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Bajaj Allianz My Health Care vs ICICI Lombard Complete Health Insurance (Health Elite)
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Compare Bajaj Allianz My Health Care and ICICI Lombard Complete Health Insurance (Health Elite)
Claims Track Record:
Bajaj Allianz My Health Care
When it comes to settling claims, Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. They have a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Additionally, they've received fewer complaints related to claims compared to other insurers.
Service Experience:
Bajaj Allianz My Health Care
The Bajaj Allianz General Insurance Company Limited offers customer service via toll-free number and Twitter. Both their Twitter response and toll-free response rate are average. In case of any issues or queries, you can contact either of these channels for assistance.
Product Benefits:
Bajaj Allianz My Health Care
The Bajaj Allianz My HealthCare Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge up to the sum insured. It covers 399 daycare treatments, domiciliary treatments (except 15 illnesses), and modern treatments up to the sum insured. Also, costs associated with harvesting the organ from the donor are covered up to the sum insured as well. The Bajaj Allianz My HealthCare Plan comes with a room rent limit, under which you can select up to a Single Private Room. There is no ICU rent limit or deductible. However, you can opt for an optional copayment of 5% or 10% or 20%. Common treatments/surgeries like cataract treatment are covered up to 20% of the sum insured per eye per policy year subject to a maximum of Rs 1 lakh, and joint replacement surgery is covered up to the sum insured. Under the policy, pre-existing diseases have a 36-month waiting period, and specific diseases/treatments have a 24-month waiting period.