It is said that health is wealth. We try and practice an extremely healthy food lifestyle at our homes but when we are at the parties we don’t have any choice apart from eating the oily food and sugary sweets. Especially when it comes to a person like me who is a Food Blogger it’s a part and parcel of my life to eat such food all the time, and after relishing all the yummy meals, I feel too lazy and tired to go for a workout which is much needed to be fit and healthy. I believe one of the reasons of not working out is because I don’t see any such exciting activity that keeps me going to maintain a healthy lifestyle.

Bajaj Allianz finally launched the much awaited B-Fit application which is a Fitness App on the 23rd December 2016 at St. Regis, Mumbai. Bajaj Allianz’s B-Fit app is a perfect solution to all my problems. This app has features that motivate me to take an extra step to maintain my health and fitness. B-Fit application is my companion for health which has taken a pledge to take care of my real Wealth- Health.

B-Fit app is a mobile app focused on keeping you healthy and fit while rewarding with Vantage points for being healthy. You can set your goals of gaining, loosing or maintaining your weight. The app gives you daily challenges to complete. B-Fit automatically tracks all your activities and rewards you for achieving the target.

B-Fit helps you get healthier in the following ways –

A MONITOR DIARY that keeps track of your calorie intake at one place.

A FOOD GUIDE that tracks all your food habits and recommends food for a healthy lifestyle. Get options from a wide range of Indian food items with attached nutritional values.

  • A STEP TRACKER to count the steps you take and the calories you burn through them.
  • A HEALTH PROFILE with data entered by you and recommendations by experts based on them.
  • A PERSONALIZED HEALTH CONTENT containing curated articles and videos to guide you to a healthy lifestyle.

B-Fit provides some awesomely healthy and useful features like Gamified Challenges, Diagnostic Appointments, Heart Rate Monitor, Trainers, Discounts on Nutritionist, Health Vault, Doctor Consultations, Hobby Classes, etc .

On the same day, Bajaj Allianz also launched eTouch, a pure term and health cover plan at St. Regis, Mumbai. As life is full of “IFs”. Bajaj Allianz presented a complete term insurance protection plan built to safeguard you and your family from various uncertainties in life. Be prepared with Bajaj Allianz Life eTouch Online Term, a comprehensive pure term and health cover plan for you and your loved ones to be able to realize your dreams without any compromises, in case of an unforeseen event. Wait no longer… gift your family the perfect shield against the “IFs of LIFE” in just a few clicks, and “Jiyo Befikar”!!

ADVANTAGES OF THE eTOUCH PLAN-

Bajaj Allianz Life “eTouch Online Term” is a regular premium payment, pure term and health cover plan. The plan provides life cover combined with benefit on accidental death, accidental total permanent disability & critical illness and benefit of waiver of premium, depending on the variant opted by you. The key advantages of this plan.

  • Comprehensive protection to cover total disability, accidental death, critical illnesses and death
  • Flexibility to choose from four variant options to enhance your protection
  • Option for the nominee to receive the policy benefits in a lump sum amount or in monthly instalments
  • Lower premium for leading healthy lifestyle for non-tobacco users
  • Comprehensive premium rates
  • Inbuilt Waiver of premium benefits
  • Covers 34 critical illnesses
  • Maximum age at maturity 75 years.

WORKING OF THE PLAN-

Step 1: Choose your variant

  • a) Shield – Life Benefit plus WOP Benefit (on occurrence of ATPD)
  • b) Shield Plus – Life Benefit plus ATPD Benefit plus WOP Benefit (on occurrence of ATPD)
  • c) Shield Super – Life Benefit plus ADB plus ATPD Benefit plus WOP Benefit (on occurrence of ATPD)
  • d) Shield Supreme- Life Benefit plus ACI Benefit plus ATPD Benefit plus WOP Benefit (on occurrence of ATPD or CI)

The acronyms used stand for.

(i) ADB – Accidental Death Benefit

(ii) ATPD – Accidental Total Permanent Disability

(iii) ACI – Accelerated Critical Illness

(iv) CI –Critical Illness

(v) WOP – Waiver of Premium

The variant chosen at inception cannot be changed during the policy term. Life benefit refers to the Sum Assured under the plan that will be payable on death of the Life Assured. Accelerated Critical Illness means the benefit payable on diagnosis of any specified Critical Illness wherein such benefit if paid will be deducted from the Sum Assured on death.

