bajaj allianz

Category: Education

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By: BHAVESHMOTIYANI (68 month(s) ago)


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VEHICLE INSURANCE Loss or Damage to your vehicle against Natural Calamities Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. Loss or Damage to your vehicle against Man-made Calamities Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air. Personal Accident Cover Coverage of Rs. 1 Lakh for the individual owner/driver of the vehicle while driving or travelling, mounting or dismounting from the two wheeler. Optional personal accident covers for co-passengers available. Third Party Legal Liability Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

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Normal wear and tear and general ageing of the vehicle Depreciation or any consequential loss Mechanical/ electrical breakdown Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement Vehicles being used otherwise than in accordance with limitations as to use Damage to/ by a person driving any vehicles without a valid license Damage to/ by a person driving the vehicle under the influence of drugs or liquor. Loss/ damage due to war, mutiny or nuclear risk


HEALTH INSURANCE INDIVIDUAL HEALTHGUARD: Features The member has cashless facility at over 2400 hospitals across India The member can opt for hospitals besides the empanelled ones, in which the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents. Pre and post - hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization. Cumulative bonus of 5 % is added to your sum assured for every claim free year. Family discount of 10 % is applicable. Covers ambulance charges in an emergency subject to limit of Rs. 1000 /- No tests required up to 45 years up to SI 10 lacs * 10% co- payment applicable if treatment taken in non-network hospitals. Waiver of co-payment is available on payment of additional premium Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz Coverage 10 lacs coverage available from 3 months up to 55 years* Policy can be renewed up to 70 years* In built E-opinion cover for SI 5 lacs & above.

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CLAIM PROCEDURE: The illness / claim should be reported to BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LTD. with an immediate notice by telephone or in Writing (email / Letter) A photocopy of your previous policy details prior to taking your Health Guard policy from Bajaj Allianz (if applicable) A photocopy of your present policy document with Bajaj Allianz First Prescription from the Doctor. The Claim Form duly signed by the claimant or family member. The Hospital Discharge Card The Hospital Bill giving detailed break up of all expense heads mentioned in the bill. E.g. if Rs.1,000/- has been charged towards medicines in the bill, the names of the medicines, the unit price and the quantity used should be mentioned. Similarly e.g. If Rs.2,000/- has been charged towards Laboratory Investigations, then the names of the investigations, the number of times each investigation has been performed and the rate should mentioned. In this way clear break ups have to be mentioned for OT Charges, Doctor’s Consultation and Visit Charges, OTConsumables , Transfusions, Room Rent, etc…

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FAMILY FLOATER POLICY: FEATURES: With Health Guard, the member has access to cashless facility at various empanelled hospitals across India. (subject to exclusions and conditions) In case the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents Pre and post hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization 10% co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital. Waiver of the co-payment clause is available on payment of additional premium. Covers ambulance charges in an emergency subject to limit of Rs.1000/- 130 daycare procedures are covered subject to terms & conditions E-opinion rider cover inbuilt for sum insured of Rs. 5 lacs , Rs. 7.5 lacs and Rs. 10 lacs


HOUSEHOLDER INSURANCE Fire & allied perils: Fire can cause huge damages, which can affect your finances. We provide a policy which covers dangers such as: Building and contents. Fire, Lightning, Explosion/Implosion, Aircraft damage, damage from rail/road, vehicle or animal, Riot/Strike, Storm, Cyclone, Flood, Earthquake, Landslide including rock slide, Missile testing operations, Leakage from automated sprinkler installations and bush fire Exclusions: 5% of the claim amount for every claim arising out of Act of God perils Damage due to terrorist activities Note: Terrorism Cover Extension can be opted by paying extra premium

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Burglary & Robbery: This policy provides you the peace of mind you need, it covers you from:   The damage caused due to housebreaking and thefts Protection provided on first loss basis i.e. 40% of the total value of contents along with list of value needs The total sum insured should be the market value of the property Exclusion: It excludes loss of livestock, motor vehicles, pedal cycles and money stamps (Unless specifically declared.) Burglary/House breaking where any member of the insured's family is the principal Jewellery and/ Precious stones: Jewellery today has become an integral part of our lives for any occasion. We provide a policy which safeguards this asset by covering: Jewellery kept in specified bank lockers and also list of items covered with their value to be provided Valuation Certificate is required: If the value of individual item in this section exceeds 10% of the sum insured or otherwise liability shall be restricted to 10% of the sum insured If the sum insured is Rs. 5 lacs or more or where the value of the individual item exceeds Rs. 5,000/- Exclusion on loss or damage caused to / from : Crackling, scratching or breakage of lens, glass, gramophone records or other items of fragile nature Car, except from a fully enclosed saloon car having all doors, windows and other opening securely locked and fastened

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Baggage Insurance: The current lifestyle includes a lot of touring but there is always a strong possibility of losing your baggage during your travel. Now you can enjoy your tour peacefully as the policy pays you, in respect of any loss regarding your baggage while on holiday / tour Exclusions: The policy doesn't cover theft from car except from fully enclosed saloon cars having all the doors, windows and other opening securely locked Loss to money securities, gold and silver ornaments, travel tickets, cheque, share certificates and articles of consumable nature Personal Accident Insurance: Accidents are sudden and often result in large financial implications. Our policy makes provisions to protect such losses by covering: You and your family members under this section Details of each person along with the amount insured for them have to be mentioned Amount insured is restricted to 60 times the monthly income. For non working spouse and children above 18 the insurance is limited to Rs. 1 lac and for children below 18 its limited to Rs. 50,000/- In case of unfortunate event of Permanent Disability as explained in the schedule, 125% of the amount insured will be given



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