Accidental Cover with Child Care

What is Accidental Cover with Child Care?

Accidents and deaths of a family member can be extremely disheartening and mentally taxing. It gets even more difficult if the affected person is the earning member. The family suffers financially, and it impacts their well-being. Bajaj Markets cares about you and therefore, brings to you the Accidental Cover with Child Care from Bajaj Allianz Insurance Co. Ltd. This insurance policy provides coverage against several accidents, their impacts, and child-care, covering up to Rs. 2 Lakh at a premium of Rs. 693/year including GST. Read on to know more about the plan and make a wise choice about your and your family’s future.

 

Voila! You’ll receive your membership details and welcome package on your registered e-mail ID.

Eligibility Criteria

To opt for the Accidental Cover with Child Care, you need to meet the basic eligibility parameters listed below:

 

• You must be a Resident of India

Policy Plan Details & Specifications

Following are the pointers that specify the Accidental Coverage with Child Care plan details:

What’s not Covered under Accidental Cover with Child Care

Let’s also understand some of the exclusions of the Accidental Cover with Child Care:

 

1. If the policyholder is involved in alcoholism, substance or drug abuse, or any addictive condition, this coverage does not cover the consequences.

2. Self-injury, suicide or attempted suicide, or self-inflicted injury.

3. Criminal or unlawful act, whether it is deliberate or unintentional.

4. Involvement in any kind of felony, misdemeanour, civil commotion, or crime, whether actual or attempted.

5. If the policyholder is a driver, co-driver, passenger on a motorbike in trial runs or motor racing.

6. Treatment related to injury caused due to participation in adventurous or hazardous sports. Such sports can include rock climbing, para-jumping, motor racing, scuba diving, horse racing, etc.

7. Curative treatments or interventions are not covered.

8. Treatment for injury due to air force, military, naval or police operations, whether in peace or at a war, are not covered.

9. Learning or operating aircraft or serving as a member of the crew and suffers an injury.

10. If the policyholder engages in ballooning or aviation, mounting into, dismounting from or traveling in any balloon other than as a passenger in any duly licensed standard aircraft anywhere in the world, the treatment expenses are not covered.

11. Pre-existing injuries or complications are not covered.

12. If there is a consequential loss of legal liability, the policyholder will not be covered under this insurance policy.

13. If there is any kind of complication arising due to pregnancy, abortion or miscarriage, the policyholder will not be able to reap the benefits of this cover.

14. The toxic, radioactive, explosive or other dangerous properties of any nuclear equipment.

15. Any injury while working in underground mines or explosive magazines.

There are specific exclusions which are applicable to the section ‘Accidental Hospitalisation Expenses

1. If the treatment has been taken under someone who is not registered as a medical practitioner under respective medical councils.

2. Any kind of dental injury or surgery, unless it is as a result of accidental bodily injury to the natural teeth, which requires hospitalisation.

3. Expenses for any kind of cosmetic or plastic surgery.

4. If the treatment has been taken outside of India, it is not covered under this insurance plan.

5. Any kind of vaccination and inoculation, provided it does not form a part of treatment for injury because of an accident, as prescribed by a medical practitioner.

6. Expenses of the treatment for a pre-existing disability from a previous accident that occurred before the purchase of this insurance policy.

7. Treatments, procedures or supplies which do not have enough medical documentations from licensed medical practitioners to prove their effectiveness.

8. If the medical advice or treatment is received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter.

How to Make a Claim

You can make a claim in the following ways:

• Call

Call on the toll-free number 1800-209-1021 and make your claim.

• Email

You may also email the team at customercare@bajajallianz.co.in by mentioning the policy number and other details.

Customer Care Details

Write to us at: insuranceconnect@bajajfinservmarkets.in