Step 2: Choose your Sum Assured

Decide on the level of protection by choosing the sum assured you need to safeguard your family’s future. On choosing higher sum assured, you benefit from High Sum Assured Rebate (HSAR).

Step 3: Choose your Policy TermSelect the period for which you desire to get the benefits of life insurance protection.

Step 4: Choose your Premium Payment Frequency

Depending on your convenience decide the regular time interval at which you would prefer to pay the premium during the policy term. Your premium will be based on your current age, gender, sum assured, variant, policy term and premium payment frequency.

There are some amazing benefits available on these plans, which are mentioned below:

  • Shield – Life Benefit plus WOP Benefit (on occurrence of ATPD)
    • In case of ATPD of the life assured, all the future premiums under the policy will be waived, and the policy will continue
    • On death of the life assured, the Sum Assured on death will be paid and the policy will terminate
  • Shield Plus – Life Benefit plus ATPD Benefit plus WOP (on occurrence of ATPD)
    • In case of ATPD of the life assured,
      • an amount equal to the Sum Assured (subject to a maximum of ₹ 2 crores) will be paid as ATPD benefit
      • all the future premiums under the policy will be waived, and the policy will continue with life cover
    • On death of the life assured, the Sum Assured on death will be paid and the policy will terminate.
  • Shield Super – Life Benefit plus ADB plus ATPD Benefit plus WOP Benefit (on occurrence of ATPD)
    • In case of ATPD of the life assured, then,
      • an amount equal to the Sum Assured (subject to a maximum of ₹ 2 crores) will be paid as ATPD benefit
      • all the future premiums under the policy will be waived, and the policy will continue with all its remaining benefits
    • In case of death of the life assured due to accident, then,
      • Sum Assured on death plus
      • An amount equal to the Sum Assured (subject to a maximum of ₹ 2 crores) will be paid as ADB and the policy will terminate
    • On death of the life assured, if not resulting due to accident, the Sum Assured on death will be paid and the policy will terminate
  • Shield Supreme – Life Benefit plus ACI Benefit plus ATPDB plus WOP Benefit (on occurrence of ATPD or CI)
  • In case of diagnosis of CI, the benefit payable will be,
  • If the diagnosed CI requires Angioplasty, fixed ACI benefit of ₹ 5,00,000 will be paid. WOP is not applicable, if Angioplasty is conducted for CI. No further ACI benefit will be paid for any future occurrence of Angioplasty. But, the policy will continue for other benefits, including remaining amount of ACI benefit for the remaining CIs covered, subject to payment of all due premium.
  • If the CI is other than one requiring Angioplasty then,
  • If no prior ACI benefit has been paid for Angioplasty, then, ACI Benefit of 75% of Sum Assured, subject to maximum of ₹ 75,00,000, will be paid
  • If any prior ACI benefit for Angioplasty has been paid, then, the remaining ACI Benefit will be paid, which is 75% of Sum Assured (subject to maximum of ₹ 75,00,000) minus ₹ 5,00,000 (paid for Angioplasty)
  • All the future premiums under the policy will be waived once ACI Benefit is paid. The policy will continue with all its remaining benefits.
  • In case of ATPD of the life assured, then,
  • an amount equal to the sum assured (subject to a maximum of ₹ 2 crores) will be paid as ATPD benefit
  • all the future premiums under the policy will be waived, and the policy will continue with all its remaining benefits
  • On death of the life assured, the below benefit will be paid and the policy will terminate,
  • If ACI benefit has been paid earlier, then, Sum Assured on Death minus the amount of ACI benefit already paid will be payable.
  • If ACI benefit has not been paid earlier, then, Sum Assured on Death will be paid

In Shield Plus, Shield Super and Shield Supreme, for:

    • ATPD Benefit
      • ATPD benefit will not be payable if accident happens before the expiry of the policy term and disability happens within 90 days of date of accident but after expiry of policy term.
    • ADB
      • If ATPD happened first and after that death happened within 90 days of accident, in that case two separate benefit will be given first for ATPD and then for ADB.
      • ADB benefit will not be payable if accident happens before the expiry of the policy term and death happens within 90 days of date of accident but after expiry of policy term.

You can have a look at the other Benefits, Exclusions, Illustrations, Term Insurance FAQ’s and Disclaimers on their web link mentioned below-

 

So I am super excited and happy about using B-Fit app as it offers me fitness and buying Bajaj Allianz Life eTouch,  a pure term and health cover plan in the easiest and the most convenient way.

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