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PERSONAL ACCIDENT
ASSET
9 Jewellery Insurance 21
(2) Health insurance can help you to get better quality care as a member of a coordinated
health plan than you would get on your own.
(3) With health insurance, you do not have to worry about the cost of care when you are sick.
(4) The additional cash provided under family health insurance can be very valuable when you
are not well.
(5) No need to buy individual policies for whole family, whole family can be covered under
one plan.
(6) You do not pay income tax on health insurance benefits so it is more valuable per Rupee
than the same amount in taxable pay.
Why buy health insurance when you are already covered under the group mediclaim policy?
There are four main advantages of buying a retail health insurance policy;
Pay for What You Need: You get a choice to choose between different insurance plans.
It's Yours No Matter Where You Work: If you buy coverage through a private health plan, you
do not have to worry about cumulative bonus and coverage of pre-existing diseases.
Continuity benefits: Pre-existing ailments are generally covered after 4 years of continuous
renewal. So a Retail Health Policy helps you to have continuity benefits.
Post retirement: With an increase in age health care costs go higher and so do premiums that
you pay for them. By starting early you would pay lesser for higher sum assured.
1
Your family’s health
is your best asset
Family Health
Features
Hospitalization Expense Reimbursement: In sudden illness, accidents or
emergency surgeries, the hospital expenses are reimbursed.
Floater Benefit: Protects an Individual and her/his family members
(spouse and 3 dependent children) under a single policy.
Hospital Cash Benefits: Provides cash benefit for every completed day of
hospitalization. (Options of Rs. 500/- & Rs. 1000/- per day for max 30 days)
Cashless Facility: Facility available at over 2400 leading empaneled hospitals
across India.
Pre and Post Hospitalisation Expenses: Covers relevant medical expenses
incurred 60 days prior to and 90 days after hospitalization.
Day Care Procedures: Covers hospitalization even if it is for a period of
less than 24 hrs for 130 listed day care procedures.
E-Opinion: Cover for Insured (subject to limits) who is diagnosed by a Doctor
to be suffering from a Serious Medical Condition, which first occurs or
manifests itself during the Policy Period. The E-Opinion Services applies only
if the Insured has opted for Sum Insured of Rs. 5 Lacs.
Cumulative Bonus: Every claims free year under the policy will entitle
cumulative bonus of 5% to Sum Assured.
Ambulance Charges: The policy covers ambulance charges in an emergency
subject to a maximum of Rs. 1000.
Health Check up: Free health check up for a maximum amount of Rs. 1000
(per policy) at the end of 4 continuous claims free years.
Income Tax Benefit: Section 80 D of the Income Tax Act.
Cover for Pre-existing illness: Covered after four years of continuous
renewals.
USP
Floater policy which covers whole family under one plan.
Comprehensive package at competitive premium.
Section - 1 2
Premium
Age Band
Scheme details
3m-25 yrs 26-40 yrs 41-45 yrs 46-55 yrs
Option 1: Hospitalization Expenses of Rs 1 lakh and Hospital Cash payout of Rs 500 (30 days)
Individual 1479 1813 2447 3603
Two Adults 2106 2780 4019 6278
2 Adults + 1 Child 3158 3908 5222 7112
2 Adults + 2 Child 4211 5036 6024 7796
2 Adults + 3 Child 5264 6164 7152 8924
Option 2: Hospitalization Expenses of Rs 2 lakh and Hospital Cash payout of Rs 1000 (30 days)
Individual 2608 3276 4401 6756
Two Adults 3693 5004 7186 11706
2 Adults + 1 Child 5540 6983 9296 13128
2 Adults + 2 Child 7386 8961 10694 14286
2 Adults + 3 Child 9233 10940 12672 16265
Option 3: Hospitalization Expenses of Rs 3 lakh and Hospital Cash payout of Rs 1000 (30 days)
Individual 3576 4416 5864 8153
Two Adults 5048 6714 9526 14081
2 Adults + 1 Child 7573 9419 12411 16138
2 Adults + 2 Child 10097 12123 14340 17834
2 Adults + 3 Child 12621 14828 17045 20538
Option 4: Hospitalization Expenses of Rs 4 lakh and Hospital Cash payout of Rs 1000 (30 days)
Individual 4602 5670 7327 11586
Two Adults 6485 8595 11867 19917
2 Adults + 1 Child 9727 12069 15573 22451
2 Adults + 2 Child 12970 15543 18074 24522
2 Adults + 3 Child 16212 19017 21548 27996
Option 5: Hospitalization Expenses of Rs 5 lakh and Hospital Cash payout of Rs 1000 (30 days)
Individual 5514 6696 8790 13867
Two Adults 7762 10134 14208 23795
2 Adults + 1 Child 11642 14292 18643 26830
2 Adults + 2 Child 15523 18450 21636 29312
2 Adults + 3 Child 19404 22608 25794 33470
Service Tax extra
Eligibility
All family members in the age group of 3 months to 55 years are eligible for this cover.
Age at entry shall not be more than 55 years.
