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ABHI Group Health Indemnity


Sum Insured : Rs. 1,00,000
Insurance Premium : Rs. 1,199

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In patient Treatment covered upto Rs 1,00,000 , it covers below under hospitalization

  • Doctors' fees

  • Diagnostics Tests

  • Domiciliary Hospitalization

  • Medicines and Nursing Charges

  • Intravenous fluids, blood transfusion and Injections

  • Cost of prosthetics and other devices or equipment if implanted internally during Surgical Operation

  • Operation theatre charges

  • Pre and Post hospitalization expenses covered upto Rs 100000.(Expenses up to 30 days immediately before hospitalization and up to 60 days immediately after hospitalization including doctor's consultation, diagnostics tests, medicines, drugs and consumables)

  • 527 Day Care Procedures

  • Organ Donor Expenses

  • Hospital Accommodation covered upto Rs. 2000 per day for normal room

  • ICU/ICCU Rs. 4000 per day

  • Ambulance cover- upto-1000

Initial Waiting Period: 30 days and Pre-existing waiting period – 48 Months

Co-Payment Amount: 20% co-payment per hospitalization for all ages (For the claim amount is Rs1 lac, then Insurer would pay up to Rs80,000 while the balance would be borne by customer)

Special illness Restriction -24 months (Sinusitis, Stone in Gall Bladder, Fibromyoma , Polyps of the female genito urinary system, Breast lumps, Menorrhagia, Gout , Spondylopathies, Skin Tumor , Surgery for cyst, tumour, nodule, polyp unless Malignant

Ailment wise capping

Disease Amount (Rs)
Appendectomy-Appendix 35,000
Hip Replacement (Bilateral) including cost of implants 1,00,000
Angioplasty including cost of implants and angiography 1,00,000
Hernioplasty/Herniorraphy- Unilateral including cost of mesh and tacker 35,000
Hydrocele 20,000
Haemorrhoidectomy including Cost of stapler /PTCA 20,000
Total Knee Replacement (Unilateral) including cost of implants 1,00,000
Cataract per eye including Cost of Lens 20,000
CABG 1,00,000
Cholecystectomy 30,000
Hip Replacement (Unilateral) including cost of implants 1,00,000
Arthroscopic Surgery ( Other Than ACL / Menisectomy) 50,000
Hernioplasty/Herniorraphy- Bilateral including Cost of mesh and tacker 35,000
PCNL- Bilatera- Stone removal 20,000
Total Knee Replacement(Bilateral) including cost of implants 1,00,000
Valve Replacement including cost of implants 1,00,000
Laparotomy 30,000
Renal Lithotomy 40,000
Tonsillectomy 25,000
Coronary Artery Diseases 1,00,000
Angiography 10,000
Renal calculi 30,000
Ureteric calculi 30,000
  • Addictive conditions and disorders

  • Artificial life maintenance

  • Ageing and puberty

  • Cosmetic Surgery

  • Dental/Oral treatment

  • Unproven / Experimental treatment

  • Unani, Yoga and Siddha treatment

  • Health hydros, nature cure, wellness clinics etc

  • HIV and AIDS

  • Hereditary conditions

  • Psychiatric and Psychosomatic Conditions, Obesity, OPD Treatment

  • Reproductive medicine - Birth control & Assisted reproduction

  • Self-inflicted injuries, Sexual disorder and gender issues

  • Sexually transmitted diseases, Sleep disorders, Speech disorders

  • Circumcision

  • Conflict and disaster

  • Drugs and dressings for OPD Treatment or take-home use

  • External Congenital Anomaly

  • Eyesight

    • Items of personal comfort and convenience, including but not limited to the items as mentioned in the policy wording

    • Treatment for developmental problems, Treatment received outside India, Unrecognized physician or Hospital, Unlawful Activity, Genetic disorders

    • Any expenses as mentioned under the list of Generally Excluded under Hospitalization Cover

        Disclaimer - The insurance coverage is provided by our partner Insurance Company Aditya Birla Health Insurance Company Limited. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.”