure.
- Pre-hospitalisation Expenses: Bajaj General Health insurance covers pre-hospitalisation expenses and post-hospitalisation expenses as per policy terms.
- Road Ambulance Cover: Bajaj General Health Insurance offers road ambulance coverage, with payment up to ₹1,500* per hospitalisation when you transfer to a new hospital.
- Day-care Process: The day-care process is included under the floater plan. However, for effective treatment, you need to stay in the hospital, but it might not be 24-hours*.
- Cash Benefits: Bajaj General Health Insurance provides hospital cash benefits. It offers you a fixed daily allowance of ₹300* for up to 30 days* if you are in a hospital due to an accident or illness.
- Free Health Check-up: You will be entitled to a free preventive health check-up every three continuous years of policy holding. The check-up coverage is first refunded up to 1%* of the sum insured, with a limit of ₹2,000*.
- AYUSH Hospitalisation Expenses: The policy covers AYUSH hospitalisation (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy) if you are hospitalised for at least 24 hours.
- Modern Treatments: Bajaj General Insurance also offers modern treatments (e.g., robotic surgeries, immunotherapy, bone marrow transplants using stem cells) up to 50%* of the sum insured or ₹5 lakh*.
- Cumulative Bonus: You can also attain a cumulative bonus by renewing without a claim. Your sum insured can be raised by 10%* each year for up to 5 years*. You also do not need to pay an additional premium for that increase.
- Tax Benefits: The premiums paid can qualify under Section 80D of the Income Tax Act.
*These figures are subject to change. Make sure to go through Bajaj General Insurance’s website or app to get the latest information.
Factors to Consider While Purchasing a Health Insurance Plan
Consider the following factors during the purchase of a Family Floater Health Insurance Plan:
- Sum Insured
Select a sum that is adequate for your family. Think about medical bills in your city and how many family members will receive medical care.
- Family Member’s Age
It will be based on the age of the oldest family member. If one member is significantly older, opt for a separate plan.
- Benefits of Coverage
Find out if the policy you are opting for from the Bajaj General Family Floater insurance plan includes day-care procedure, hospitalisation expenses, ambulance costs, and other expenses.
- Network Hospitals
Find an insurance policy that comprises a broad network of hospitals where you can treat family members with cash to make it less complicated in case of an emergency. Bajaj General Family Floater insurance is among the best health insurance policies, covering more than 18,400+ network hospitals.
- Waiting Period
Bajaj General Family Floater Insurance, similar to other health insurance plans, has a pre-existing disease waiting period. Select the one that has the shortest waiting period.
Bottom Line
A Bajaj General Family Floater Health Insurance Policy is a good choice that safeguards your family against the rising costs of healthcare. It offers broad coverage, including AYUSH therapies and hospital cash benefits, ensuring its reliability as complete cover. The cumulative bonus rewards claim-free years and an extensive network of hospitals for immediate treatment.
Bajaj General Health Insurance also offers a set of terms and coverage options to cover your family during medical emergencies. Investing in this plan will be a smart move to protect your family members and lead a hassle-free life.
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