The minimum age for the proposer or single person to be covered is 18 years.
No standalone policies to be given unless the person is unmarried. In case of a family,
all family members have to be insured with Bajaj Allianz without selection.
Section - 1 3
Complete health protection
for you and your family
Family Floater
Health Guard
In these times of rising medical costs, this Policy is the perfect Health protection for
you and your family. It takes care of the expensive medical treatment incurred during
hospitalization resulting from serious accident or illness.
Features
With Family Floater Health Guard, the member has access to cashless facility at
various empaneled hospitals across India. (subject to exclusions and conditions)
In case the member opts for hospitals besides the empaneled 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
Health Check up in designated Bajaj Allianz Diagnostic Centers or
Reimbursement up to Rs. 1000/- at the end of continuous four claims free years.
This benefit can be availed by only one member of the family.
Income tax benefit on the premium paid as per section 80-D of the Income Tax
Act
USP
In-house Claim Administration.
Global expertise & local knowledge.
Innovative packages to match individual need at competitive prices.
Quick disbursement of claims.
Section - 2 4
Premium
Section - 2 5
Eligibility
Entry age for proposer is 18 yrs - 55 yrs. Policy can be renewed up to 70 yrs.
Section - 2 6
When you are unwell,
expenditure should be the
last thing bothering you
Silver Health
Features
This policy offers access to senior citizens to best medical treatment, cashless benefit
or medical reimbursement for hospitalization expenses due to illness or accident. It
covers the following:
Pre-existing Illness: Pre-existing illness covered from the second year of policy
only up to 50% the limit of indemnity in a policy year.
Indemnity: The policy has a lifetime indemnity limit of three times the Limit of
Indemnity specified in the earliest senior citizen plan, if the policy is renewed
continuously
Cashless Facility: With Silver Health plan the member has access to the cashless
facility at various network hospitals across India. (In case of treatment in a non
network hospital the expenses shall be reimbursed within 14 working days with
20% of co-payment to be paid by the member)
Bonus: Cumulative bonus of 5% to your Limit of Indemnity for every claim free
year and a Family discount of 5%
Tax benefit: Tax benefit under section 80 D of the Income Tax Act
}
Section - 3 7
USP
Premium
Eligibility
}
Section - 3 8
Ensuring you the Maximum
Health Ensure
Features
The member has access to cashless facility in more than 2400 empanelled hospitals
across the country subject to terms and exclusions.
In case the member opts for hospitals other than the empanelled ones the expenses
incurred would be reimbursed within 14 days from the date of submission of all
documents.
An amount equivalent to 2% of admissible hospitalization expenses towards pre and
post hospitalization medical expenses is also covered.
The policy covers ambulance charges in case of emergency subject to a maximum of
Rs. 1000 per policy period.
130 day care procedures subject to terms and conditions.
5% family discount.
Health check up at designated Bajaj Allianz empanelled diagnostic centre after every
four claims free policy periods.
Income Tax Benefit under section 80D of the IT Act on the premium paid for this
policy
USP
}
Section - 4 9
Premium
A – Rates applicable for cities other than Metros
B – Rates applicable for Metro cities (Delhi, Mumbai, Bangalore, Chennai & Kolkata)
Eligibility
}
Section - 4 10
PERSONAL ACCIDENT
11
Accidents
made less painful
Safe Guard
Features
Accidental death
Note: *Children's Education bonus is Rs. 5000/- for one child or Rs. 10,000/-
maximum for 2 children below the age of 19.
USP
Comprehensive package.
Premiums are extremely competitive.
Section - 5 12
Premium
Premium inclusive of service tax
Eligibility
For any Sum insured the income of the Axis bank customer should commensurate
with the SI opted. Maximum calculation as 60 times of the monthly salary.
Documentation
Section - 5 13
From Insecure to Secure
Personal Guard
Life is uncertain. The accidental death or injury of a breadwinner can create serious financial
problems for the family. Personal Guard cover ensures total security and peace of mind as it
covers the insured against bodily injury or death caused due to accidents.
Features
PS: Total (Basic + Wider + Comprehensive) not to exceed 120 times of monthly income
USP
Section - 6 14
Premium
The Premium differs in case of different risk levels determined by the occupation.
Risk Level I :
Administrative / managing functions, accountants, doctors, lawyers, architects, teachers
and similar occupations
Risk Level II :
Manual labour, garage mechanic, machine operator, paid driver (car / truck / heavy
vehicles) cash carrying employee, builder, contractor, veterinary doctor and similar
occupations.
Benefit Chart
Eligibility
Any Indian citizen between 18 to 65 years is eligible for this policy.
Section - 6 15
HOME
16
A comprehensive protection
for the contents of your house
Safe Home
Features
This policy safeguards the contents in policy holders household, due to the losses that
can arise due to fire, theft, burglary and other perils.
Household Contents
Exclusion: Burglary and/or housebreaking where any member of the insured's family is
the principal or accessory. It also excludes cash, stamps, jewellery, livestock, motor
vehicles and pedal cycles. It also excludes loss or damage due to terrorist activities.
