Bajaj Allianz General Insurance – Compare Plans, Features, Benefits

Bajaj Allianz General Insurance Company Limited is a joint undertaking between Bajaj Finserv Limited and Allianz SE. The company has been a leader in the insurance market with world-class products, competent service and after-sales support. The company has been offering numerous types of insurance plans both in the Life Insurance category as well as in the General Insurance category. The journey of Bajaj Allianz started in the year 2001 and has it headquartered at Pune. 

1. Total assets of the company Rs. 17,237 crores for the financial year 2018-19
2. Bajaj Allianz had a Net Profit of Rs 780 Crores with a revenue of Rs 11097 Crores
3. The company had a massive growth in Rate of Net Worth by 15.63% 
4.  Bajaj Allianz has about more than 8000 employees which are recorded for the financial year 2018-19

Bajaj Allianz General Insurance Company Limited statistics

We are going to study the main general insurance products which are offered by Bajaj Allianz in detail in the below article which are namely:

• ► Motor Insurance Plans
• ► Health Insurance Plans
• ► Bike Insurance Plans

Bajaj Allianz Motor Insurance Plans

Motor or Vehicle Insurance is an insurance policy that financial protections of the vehicle against any physical damage and against bodily injury or death together with third-party liability. Motor Insurance provides peace of mind when one goes out on the road for driving. The main features and benefits of Motor Insurance are:

1. Availability of Instant online plans and renewal 
2. A huge network of cashless claims at more than 4000 network garages. In absence of network garages, one can choose any garage and can get the claim reimbursed
3. Transfer of the existing No Claim Bonus from any other general insurance company which is in between 20-50 %
4. Instant Claim Assistance through SMS updates
5. Hassle-free inspection 
6. Helpline service 1800 209 0144 / 1800 209 5858 with 24×7 for claims support and other help

There are 3 types of Motor Insurance which Bajaj Allianz offers and they are:

1. Bajaj Allianz Car Insurance or 4-Wheeler Insurance:

Bajaj Allianz has designed the 4-wheeler insurance keeping in mind the high maintaining and service cost of the car and the fact that if the car gets damaged due to an accident. Three coverages provided are

• Own Damage which includes an exhaustive list of incidents or circumstances as mentioned below
• Liability to Third Parties which is caused due to the bodily injury to and/ or damage of the property of the third parties because of an accident of the insured car
• Personal Accident Cover which covers the paying of the sum insured to the legal heir in case of any death of the owner-driver 

One can choose any additional coverage as well like loss of accessories, Personal Accident 

Coverage for the occupants, legal liability to the paid owner, etc.

2. Bajaj Allianz Third-Party /Liability or Only Motor Insurance: 

Bajaj Allianz will insure the insured in case of an accident which is caused by / rising due to the use of the vehicle against all sums which the insured is lawfully liable to pay for:

•  Any death of or bodily injury to any person which includes the occupants supported in the vehicle (subject to occupants are not for hire neither any reward) but except so far as it is essential to meet the terms and conditions of Motor Vehicles Act, the Company will not be liable where such death or injury arises out of and during course of the employment of such person by the insured
• Any damage to property other than property belonging to the insured 
• Bajaj Allianz will pay all charges and expenditures incurred with its written agreement
• The Company will indemnify any driver as well who is driving the vehicle upon the insured’s instruction or with insured’s go-ahead as per the terms and conditions of this Plan
• In case of any death of any individual who is eligible to cover under this policy, the Company will insure his or her personal representative as per the terms and conditions of the policy
• The Company may
• Arrange for illustration at an Enquiry or Fatal Inquiry in case of death 
• Undertake the defence of proceedings in any Court of Law under appropriate circumstances

List of Incidents or Circumstances

Bajaj Allianz will indemnify the insured against the loss or damage to the vehicle four-wheeler, two-wheeler as well as the commercial vehicle insured and /or its accessories by:

• Fire, explosion, self-ignition or lightning
• Earthquake
• Burglary, theft or housebreaking
• Riots and Strikes
• Flood Typhoon
• Any accidental means
• Malicious Act
• Terrorist Activity
• In-Transit by road, rail, water, life or air
• Landslide rockslide

3. Bajaj Allianz Commercial Vehicle Insurance:

A compulsory policy for all the vehicles which are owned by businesses. This policy shields the commercial vehicle owners from financial losses and legal liabilities that might arise due to the accident caused to a third party. Bajaj Allianz provides comprehensive coverage for commercial vehicles. The main coverage is any accidental death or bodily injuries produced to the third party by the policyholder who is at responsible for the damage or loss. Any damages done to any kind of third-party property are also covered. 

