Buy a Smoker's Care Cover plan at a premium rate starting from just ₹1,999.

What is the Smokers Care Cover?

About 10.38% of the Indian population indulge in daily smoking. Regular smokers often suffer from issues such as breathing difficulties, high blood pressure, premature ageing of the body, etc. Major illnesses such as lung cancer, mouth cancer and throat cancer could also befall people who smoke. 

 

Such health problems call for urgent medical attention, giving rise to the expenses of X-rays, scans, blood tests, doctor’s consultations and potential hospitalisation. To safeguard your finances from such hefty expenses, Bajaj Markets offers you the Smokers Care Cover from Bajaj Finserv Health Ltd. at a premium rate starting at ₹1,999. 

 

Key Features of the Smokers Care Plan 

 

Generous Discounts

The Smokers Care Plan offers discounts on consultations, pathological tests, room rent, etc., at Prime Network hospitals, laboratories and other medical institutions. The policyholder can get a 5% to 10% discount on various medical requirements. 

 

Free IPD Ambulance

The policyholder can use a free road-ambulance benefit should they require emergency medical attention. This benefit is part of the Bajaj Finserv Health Prime Network discounts, which means that a free ambulance can be requested to and from a hospital or medical institution which identifies as a Prime Network partner. 

 

8 Test Coverage

The Smokers Care Plan offers up to 8 free lab tests under the Lab Test Package. This package can be utilised at any prime-partner institutions, hospitals or labs.

 

How to Apply for Smoker's Care Cover

Given below are the three easy steps to apply for the Smokers Care Cover.

  • Click on Buy Now

    Visit the Smoker's Care page on Bajaj Markets website and click on ‘Buy Now’.

  • Fill Your Details

    Enter all the required details in the online application form.

  • Pay the Premium

    To complete your buying process, you will need to pay the premium using any mode of online payment as per your preference.

What's Covered

 

The following coverage is provided by the Smokers Care Plan.

 

  • Prime Network Discounts

This benefit provides discounts for healthcare needs such as room rent, ambulance services, OPD consultation, lab and radiology services, health plans/packages, etc. The Bajaj Finserv Health Prime Network can offer a policyholder up to a 10% discount on medical services. 

 

  • Laboratory Testing Package

The lab testing package provides a lab set that consists of up to 8 pathology tests that can detect damages caused to the body due to smoking. This can help rectify the situation greatly since an early identification can make room for starting the required treatments. 

 

  • Tele-Consultations Benefit

Through the Smokers Care Plan, the policyholder can utilise up to ₹1,500 for teleconsultations with a doctor of their choice. They have the liberty to fit as many teleconsultations within the maximum benefit amount.

 

Policy Plan Details & Specifications



Find the lab test, doctor’s teleconsultation and Prime Network discount specifications of the Smokers Care Plan.



Smokers Care at a premium rate of ₹1,999, the Essential Package.

 

Packages and Benefits

Coverage

Lab Test Package (can be used once)

  • Lipid Profile
  • Liver Function Test
  • Vitamin B12
  • Blood Glucose
  • Kidney Function Test
  • Haemogram
  • Chest X-Ray

Tele-Consultation (Doctor of Choice)

Up to ₹1,000

Network Discounts under Prime Network

  • Free ambulance for IPD Admission.
  • 10% discount on Dental Procedures.
  • 10% discount on pharmacy expenses.
  • 10% discount on Lab and Radiology tests.
  • 10% on OPD Consultations.
  • 10% discount on Health Plans and Packages.
  • 10% discount on Spectacles.
  • 5% discount on Room Rent.

 

Smokers Care at a premium rate of ₹2,799, the Classic Package.

 

Packages and Benefits

Coverage

Lab Test Package (can be used once)

  • Lipid Profile
  • Liver Function Test
  • Vitamin B12
  • Pulmonary Function Test
  • Blood Glucose
  • Kidney Function Test
  • Haemogram
  • Chest X-Ray

Tele-Consultation (Doctor of Choice)

Up to ₹1,500

Network Discounts under Prime Network

  • Free ambulance for IPD Admission.
  • 10% discount on Dental Procedures.
  • 10% discount on pharmacy expenses.
  • 10% discount on Lab and Radiology tests.
  • 10% on OPD Consultations.
  • 10% discount on Health Plans and Packages.
  • 10% discount on Spectacles.
  • 5% discount on Room Rent.

What’s Not Covered?

 

Following are the exclusions that explain that which are not covered by the Smokers Care Plan.

 

Tele-Consultations

This benefit, if unused by the end of the policy year, cannot be carried forward or transferred. These consultations are limited to video/audio calls or chat through the Bajaj Finserv Health App or the website. Physical consultations are not covered by this benefit.

 

This benefit is irredeemable against cash.

Lab Test Package

Towards the end of the policy year, this benefit cannot be carried forward or transferred to any other individual. Since this is a Bajaj Finserv Health Prime Network package, it cannot be utilised in organisations outside this network circle. Additionally, it must be utilised in one instance by one single person. Certain partner hospitals and laboratories do not provide home collection services for samples; hence, the policyholder might have to personally submit requested samples. 

 

This benefit is irredeemable against cash.

