Ganesh Chaturthi marks the beginning of this year's festive season and signifies a new beginning of prosperity and health. Begin the year’s celebrations by gifting yourself and your loved ones a comprehensive
health insurance plan to ensure financial security at the time of need.
Health insurance secures you and your family from financial risks that may arise due to medical emergencies. Such emergencies may drain your savings and affect your financial planning. Hence, there is no better gift for your loved ones than a comprehensive health insurance plan on this festive occasion.
Over the years, insurers have also evolved and introduced advanced health insurance plans keeping in mind your best interest. For instance, Bajaj Finance has partnered with top insurance companies to provide quality and affordable health insurance.
Bajaj Finance offers various health insurance plans such as individual health insurance, group health insurance, senior citizen health insurance, personal accident insurance, critical illness cover, and family health insurance plan.
Here are some of the key features offered under these health insurance plans.
Coverage for hospitalisation expenses
A health insurance plan includes various hospitalisation expenses such as doctors'/surgeons' fees, room rent, ICU expenses, cost of medicines, lab tests, oxygen, and nurses' fees. These health plans also offer coverage for pre-and post-hospitalisation medical expenses for a set period.
Cashless treatments
Cashless treatments are one of the main advantages of health insurance policies. You can avail of the cashless facility in the network hospitals of the insurer. Insurance partners of Bajaj Finance offer cashless services at 5,500+ network hospitals across the country, allowing you to focus on your recovery without worrying about funds. Simply submit your insurance papers or health card to the hospital to seek treatment.
Day-care procedures
With advancements in the field of medicine, several day-care procedures are available that require less than 24 hours of hospitalisation. Bajaj Finance offers health insurance plans that cover multiple day-care procedures.
AYUSH cover
Health insurance plans offered by Bajaj Finance also cover in-patient expenses associated with alternative therapies such as ayurveda, homeopathy, yoga, unani and siddha.
Free health check-ups
Many health insurance plans offer free medical check-ups once a year. These check-ups help you ensure your health record is maintained and you are prepared in advance for any uncertainty. However, the offering may differ from insurer to insurer; some may provide this benefit once in two years or after the waiting period is over.
Add-on benefits
You can customise your health insurance plan according to your needs. Bajaj Finance provides several add-on benefits such as maternity benefit, coverage for critical illnesses, child education benefit at a reasonable price. Obtaining various benefits under one umbrella is better than having separate plans for each purpose.
Cumulative bonus
A no-claim bonus is a reward that the insurer gives you for a no-claim year. It can be either in the form of an increase in the sum insured or a discount on the premium. You get this benefit at the time of renewal.
Tax benefit
Premium paid for a health insurance plan is eligible for a tax deduction under section 80D of the Income Tax Act. The upper limit of this benefit is Rs. 25,000 for regular taxpayers, and for senior citizens, it is Rs. 50,000 in a financial year.
So, now that you know the multiple benefits you may avail of from the health insurance plans, get a comprehensive health insurance plan that suits you best. With a health insurance plan in place, you neither have to compromise on quality healthcare nor exhaust your savings to get the best treatment. So, choose the right health insurance plan for you and your family with Bajaj Finance and stay secure.
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