Care Health Insurance – Pollution Cover up to Rs. 2 lakh starting at Rs. 531
Product highlights
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits
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Coverage of up to Rs. 2 lakh starting at Rs. 531
Covers medical and hospitalisation expenses incurred for treatment of respiratory illnesses caused due to pollution starting at just Rs. 531.
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Pre- and post-hospitalisation coverage
Get coverage against the medical expenses incurred up to 30 days before hospitalisation and 60 days post-hospitalisation.
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Coverage for hospitalisation expenses
Get up to Rs. 2 lakh in coverage for hospitalisation expenses for pollution-related ailments. An appropriate specialist must validate the diagnosis.
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Coverage for conducting diagnostics test
This policy covers the cost of conducting diagnostics tests before (within the specified pre-hospitalisation period) or during the hospitalisation period.
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Coverage for doctor’s fees and medication
Get coverage for expenses incurred towards purchasing medicines related to hospitalisation, along with hospital room rent, ICU, transfusion, and doctor fees.
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Coverage for ambulance charges
Road ambulance service coverage of up to Rs. 2,000 while transporting the insured to the hospital.
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End-to-end online process
You can easily buy the policy online in just six simple steps with our paperless process.
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No documents are required to buy
When buying the Pollution Cover, you do not need to present any documents at the time of making the purchase.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy the Pollution Cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 - 65 years
Documents required
No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
- Name
- Address
- Email address
- Mobile number
Step-by-step guide to buy this policy
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Step 1
Click on the ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 4
If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.
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Step 5
At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards, and wallet.
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Step 6
After the payment is successful, you can download the policy receipt instantly.
Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.
Policy details
Here's a quick look at the policy details of Pollution Cover:
- Premium of Rs. 531
- Premium of Rs. 743
- Premium of Rs. 920
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 50,000 |
| Premium including GST (in Rs.) | 531 |
| Policy term | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 50,000 |
| Premium including GST (in Rs.) | 743 |
| Policy term | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 920 |
| Policy term | 1 year |
Key inclusions and exclusions
Here's a quick look at the inclusions and exclusions under Pollution Cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Coverage for hospitalisation expenses | Get coverage of up to Rs. 2 lakh for hospitalisation expenses for treatment of the respiratory ailment. Pre (30 days) and post (60 days) hospitalisation expenses |
| Diagnostic tests | Diagnostic test coverage during pre-hospitalisation or during hospitalisation period |
| Treatment charges | Covers treatment charges including for hospital room rent and ICU charges. Also, get coverage for transfusion, doctor’s fees (during and after hospitalisation), medicines, and tests |
| Ambulance expenses | Covers ambulance expenses up to Rs. 2,000 |
| Key exclusions | Description |
|---|---|
| Waiting period | Hospitalisation within the first 90 days from policy start date, as the policy has a waiting period of 90 days |
| Illnesses other than respiratory | Hospitalisation due to reasons other than respiratory illness |
| Pre-existing disease | Hospitalisation due to any pre-existing diseases |
Product information
For complete details on product benefits, features, terms, and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to claim
You can contact the insurer (Care Health Insurance) to claim the benefits of the Pollution Cover by email or phone:
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Insurer’s toll-free number
You can also call the toll-free helpline number - 1800-102-4488 and claim the benefits
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Documents required to claim
Collect and submit the following documents:
1. Policy document
2.Discharge summary
3.Complete billing details
4.Medical and investigation reports -
Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in
Frequently asked questions
You can buy the Pollution Cover through Bajaj Finance at a nominal premium starting at Rs. 531. The offers sum insured of up to Rs. 2 lakh. To claim the benefits of the cover, you can contact the insurer via either of the two mediums:
1. Email – claims@careinsurance.com
2. Toll-free helpline number - 1800-102-4488
The Pollution Cover is available in three variants at different premium rates. You can refer to the annual premium fee below:
1. Sum insured of up to Rs. 50,000 at Rs. 531
2. Sum insured of up to Rs. 1 lakh at Rs. 743
3. Sum insured of up to Rs. 2 lakh at Rs. 920
Given below are the key exclusions for Pollution Cover:
1. Hospitalisation due to reasons other than respiratory illness
2. Hospitalisation within the first 90 days from the policy start date, as the policy has a waiting period of 90 days.
3. Any pre-existing disease
The journey to buy the Pollution Cover through Bajaj Finance is 100% digital. The insured need not present any document at the time of purchasing the product. All you need to do is add your name, mobile number, residential address, email address, and residential PIN code.