 

Prime Network Discount

The Bajaj Finserv Health Prime Network discounts cannot be attached to other benefits. They cannot be used in institutions outside the prime network.

 

*For a detailed list of exclusions, terms and conditions, please refer to the policy document.


How to Make a Claim

 

You can follow the steps given below to claim the tele-consultation, laboratory and radiology coverage.

 

Bajaj Finserv Health App

  • Sign up with your registered phone number on the Bajaj Finserv Health App.

  • You can select your policy of choice under “Health Plans” and select ‘Doctor Consultation’ or ’Lab & Radiology Benefit’ according to your preference. 

  • Fill out all fields asking for your details along with uploading the invoice.

  • Upload a cancelled cheque along with your bank account details.

  • Once you submit the claim, the amount will be reimbursed within 48 working hours.

 

Bajaj Finserv Health Website

  • Sign up using your registered phone number on the Bajaj Finserv Health Website.

  • Select your plan under ‘Health Plans’ and choose between ‘Doctor Consultation’ and ‘Lab & radiology Benefit’.

  • Upload your invoice along with the required information.

  • Upload a cancelled cheque along with bank details.

  • After submitting your claim, the amount will be reimbursed within 48 working hours.

 

Customer Service Email 

  • Attach the scanned copy of your invoice in an email to customercare@bajajfinservhealth.in.

  • In the body of your email, list out the hospital or laboratory name, patient name, bill amount, etc. 

  • Attach a cancelled cheque along with your account number, bank name, primary account holder’s name, IFSC code, etc.

  • Your claim amount will be reimbursed in the following 48 working hours. 

 

Here’s how you can claim teleconsultation coverage through the following portals.

 

Bajaj Finserv Health App

  • Sign up with your registered phone number on the Bajaj Finserv Health App.

  • You can select your policy of choice under “Health Plans” and select ‘Teleconsultation Benefit’. 

  • Select a doctor of your choice from the dropdown and select your preferred date and time.

  • Once you submit your claim, you will be given a link to join the consultation call.

  • You will have 15 minutes to join the call before the doctor does at the scheduled time.

 

Bajaj Finserv Health Website

  • Sign up with your registered phone number on bajajfinservhealth.in.

  • You can select your policy of choice under “Health Plans” and select ‘Teleconsultation Benefit’. 

  • Select a doctor of your choice and your preferred date and time.

  • Once you submit your claim, you will be given a link to join the consultation call.

  • You will have 15 minutes to join the call before the doctor does at the scheduled time.

 

To claim a lab test package under the Bajaj Finserv Health Prime Network, follow the steps given below.

 

Bajaj Finserv Health App

  • Sign up with your registered phone number on the Bajaj Finserv Health App.

  • You can select your policy of choice under “Health Plans” and select ‘Lab Test Package Benefit’ according to your preference. 

  • Select the hospital or lab of your choice before entering the redemption date.

  • A voucher link and code will be sent to you via SMS on your registered phone number for cashless testing.

 

Bajaj Finserv Health Website

  • Sign up using your registered phone number on bajajfinservhealth.in.

  • Select your plan under ‘Health Plans’ and click on ‘Lab Test Package Benefit’.

  • Select the hospital or lab of your choice before entering the redemption date.

  • A voucher link and code will be sent to you via SMS on your registered phone number for cashless testing.

 

Customer Service Email 

  • Write an email to customercare@bajajfinservhealth.in consisting of details such as hospital or laboratory name, customer name, contact details and date.

  • Following this, you will receive a confirmation call on which you must submit an OTP you will receive.

  • Once the confirmation is successful, you will receive an SMS with the voucher code and link, which you can use to claim coverage for lab tests.

 

Here’s how the Prime Network discounts work.

 

  • At a Bajaj Finserv Health Prime Network hospital, you can give your registered phone number for the billing process.

  • You will receive an OTP, which you can share with the billing executive to utilise a 5%-10% discount.

 

Customer Care Details

To contact Bajaj Markets  for any questions or queries, you can write to insuranceconnect@bajajfinservmarkets.in

 

FAQs on Smokers Care Cover Plan

  • ✔️How can this policy help me save money on lab tests?

    The lab test benefit can help the policyholder save thousands of rupees. It covers up to 8 various tests that contribute to the diagnosis and detection of the various damages caused due to regular smoking. These tests can each be utilised once and in one single instance, and none of the testing expenses befalls the policyholder. Here, the insured can save a fortune since such expenses are heavy to bear.

  • ✔️Can I do the tele-consultations through my personal contact number?

    Teleconsultations are solely accessible through the Bajaj Finserv Health app or website. Upon claiming the benefit, the policyholder will be given a link to join a meeting with their doctor of choice. This link will be provided 15 minutes prior to the decided consultation time and date. Hence, the policyholder cannot access tele-consultations through personal contact numbers or personal social media.

  • ✔️What if I exceed the maximum tele-consultation benefit amount?

    Should the policyholder exceed the maximum limit of the tele-consultation benefit, the difference amount above the maximum benefit amount will be incurred by the policyholder. This policy will only cover OPD consultations within the limits of ₹1,999 (Essential Package) or ₹2,799 (Classic Package).