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Apollo Munich Dengue Care
Apollo Munich Dengue Care

Bajaj Allianz Tax Gain
Bajaj Allianz Tax Gain



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Apollo Munich Dengue Care
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Bajaj Allianz Tax Gain

About Apollo Munich Dengue Care and Bajaj Allianz Tax Gain

1 Details
1.1 Company Name
Apollo Munich Health Insurance
Bajaj Allianz General Insurance
1.1.1 Incurred Claims Ratio (13-14)
All About New I..
65.59 %
Rank: 17 (Overall)
86.60 %
Rank: 11 (Overall)
All About SBI General Health Insurance Family Floater
1.1.2 Incurred Claims Ratio (14-15)
All About Orien..
63.03 %
Rank: 16 (Overall)
73.59 %
Rank: 12 (Overall)
All About L And T Medisure Prime Insurance
1.1.3 Network Hospitals
All About SBI G..
4000 +
Rank: 8 (Overall)
3000 +
Rank: 11 (Overall)
All About Oriental Happy Family Floater Gold
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1.2 Type of Plan
Critical Illness Insurance
Family Floater Insurance
1.2.1 Subtypes
Individual Insurance
Not Available
1.3 Policy Status
Active
Active
1.4 Buy Online
50% Critical Illness Insurance Health Insurance Plans have it !
62% Family Health Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/AMHI/P-H/V.1/74/14-15
IRDA/NL-HLT/BAGI/P-H/V.I/149/13-14
1.6 Tax Benefits
All Critical Illness Insurance Health Insurance Plans have it !
All Family Health Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
83% Critical Illness Insurance Health Insurance Plans have it !
All Family Health Insurance Health Insurance Plans have it !
1.8 Discounts
28% Critical Illness Insurance Health Insurance Plans have it !
57% Family Health Insurance Health Insurance Plans have it !
1.8.1 Description
Not Available
Not Applicable
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
All About Bajaj..
18 Years
Rank: 1 (Overall)
18 Years
Rank: 1 (Overall)
All About Apollo Munich Optima Vital
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2.1.2 Maximum
All About New I..
65 Years
Rank: 4 (Overall)
75 Years
Rank: 2 (Overall)
All About Bajaj Allianz Insta Insure
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2.2 Entry Age for Dependent Children
2.2.1 Minimum
All About Bajaj..
91 Days
Rank: 7 (Overall)
Not Applicable
Rank: N/A (Overall)
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2.2.2 Maximum
All About Apoll..
25 Years
Rank: 3 (Overall)
Not Applicable
Rank: N/A (Overall)
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2.3 Sum Assured
2.3.1 Minimum
All About Futur..
₹ 50000
Rank: 2 (Overall)
₹ 100000
Rank: 3 (Overall)
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2.3.2 Maximum
All About Cigna..
₹ 100000
Rank: 24 (Overall)
₹ 200000
Rank: 22 (Overall)
All About Bajaj Allianz Hospital Daily Cash Allowance
2.4 Policy Term
2.4.1 Minimum
All About Bhart..
1 Year
Rank: 1 (Overall)
1 Year
Rank: 1 (Overall)
All About Bajaj Allianz Women Specific Critical Illness
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2.4.2 Maximum
All About Futur..
1 Years
Rank: 7 (Overall)
1 Years
Rank: 7 (Overall)
All About Bajaj Allianz Women Specific Critical Illness
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2.5 Medical Screening
72% Critical Illness Insurance Health Insurance Plans have it !
66% Family Health Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
All About Orien..
Not Available
Rank: N/A (Overall)
46 Years
Rank: 6 (Overall)
All About Future Generali Health Total Superior
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3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
All About Futur..
Covered up to 15 Days
Rank: 5 (Overall)
Listed in your Policy Schedule
Rank: N/A (Overall)
All About Apollo Munich Dengue Care
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3.1.2 Post-Hospitalization
All About Apoll..
Covered up to 15 Days
Rank: 5 (Overall)
Listed in your Policy Schedule
Rank: N/A (Overall)
All About Apollo Munich Dengue Care
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3.2 Room Rent
12% Critical Illness Insurance Health Insurance Plans have it !
88% Family Health Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
6% Critical Illness Insurance Health Insurance Plans have it !
20% Family Health Insurance Health Insurance Plans have it !
3.3.1 Amount
All About Apoll..
Not Available
Rank: N/A (Overall)
Not Applicable
Rank: N/A (Overall)
All About SBI General Health Insurance Family Floater
3.4 OPD Charges
6% Critical Illness Insurance Health Insurance Plans have it !
27% Family Health Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
No Critical Illness Insurance Health Insurance Plans has it !
22% Family Health Insurance Health Insurance Plans have it !
3.6 Day Care Procedures Covered
All About Relig..
Not Available
Rank: N/A (Overall)
130
Rank: 10 (Overall)
All About Bajaj Allianz Individual Surgical Protection
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3.7 Domiciliary Hospitalization
No Critical Illness Insurance Health Insurance Plans has it !
69% Family Health Insurance Health Insurance Plans have it !
3.8 Daily Cash Facility
6% Critical Illness Insurance Health Insurance Plans have it !
59% Family Health Insurance Health Insurance Plans have it !
3.8.1 Description
Not Applicable
Not Applicable
4 Medical Cover
4.1 Ambulance Charges
All About Royal..
Not Available
Rank: N/A (Overall)
₹ 1000
Rank: 11 (Overall)
All About Reliance HealthWise Individual Insurance
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4.2 Air Ambulance Charges
No Critical Illness Insurance Health Insurance Plans has it !
6% Family Health Insurance Health Insurance Plans have it !
4.3 Medical Fees
4.3.1 Consultant
11% Critical Illness Insurance Health Insurance Plans have it !
82% Family Health Insurance Health Insurance Plans have it !
4.3.2 Surgeon
6% Critical Illness Insurance Health Insurance Plans have it !
84% Family Health Insurance Health Insurance Plans have it !
4.3.3 Specialist
No Critical Illness Insurance Health Insurance Plans has it !
