Health Ensure Individual
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Bajaj Allianzs Health Ensure Policy comes with new comprehensive benefits at competitive premiums and is a perfect product to care of medical expenses for Individual and family in case of unfortunate event of hospitalisation for illness/ injury.


  • Individual and Floater policy for Self, Spouse, Children, Grandchildren, Brother, Sister, Parents, Parents in law, Grand Parents
  • No pre-policy medical tests up to 50 years of age (subject to clean proposal form)
  • Pre-existing disease covered after 24 months from your first Health Policy
  • Pre 30 days and post 60 days hospitalisation expenses cover
  • Emergency road ambulance cover
  • Day care procedures
  • Free preventive health check up
  • Income tax benefit under 80 D of the IT Act on premiums paid for this policy
  • Ayurvedic and Homeopathic Hospitalisation Cover
  • Organ Donor Expenses
  • 5% Cumulative bonus for each claim free year
Title Description
Room Rent Limit Maximum of 1%of Sum Insured per day or up to Rs. 5000/-, whichever is lower.
ICU Daily Rent Limit Maximum of 2% of Sum Insured per day or up to Rs. 10000/-, whichever is lower
Pre-Hospitalization Expenses 30 days immediately before hospitalisation.
Post Hospitalization Expenses 60 days immediately after discharge post hospitalisation.
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage Covered
Pre-Existing Disease / Illness coverage 24 months from your first Health Policy.
Waiting Period for New Policy First 30 days from the commencement of the policy.
Co-Payment Policyholders paying Zone A premium rates can avail treatment allover India without any co-payment. But, those, who pay zone B premium rates and avail treatment in Zone A city will have
Free Health Checkup Amount equal to 1% of the sum insured max up to Rs. 1500/- for each member in Individual policy during the block of 3 years.
Ambulance Expenses Maximum of Rs. 1000/- per Hospitalisation incurred on an ambulance offered by a healthcare or ambulance service provider
Non-Allopathic Treatments Ayurvedic and Homeopathic Hospitalisation are covered
Donor Expenses Organ Donor Expenses covered
Nursing Allowance Room Rent, Boarding and Nursing Expenses as provided by the Hospital maximum of 1%of Sum Insured per day or up to Rs. 5000/-, whichever is lower.
No Claim Bonus 5% of Sum Insured per annum. The maximum cumulative increase in the Limit of Indemnity will be limited to 25% of Sum Insured. Cumulative bonus will be decreased by 5% in the event of claim.