Everything You Need to Know About Bajaj Allianz Health Prime Rider

Bajaj Allianz Health Prime Rider Meaning

The Health Prime Rider is an add-on cover you can buy with your existing health insurance policy. It gives extra benefits that your main policy might not include. This rider helps to cover costs like doctor visits, diagnostic tests, and wellness services.

The updated version also includes dental care, emotional well-being support, diet and nutrition advice, and fitness consultations, along with services like teleconsultations and yearly health check-ups. It is designed to give you complete care beyond just hospital bills.

Note:- Remember, this is a rider, not a standard health policy. You can only buy it if you are an existing customer of the Bajaj Allianz Health Insurance Plan.

Partnership Between Bajaj Allianz General and Bajaj Finserv Health

Bajaj Allianz General Insurance has teamed up with Bajaj Finserv Health to launch the Health Prime Rider. This partnership allows policyholders to access cashless services from over 90,000 doctors across 35 medical specializations for tele-consultation and 2,500 labs connected to Bajaj Finserv Health.

This rider helps people manage their healthcare needs without worrying about extra expenses. And aims to offer complete and smooth healthcare services, especially focusing on preventive care.

Health Prime Rider Benefits

Some of the major benefits of Bajaj Allianz Health Prime Rider are as follows:

Clinical Test Cover

If you are sick or injured, you can go to a network centre or another approved hospital for lab tests or scans, such as Pathology & Radiology. Health Prime Rider covers up to the limits written in the policy brochure of Bajaj Allianz. This investigation helps to detect health problems at an early age so that you can get proper treatment.

Discount Availability

This health insurance rider offers a family discount of up to 10% and 15 % for 2 or more than 2 members, respectively. Also, it gives a 20% discount to employees of Bajaj Allianz General Insurance and Bajaj Finserv Health.

Variants Available

The Health Prime Rider cover comes in different options to suit your needs. You can choose from eight individual plans, with prices starting at ?117 and going up to ?24,932 (excluding GST). There are also six family floater plans available, with premiums ranging from ?2,120 to ?30,380 (excluding GST).

Tele-Consultation Cover

If you fall sick or get hurt, you can talk to a registered doctor through video call, audio call, or chat using the online platform. Health Prime Rider helps you get medical advice from home without visiting a clinic. It saves your time and money as well.

Doctor Consultation Cover

If you are not feeling well, you can visit a listed doctor in person at a network hospital centre. If needed, you may also visit a hospital other than the one in the network. The amount of consultation will be compensated within the allowed limit mentioned in the policy.

Dental Wellness

This plan covers consultation with a certified dentist, dental fillings, and IOPA (Intraoral Periapical Radiograph) X-ray investigations. It also includes essential procedures such as Root Canal Treatment (RCT), tooth extractions, and crown restorations.

Nutrition and Diet Consultation

Get expert advice on maintaining a healthy balance between good nutrition and diet through video, audio, or chat consultations with renowned dieticians and nutritionists listed on the digital platform. This is a completely cashless service.

Fitness Benefit

Insured members can access fitness facilities at network gymnasiums with a total of 365 sessions available in a year. Only one session is allowed per day, helping you stay active and maintain a healthy lifestyle throughout the year.

Preventive Health Checkup

Insured members can get one free preventive health checkup every policy year. It includes important tests like Hemogram, Liver Function Test, Urine Test, Diabetic Profile, Lipid Profile, Kidney Function Test, Thyroid Test, and Bone Health Test. This checkup can be done cashless at selected hospitals or diagnostic centers mentioned in the policy.

Note: You can use the “Caringly Yours” app by Bajaj Allianz General Insurance to get these benefits easily.

What is Not Covered in the Bajaj Health Prime Rider Cover?

The expenses mentioned below are not covered under this health prime rider:

• Cosmetic Treatment
• Non-allopathic treatment
• Maternity Expenses
• Pre-existing diseases

Eligibility for Bajaj Health Prime Rider

You should qualify for the following criteria to buy the Bajaj Health Prime rider:

• Age: You should qualify age limit of the base policy to buy the Health Prime Rider.
• Policy Type: This rider can be added to both individual and family floater health insurance policies.
• Pre-existing Conditions: If you have any pre-existing health conditions, you may need to go through a medical check-up before getting this rider.
• Waiting Period: You can use the rider's benefits only after 30 days from the date you added it to your health policy.

Conclusion

The Bajaj Allianz Health Prime Rider is a valuable add-on that offers extra healthcare benefits beyond your basic health insurance. With coverage for OPD, doctor consultations, lab tests, wellness services, and more, it gives you complete support for day-to-day health needs. If you want better protection and convenience, this rider is a smart and affordable choice to consider. In case of any query, feel free to connect with our customer care executive.