76% Family Health Insurance Health Insurance Plans have it !
4.3.4 Anesthetist
6% Critical Illness Insurance Health Insurance Plans have it !
75% Family Health Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
11% Critical Illness Insurance Health Insurance Plans have it !
84% Family Health Insurance Health Insurance Plans have it !
4.3.6 Nursing
11% Critical Illness Insurance Health Insurance Plans have it !
88% Family Health Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
6% Critical Illness Insurance Health Insurance Plans have it !
80% Family Health Insurance Health Insurance Plans have it !
4.4.2 Oxygen
6% Critical Illness Insurance Health Insurance Plans have it !
82% Family Health Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
6% Critical Illness Insurance Health Insurance Plans have it !
88% Family Health Insurance Health Insurance Plans have it !
4.4.4 Medicine
6% Critical Illness Insurance Health Insurance Plans have it !
78% Family Health Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
6% Critical Illness Insurance Health Insurance Plans have it !
88% Family Health Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
6% Critical Illness Insurance Health Insurance Plans have it !
67% Family Health Insurance Health Insurance Plans have it !
5 Benefits
5.1 No Claim Bonus
5.1.1 Minimum
All About Apoll..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
All About Apollo Munich Optima Senior
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5.1.2 Maximum
All About Apoll..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
All About LIC Jeevan Arogya
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5.2 Health Checkups
6% Critical Illness Insurance Health Insurance Plans have it !
76% Family Health Insurance Health Insurance Plans have it !
5.2.1 Description
Not Available
Available once at the end of every 4 claim free years
5.3 AYUSH Treatment
Not Covered
Not Covered
5.4 Maternity Expenses
No Critical Illness Insurance Health Insurance Plans has it !
49% Family Health Insurance Health Insurance Plans have it !
5.4.1 New Born Baby Cover
No Critical Illness Insurance Health Insurance Plans has it !
44% Family Health Insurance Health Insurance Plans have it !
5.5 Critical Illness Cover
All Critical Illness Insurance Health Insurance Plans have it !
39% Family Health Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
22% Critical Illness Insurance Health Insurance Plans have it !
16% Family Health Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Dengue
Not Applicable
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
18% Family Health Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Available
Not Applicable
5.6.3 Child Education Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6% Family Health Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Available
Not Applicable
5.6.5 Permanent Total Disablement
6% Critical Illness Insurance Health Insurance Plans have it !
14% Family Health Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Available
Not Applicable
5.6.7 Temporary Disablement Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
8% Family Health Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Available
Not Applicable
5.7 Restoration of Sum Insured
No Critical Illness Insurance Health Insurance Plans has it !
Not Available
5.8 Multiplier Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
Not Available
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
All About Apoll..
30 Days
Rank: 1 (Overall)
15 Days
Rank: 2 (Overall)
All About Royal Sundaram Surgicare
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6.1.2 For Policy Holder
All About Apoll..
30 Days
Rank: 3 (Overall)
30 Days
Rank: 3 (Overall)
All About Royal Sundaram Surgicare
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6.2 Rate of Premium Retained
6.2.1 Up to 1 Month
All About Star ..
25.00 % of annual premium
Rank: 3 (Overall)
25.00 % of annual premium
Rank: 3 (Overall)
All About Star Health Accident Care Individual
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6.2.2 Up to 3 Months
All About Star ..
50.00 % of annual premium
Rank: 5 (Overall)
50.00 % of annual premium
Rank: 5 (Overall)
All About L And T Personal Accident Insurance
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6.2.3 Up to 6 Months
All About Star ..
75.00 % of annual premium
Rank: 6 (Overall)
75.00 % of annual premium
Rank: 6 (Overall)
All About Max Bupa Heartbeat Individual Gold
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6.2.4 Exceeding 6 Months
All About Bajaj..
100.00 % of annual premium
Rank: 2 (Overall)
100.00 % of annual premium
Rank: 2 (Overall)
All About ICICI Lombard Health Booster
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6.3 Policy Renewal
Lifelong
Lifelong
6.4 Grace Period
All About Bajaj..
30 Days
Rank: 1 (Overall)
30 Days
Rank: 1 (Overall)
All About SBI General Health Insurance Family Floater
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6.5 Free Look Period
All About Bajaj..
15 Days
Rank: 1 (Overall)
15 Days
Rank: 1 (Overall)
All About Bajaj Allianz Women Specific Critical Illness
6.6 Waiting Period
6.6.1 No Claim Period
All About Futur..
15 Days
Rank: 1 (Overall)
30 Days
Rank: 2 (Overall)
All About Bajaj Allianz Personal Accident Insurance
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6.6.2 Specific Waiting Period
Not Available
24 months for specific illnesses
6.7 Claim Based Loading
22% Critical Illness Insurance Health Insurance Plans have it !
6% Family Health Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
All About Apoll..
Not Available
Rank: N/A (Overall)
after 48 Months
Rank: 5 (Overall)
All About Bajaj Allianz Silver Health
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6.9 Co-Pay
6% Critical Illness Insurance Health Insurance Plans have it !
53% Family Health Insurance Health Insurance Plans have it !
6.10 Sub-Limits
11% Critical Illness Insurance Health Insurance Plans have it !
27% Family Health Insurance Health Insurance Plans have it !

