What is Pollution Insurance?
Pollution level has been on a steady rise globally, owing to the rapid urbanisation and industrialisation. This has given rise to various =illnesses, notably respiratory problems that occur due the increasing pollution issues. Treating these health issues means a big blow on your savings. However, with the right financial cover at hand, you can manage these easily. This is why we present to you, Care Health Insurance’s Pollution Cover, offering coverage of up to Rs. 2 lakhs at just Rs. 531/year.
Key Features of Pollution Insurance Policy
The following reasons make this plan a must have:
How to Apply for Pollution Cover?
Here are the steps that will help you apply for pollution insurance online:
That’s it! You will get the membership and policy details on your registered email Id.
What's Covered?
Here are all the inclusions under the Pollution insurance policy:
Hospitalisation expenditure
Get a sum insured up to Rs. 2 Lakhs, compensating for the hospitalisation cost. The plan also covers the expenses incurred during both pre-hospitalisation and post-hospitalisation periods for 30 days and 60 days, respectively.
Fees and charges of doctor
The plan offers covers for doctors' fees and charges both before and after hospitalisations. It also compensates for the subsequent consultation charges. Additionally, it bears the cost associated with the purchase of medicines.
Cost of diagnostics tests
The plan covers the expenses incurred for diagnostic tests done before or during the treatment for accurate detection of the ailment.
Plan Details and Specifications
Following are the Pollution Cover plan details.
Coverage limit
Pollution cover extends a maximum sum assured of Rs. 2 Lakhs and a minimum sum assured of Rs. 50,000.
Validity
One year.
Following are the premium that you have to bear on the stated sum insured
Sum Insured |
Premium (inclusive of taxes) |
Up to Rs. 50,000 |
Rs. 531 |
Up to Rs. 1 Lakh |
Rs. 743 |
| Up to Rs. 2 Lakhs | Rs. 920 |
*Note that the premium amount is inclusive of the GST.
What’s Not Covered?
Here are the exclusions of a Pollution Cover:
No Cover for Non-respiratory Ailments
The plan excludes financial compensation for any disease other than respiratory ailments.
Pre-existing Health Conditions
Pollution cover does not provide protection against pre-existing health conditions.
Waiting Period of 90-days
The Pollution Insurance does not offer cover for hospitalisation expenses within 90 days of the commencement of the plan.
How to Claim for Pollution Cover?
File your claim for Pollution insurance in following the ways:
Toll-free number
Contact the insurer on the toll-free number: 1800-102-4488.
Email
Send in your claims through email at claims@careinsurance.com. Do forget to mention the policy number and other details.
Bajaj MARKETS Customer Care Details
You can connect with us at Bajaj MARKETS. Just write to us at: insuranceconnect@bajajfinservmarkets.in
Pollution Insurance FAQ's
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✔️Will the plan cover pre-existing ailments?
No, under the plan, you will not receive monetary support for pre-existing conditions.
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✔️Can I purchase a Pollution Cover offline?
No, you cannot purchase this Pollution Cover offline; you can simply visit the Bajaj MARKETS website.
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✔️What is the renewal process of a Pollution Cover?
You cannot renew this Pollution Cover; you need to repurchase it.
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✔️What is the premium amount that you need to pay for Rs. 50,000?
You need to pay an affordable yearly fee of Rs. 531 for the coverage amount of Rs. 50000, helping you manage your budget effectively and dodge the monetary burden.
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✔️What are the documents that you need to claim for the insurance plan?
You need to keep the following documents in order to claim for the Pollution cover:
Discharge summary
UHID number
Duly signed claim form
Final hospital bill
