With a view to offer value added services to our customers, we have developed a co-branded insurance product called as "BarodaHealth" (Mediclaim Insurance Policy) for Bank's Account holders w.e.f. 23rd February 2006 available at all our branches across the country.
It is a Medical Insurance Scheme, available only to account holders of our Bank, which takes care of the hospitalization expenses incurred by the customer up to the amount of sum insured, in respect of the following eventualities.
The process is simple. Bank's customers can download the proposal form, fill up and submit along with the cheque for premium amount to our nearest branch. The cheque should be drawn in favour of National Insurance Co. Ltd. For any further details or assistance, please visit our nearest branch.
Insurance is the subject matter of solicitation. Bank of Baroda is the Certified Corporate Agent for National Insurance Co. Ltd. and nothing contained on the Website shall constitute or be deemed to constitute an advice, an offer to purchase or an invitation or solicitation to undertake any activity or enter into any transaction relating to the Gen. Insurance Products. Participation by Bank of Baroda customers shall be purely on voluntary basis. The contract of Insurance is between National Insurance Company Ltd. and the insured, and not between Bank of Baroda and the insured.
Benefits for pre existing diseases will be available only after the completion of 36 months of continuous coverage since issue of the first policy.
(Pre-existing diseases shall mean any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms and / or were diagnosed and / or received medical advice / treatment within 48 months prior to first policy.)
Last 30 days transactions are available
If you subscribe to easiest, all the facilities and benefits of easi are automatically available to you.
Hospital Claims will be settled by the TPA (Third Party Administrators). The details of the claim procedure for emergency / planned hospitalization and the contact phone nos. of TPA’s will be given in the TPA guidebook which the insured will receive directly. The guidebook provides all the details and procedure with regard to lodgment of insurance claim.
Insured person as well as his family is eligible either for the cashless treatment and / or reimbursement of claims. Cashless hospitalization service is available through the networked Hospitals / Nursing Homes and is subject to pre admission authorization. The TPA shall, upon getting the related medical information from the insured persons / network hospital, verify that the person is eligible to claim under the policy and after satisfying itself will issue a pre-authorization letter/ guarantee of payment letter to the Hospital / Nursing Home mentioning the sum guaranteed as payable, also the ailment for which the person is seeking to be admitted as a patient.
The TPA reserves the right to deny pre-authorization in case the insured person is unable to provide the relevant medical details as required by the TPA. The TPA will also inform to the insured person that denial of Cashless Access is in no way construed to be denial of treatment. The insured person may obtain the treatment as per his/her treating doctors advice and later on submit the full claim papers to the TPA for reimbursement.
In the event of any claim to be lodged under the policy, the customer should submit the claim papers as under be directly to the TPA “Third Party Administrators” in accordance with the guidelines incorporated in the guide book.
The customer should send all claim papers in Original
In case of any query raised by TPA, it may be responded immediately so that the claim may be settled within reasonable time.
The TPA may repudiate the claim, giving reasons, if not covered under the terms of the policy. The insured person shall have right of appeal to the insurance company if he/she feels that the claim is payable. The insurance company’s decision in this regard will be final and binding on TPA.