Details about Apollo Munich Dengue Care and Bajaj Allianz Tax Gain

Details about Apollo Munich Dengue Care and Bajaj Allianz Tax Gain include plan type, policy status, availability of online buying facility, etc. Apollo Munich Dengue Care is critical illness insurance while Apollo Munich Dengue Care is family floater insurance. Incurred claims ratio for insurance provider of plan 1 is 65.59 % while it is 86.60 % for insurance provider of 2nd plan. These ratios are as published by IRDA for the year 2013-14. 1st insurance policy cannot be bought online also 2nd policy cannot be bought online. Most health insurance plans provide tax benefits or benefit of cashless hospitalization. Discount may be offered on premium rates if the policy is bought by a group of people.

Eligibility Criteria To Buy These Plans

Eligibility Criteria to buy these plans includes the minimum and maximum entry ages for adults. Some plans also provide cover for dependent children. Entry ages for the dependent children are also provided in the eligibility criteria for the policy. Apollo Munich Dengue Care guarantees a minimum sum assured of ₹ 50000. Similarly, for Bajaj Allianz Tax Gain, assured sum of ₹ 100000 is provided. Health insurance plans can usually be bought for a time period of 1 to 3 years.

Medical and Hospital Cover

Medical and hospital cover is provided under all the health insurance plans. Pre-hospitalization cover, if provided, can be upto 60 days and post-hospitalization cover can be provided upto 180 days. Some plans also cover room rent when the patient is hospitalized. Room rent cover is provided in 1st plan. Out Patient Department includes normal check-ups or procedures that do not require surgeries. OPD charges are covered under Bajaj Allianz Tax Gain. Some of the other covers that can be offered by various insurances are non-allopathic treatment expenses, day care procedures, domiciliary hospitalization expenses, etc.

Compensation is provided for medical expenses that included fees of a consultant, surgeon, specialist, etc. Ambulance charges are not covered under plan 1 but not covered under plan 2. Some health insurances also covered expenses for consumables like blood, oxygen, anesthesia and medicines. Operation theater charges may also be covered for in insurance plans.

Benefits of Apollo Munich Dengue Care and Bajaj Allianz Tax Gain

Benefits of Apollo Munich Dengue Care and Bajaj Allianz Tax Gain may include Accidental cover, Maternity expenses, multiplier benefit, etc. Health checkups are not covered under 1st policy but covered under 2nd policy Critical Illness cover is provided in 1st policy but not provided in 2nd policy. Accidental death cover is not offered by Apollo Munich Dengue Care. Multiplier benefit is not provided under Bajaj Allianz Tax Gain.

Other Terms and Conditions

Other terms and conditions are cancellation period for insurance provider and policy holder. Insurance provider can cancel the policy between 15 to 30 days. Policy holder can cancel the policy within 30 days of purchase of the policy. Grace period of 30 days and free look period of 15 days is provided by Apollo Munich Dengue Care and Bajaj Allianz Tax Gain to the policy holders. Some insurance providers also cover pre-existing health diseases. This cover, if provided, may start from 18 to 48 months after purchase of the insurance policy.

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