The main benefits are as follows:

• Coverage of Accident connected injury or death to other people
• Coverage of Accident linked the injury to the property which belongs to others

Liability Only Motor Insurance Policy by Bajaj Allianz:

A ‘Liability Only’ plan is the coverage of vehicles which are being used for commercial purposes only.

Scope of coverage 

The following cover is provided in the plan:

1. Third-Party Legal Liability which covers legal liability for any injury caused, death and/or any damage to the property of the third party arising out of the use of the insured commercial vehicle. Commercial Vehicles include goods carrying vehicles of both public and private carrier, passenger-carrying vehicles and miscellaneous and special types of vehicles
2. Personal Accident coverage for owner or driver in case of accidental death and permanent total disability

Eligibility Criteria for Bajaj Allianz Motor Insurance Plans

Type of Cover	Damage to the Vehicle	3rd Party Liability	Personal Accident Cover
Sum Insured	Depends on the Insured’s Declared Value	Depends on the Insured’s Declared Value	Depends on the Insured’s Declared Value
Policy Term	1year	1 year	I year
Premium Amount	Depends on the Insured’s Declared Value, type of vehicle	Depends on the Insured’s Declared Value, type of vehicle	Depends on the Insured’s Declared Value, type of vehicle
Renewability	Yes	Yes	Yes

Bajaj Allianz Health Insurance Plans

Health Insurance Plans are very significant in the modern age due to the rising cost of medical expenses and the treatment costs of various ailments. Moreover, the current lifestyle of individuals has made them more prone to illnesses and ailments which require medical attention. Medical costs are spiralling upwards and there is no or very less relative growth in the income of the ordinary man who eventually faces a financial crisis when faced with a medical emergency. Thus, it is prudent to insure oneself against any medical contingencies that may arise so that the financial aspect of the crisis is at least handled by the insurance company and the medical costs do not become a burden on the average middle-class man. Bajaj Allianz comes with various health insurance plans which keep in mind all these factors. Let us see the same in the below article.

List of Health Insurance plans offered by Bajaj Allianz

Bajaj Allianz offers both online and offline plans to customers with maximum coverage at least possible costs. Let us see a glimpse of Bajaj Allianz Health Insurance.

We will not have a look at all the health insurance plans offered by Bajaj Allianz. 

Online Health Plans

1. Bajaj Allianz Health-Guard Individual Policy
2. Bajaj Allianz Health-Guard Family Floater Option
3. Bajaj Allianz Extra Care Plan
4. Bajaj Allianz Premium Personal Guard Policy
5. Bajaj Allianz Critical Illness Plan
6. Bajaj Allianz Silver Health Plan

Offline Plans 

1. Bajaj Allianz Health Care Supreme Plan
2. Bajaj Allianz Hospital Cash Plan
3. Bajaj Allianz Star Package
4. Bajaj Allianz Health Ensure Plan
5. Bajaj Allianz Tax Gain Plan
6. Bajaj Allianz Personal Guard Plan
7. Bajaj Allianz Women-specific Critical Illness Insurance

Bajaj Allianz Online Health Insurance Plans

1. Bajaj Allianz Health-Guard Individual Policy: 

An individual health insurance plan covering the hospitalization expenses of the individual with the following features:

• Access to cashless hospitalization facility across 6500 empanelled hospitals
• Regular facilities include Pre and post hospitalization expenses covered for 60 and 90 days respectively, ambulance charges, in-patient hospitalization, 130-day care treatments, organ donor expenses, convalescence benefits, the sum assured restoration, etc
• 10% cumulative No Claim Bonus up to a maximum of 50%

Eligibility of Bajaj Allianz Health-Guard Individual Policy: 

Entry age	18 years to 65 years, Child- 3 months to 25 years
Sum assured	INR 1.5 lakhs to INR 50 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong

2. Bajaj Allianz Health-Guard Family Floater Option:

A Family health plan which can be taken for the coverage of the entire family covering self, spouse, children and dependent parents.