Valuables include silver items, gold coins, and expensive watches above
Rs 10,000/-
Note: A Valuation Certificate would be required in case the value of any individual item
in this section, exceeds Rs. 15,000/-
Exclusion: On loss or damage caused to/ from crackling, scratching or breakage of lens,
glass, gramophone records or other items of fragile nature.
Cash at Home
This section provides coverage for cash at home against fire, burglary,
theft and larceny. Any loss due to larceny shall be restricted to 50% of
Sum Insured under this subsection.
USP
Comprehensive package policy.
Competitive pricing.
Easy and hassle free claim settlement process.
Section - 7 17
Premium
Section - 7 18
Make your dream House
live on forever
Safe Home Plus
Features
Home is a dream you have turned into reality - with your sweat, pain, happiness,
energy and time. We help you protect this dream against unforeseen calamities.
USP
Comprehensive package Policy
Easy claim settlement
Long term cover up to 20 years
Low premium rates
Section - 8 19
Method of premium calculation
Cost of construction.
Rs. 1500/- per sq. feet: Mumbai, Thane, Navi Mumbai, New Delhi, NCR,
Gurgaon, Noida, Chennai, Bangalore, Hyderabad, Pune, Kolkata and
Ahmedabad
Rs. 1200/- per sq. feet: Rest of India
Premium
Service tax extra Tenure of the Insurance Rate per Rs. 1 lac of sum insured
3 Yrs 113
5 Yrs 170
10 Yrs 250
15 Yrs 375
20 Yrs 500
Eligibility
Section - 8 20
Your royal treasure
needs a reliable guard
Features
Protection against loss of Jewellery due to Burglary or Fire while at home or
being carried to the bank locker.
USP
Minimum documentation. Also no list of items to be insured required
Worldwide coverage 24*7
Covers jewellery from fire and burglary while kept at home / bank locker
Premium
Service tax extra Particulars Sum Insured (Rs) Premium (Rs)
2,00,000 2,499
Jewellery 3,00,000 3,249
Insurance 5,00,000 4,999
10,00,000 9,999
Eligibility
Section - 9 21
Yet another smart decision
for your business
Business Advantage
Features
Fire & Allied Perils
A. Coverage:
I Fire
II Lightning
III Explosion / implosion
IV Aircraft damage
V Impact damage
VI Riots, strike and malicious damage
VII Storm, Cyclone, Tempest, Hurricane, Tornado, Flood & Inundation
VIII Subsidence and Landslide/ Rockslide
IX Missile testing operations
X Leakage from automatic sprinkler installations
XI Bush Fire
XII Earthquake (Fire and Shock)
XIII Bursting and / or overflowing of water tanks, apparatus and pipes
III Loss of money from the cashier's till and/ or counter caused by robbery
in the insured premises.
Money Insurance
A. Coverage:
This section will indemnify the Insured for the loss of money in transit
to the specified destinations against robbery, theft or any other
fortuitous event. Transit for the purpose of this Policy commences
with the taking over of the money for the purpose of transit and ends
as soon as the money reaches the place of delivery.
Section - 10 22
Features
Plate Glass
A. Coverage
Fixed plate glass, frames, frameworks etc. in the interior of the business
premises or the display windows is expensive and is prone to accidental
damage.
The Company will indemnify the Insured for:
Accidental loss or damage to the Plate Glass at the Insured
Premises.
Reasonable cost of repairing/ reinstating damaged frames
and/ or frameworks but subject to a maximum of Rs. 5000/-
for each and every claim.
Electronic Equipments
A. Coverage:
This is an ALL RISK COVER.
Loss or damage due to any cause other than those specifically
excluded are covered.
Damage to External Data Media and the cost of reproduction of lost
data stored therein is covered.
Sum insured to be on reinstatement basis.
Basis of Indemnity.
The cover is subject to Excess as follows:
The first 10% of the claim amount subject to a
minimum of Rs. 2500/- for each and every claim
involving computers.
5% of the claim amount subject to a minimum of
Rs. 1000/- for other equipments*
In case of partial loss, no deduction shall be made for
depreciation in respect of parts replaced except those with
limited life but the value of salvage will be taken into account.
In case of total loss, the settlement will be subject to
depreciation from the replacement value of the insured item.
* Terrorism cover Extension can be opted for an extra premium.
Public Liability
A. Coverage:
This section will indemnify the Insured against his legal liability to pay
damages for third party civil claims arising out of bodily injury or
property damage caused in the course of the business by an accident
in the insured premises during the policy period. This is in accordance
with Indian Law and other than in respect of the Public Liability
Insurance Act, 1991, or any other no fault liability base.
Section - 10 23
Premium
USP
Section - 10 24
How are claims handled?
All claims would be taken care of by Bajaj Allianz. You need to register the claim
directly with Bajaj Allianz, by dialing any of the following numbers:
For any further details on this policy, please contact our nearest Axis Bank Branch
OR
SMS “Insurance <<city name>>” to +91 97170 00002