What is Paralysis Cover?

Paralysis is caused due to the loss of functioning of one or more muscles, and may occur due to an accident or may be congenital. In both ways, this condition leaves you with a sensory loss due to which you lose the ability to move the parts of your body where the muscles have stopped working. As complex as the condition is, so is managing the financial implication that follows its treatment. Since paralysis is categorised as a critical illness, it may not be covered under your regular health insurance plan. In such situations, the Group Care 360 – Paralysis Cover from Care Health Insurance Ltd. can help you tackle the burden of the expenses. With this cover, you can get coverage of up to ₹3 Lakh for in-patient hospitalisation expenses along with pre and post-hospitalisation costs that may arise due to paralysis.

Policy Plan and Details

Here’s a quick glance at the coverage, premium and validity of this insurance for paralysis:

Coverage

Premium (including GST)

Plan Validity

Up to ₹1 Lakh

₹271

1 Year

Up to ₹2 Lakh

₹531

Up to ₹3 Lakh

₹684

Key Features and Benefits of Paralysis Cover

  • Covers Hospitalisation Cost

    This plan covers hospitalisation expenses incurred for the treatment of paralysis. This also includes pre and post-hospitalisation expenses of up to 30 days and 60 days, respectively.

  • Comprehensive Coverage

    The plan also covers diagnostic tests, doctor’s fees, medication expenses, ambulance costs and treatment costs.

What is covered?

  • Hospital Costs

    The Paralysis Cover provides coverage for in-patient hospitalisation costs incurred for the treatment of paralysis provided that the diagnosis is supported by a certified doctor.

  • Diagnostic Tests

    The expenses for the diagnostic tests conducted within a given period or while admitted to the hospital will also be funded by the Paralysis Cover.

  • Doctors’ Fees

    With this insurance for paralysis, you can avail coverage for the doctor’s fees before, during and after hospitalisation.

  • Medication

    The Paralysis Cover also takes care of the cost of medicines related to hospitalisation.

  • Treatment Costs

    The charges for ICU beds, blood transfusion, hospital room rent, etc. are also covered under the cover.

  • Ambulance Expenses

    The Paralysis Insurance Cover provides coverage for ambulance expenses up to ₹2,000.

What is not covered?

  • Other Health Conditions

    You cannot file a claim under this plan if you are admitted to the hospital for reasons other than paralysis.

  • Claims During Waiting Period

    This policy has a waiting period of 90-days. Any claims made during this period will not be accepted.

  • Pre-Existing Conditions

    Any pre-existing illnesses will not be covered under this paralysis insurance cover.

  • Treatment for Rehabilitation

    Any rehabilitative treatment, supporting aids such as a wheelchair and crutches, or prosthesis are not covered in this plan.

How to Apply for Paralysis Cover?

You can apply for this paralysis insurance cover by following these three easy steps:

  • Click on Buy Now

    Visit the Paralysis Cover product page on Bajaj MARKETS and click on ‘Buy Now’.

  • Enter Your Details

    Fill in all your necessary details in the online application form.

  • Pay the Insurance Premium

    Use any online mode of payment to pay the premium for your Paralysis Cover.

That’s it! Your Paralysis Cover policy documents will be sent to your registered email ID.

How to File a Claim? 

To file a claim under the Paralysis Cover, you can go for any of the two methods:

Customer Care Details 

You can connect with Bajaj MARKETS at insuranceconnect@bajajfinservmarkets.in to get solutions for any queries related to the Paralysis Cover.

Paralysis Cover FAQs

  • ✔️Can I get any aid from the policy for any illness apart from paralysis?


    No, you will not receive any cover for any disease apart from paralysis.

     

  • ✔️For how long is the Paralysis Cover valid?


    The Paralysis Cover is valid for up to 1 year.

     

  • ✔️What is the maximum coverage offered by this plan?


    With this insurance for paralysis, you can benefit from a maximum coverage of ₹3 lakh.

     

  • ✔️Will I get any coverage for a prosthesis?


    No, the Paralysis Cover does not provide coverage for a prosthesis.

     

  • ✔️What is the cost of the Paralysis Insurance Cover?

    The Paralysis Cover is offered at a nominal premium ranging from ₹271 to ₹684 based on the coverage amount.