Overview
The Bajaj Allianz Health Care Supreme Vital plan is a comprehensive health insurance policy offering a wide range of benefits. It includes coverage for hospitalization expenses without room rent restrictions, no co-pay clauses, no disease wise sub-limits.. The plan also provides in-built maternity benefits, newborn baby coverage, and free annual health check-ups. Optional add-ons like personal accident and critical illness covers are available.
Experts Review
Written by Nikhil Nair
Senior Writer
Bajaj Allianz’s Health Care Supreme Vital plan is a robust health insurance solution that offers extensive coverage with no room rent restrictions, no disease wise sub-limits and no co-payment making it suitable for those seeking comfort during hospitalization.
Its cover for daycare procedures, AYUSH, pre-post hospitalization (60-90 days) and outpatient expenses coverage enhance its appeal for managing ongoing medical needs, however, it lacks domiciliary coverage. The plan's sum insured reinstatement benefit (100% once for a different illness) ensures continuous financial protection if the base sum is exhausted.
However, the plan is considered fairly expensive compared to other options, which may deter budget-conscious buyers. For instance, it can be 10-15% more costly than comparable policies like the HDFC Ergo Optima Secure plan for similar coverage. Additionally, while it offers a range of benefits, the plan's premium costs might not be justified for all policyholders, especially those seeking more affordable health insurance solutions.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Offers Physiotherapy Cover, which makes this policy stand out.
Cons
No coverage if you are forced to hospitalize at home, which is a notable gap.
Bajaj Allianz
Key Insights
Founded
2001
Bajaj Allianz was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97% claims settled in 30 Days
Bajaj Allianz settles 97% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Bajaj Allianz has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
3 complaints per 10,000 claims registered
Bajaj Allianz maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Maternity
STANDOUT
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹25,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
Physiotherapy Cover
STANDOUT
You get coverage for Physiotherapy up to defined limits based on the base cover taken. This benefit is available on an Out-Patient basis up to 10 sessions per illness/injury in a policy year.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Add-ons
Ancillary Expenses
Lump sum payout of a fixed amount in cash every day for your stay at the hospital subject to certain limits.
Critical Illness
Get a lump sum payout in the event you are diagnosed with 15 listed critical illnesses outlined in the policy document.
Personal Accident Cover
Paid out as a lump sum amount for Accidental Death, Total Permanent Disability, Permanent Partial Disability up to defined limits.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Any type of gastrointestinal ulcers
Cataracts
Any type of fistula
Macular degeneration
Benign prostatic hypertrophy
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
2 years Pre-existing disease waiting period
Ditto's Take
◦ Excellent ◦
After a close look at the waiting periods, we can say that the waiting periods on this policy are excellent. Especially the PED waiting period which is better than usual.
What's missing in the policy
No coverage if you are forced to hospitalize at home.
Customer Reviews
M
Madhav M.
No room rent restrictions is a major advantage, offering complete flexibility.
M
Maya I.
Comprehensive coverage for various medical expenses.
M
Mihir M.
Good for individuals who want peace of mind without worrying about room rent caps.
P
Pranav C.
Need to compare features against the higher premium to see if it's value for money.
O
Om D.
Considered fairly expensive, more costly than comparable plans like HDFC Ergo Optima Secure.
N
Neel J.
A solid plan for those prioritizing no room rent limits.
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Frequently Asked Questions
Does Health Care Supreme Vital have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- There’s a 1 to 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2-year waiting period before you can make claims related to pregnancy and childbirth.
Does Health Care Supreme Vital have room rent restrictions?
Does Health Care Supreme Vital offer a restoration benefit?
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