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 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 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 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 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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