The features of the plan are as follows:

• 2 Plans available- Silver Plan and Gold Plan
• Regular facilities include Pre and post hospitalization expenses covered for 60 and 90 days respectively, ambulance charges, in-patient hospitalization, daycare treatments, organ donor expenses, convalescence benefits, the sum assured restoration, etc.
• Free medical check-up after 4 years of claim-free years
• Free medical check-up for the proposer and the family after a block of 4 claim-free years
• 10% cumulative No Claim Bonus up to a maximum of 50%

Eligibility of Bajaj Allianz Health-Guard Family Floater Option

Entry age	18 years to 65 years, Child- 3 months to 18 years
Sum assured	Silver Plan- INR 1.5 lakhs to INR 2 Lakhs Gold Plan- INR 3 lakhs to INR 50 Lakhs
Premium	Depends on the age and sum assured
Renewability	Lifelong
Policy Term	1 year, 2 years and 3 years

3. Bajaj Allianz Extra Care Health Plan: 

A Family top-up health plan which can be purchased to increase the coverage beyond the coverage provided in an existing health plan at low costs. The features are as follows:

• The plan provides for the extension of the coverage amount at lower premiums
• Medical expenses in case of hospitalization are covered
• Regular facilities include Pre and post hospitalization expenses covered for 60 and 90 days respectively, ambulance charges, in-patient hospitalization, daycare treatments, organ donor expenses, convalescence benefits, etc.
• No medical tests required till 55 years of age
• In the case of claims, the amount in excess of the deductible limit prescribed in the plan is paid for by the policy

Eligibility of Bajaj Allianz Extra Care Health Plan:

Entry age	18 years to 70 years. In the case of children, the age limit is 3 months to 5 years if both parents are covered or 6-18 years if either of the parents is covered with the company. Children aged 18-25 years can act as proposer or dependent.
Sum assured	Silver Plan- INR 10 lakhs to INR 50 Lakhs
Premium	Depends on the age, the sum assured chosen as per the family size
Renewability	Lifelong
Policy Term	1 year

4. Bajaj Allianz Premium Personal Guard Plan:

A policy that covers expenses arising out of any accident suffered by the proposer of his insured family. The features are as follows:

• The policy covers Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability and Death due to accident, transportation of mortal remains, children’s education bonus, hospital confined bonus, accidental hospitalization expenses
• The plan provides for Hospital confinement allowance and accidental hospitalization expense
• The company has a tie-up with over 6500 hospitals and 1200 diagnostic clinics all over India and also provides Value Added Services

Eligibility of Bajaj Allianz Premium Personal Guard Plan:

Entry age	18 years to 65 years. Child- 5 years to 18 years
Sum assured	INR 10 lakhs to INR 25 Lakhs
Premium	Depends on the age, the sum assured chosen
Renewability	Lifelong
Policy Term	1 year

5. Bajaj Allianz Critical Illness Health Plan:

A health plan exclusively crafted to provide cover against pre-determined critical illnesses where a lump sum amount is paid immediately if the proposer is diagnosed with the illness covered under the scope of the plan. The features of the plan are as follows:

• A lump sum amount is paid to the insured when he is diagnosed with a critical illness covered under the plan and he survives for at least 30 days post-diagnosis
• Donor expenses are also covered
• Benefit of portability
• Illnesses covered under the plan include cancer, coronary artery bypass surgery, kidney failure, first heart attack, major organ transplant, stroke, aorta graft surgery, primary pulmonary arterial hypertension, multiple sclerosis and permanent paralysis of the limbs

Eligibility of Bajaj Allianz Critical Illness Health Plan

Entry age	6 years to 65 years
Sum assured	INR 1 lakh to INR 50 Lakhs
Premium	Depends on the age, the sum assured chosen
Renewability	Lifelong
Policy Term	1 year

6. Bajaj Allianz Silver Health Plan: 

A specially designed health plan designed for senior citizens who frequently require medical attention. The features are as follows:

• Hospitalization expenses and 3% of the admissible pre and post hospitalization expenses are covered under the plan
• Emergency ambulance charges are covered
• Pre-existing illnesses covered from the 2nd year of the plan with 50% coverage 
• Cashless facility with quick disbursement of claims
• Cumulative bonus and family discount of 5%

Eligibility Bajaj Allianz Silver Health Plan

Entry age	46 years to 75 years with entry age at 70 years only
Sum assured	INR 50000 lakh to INR 5 Lakhs
Premium	Depends on the age, the sum assured chosen
Renewability	Lifelong
Policy Term	1 year

Bajaj Allianz Offline Health Insurance Plans:

1. Bajaj Allianz Health Care Supreme Plan:

A health plan with a family floater option which provides for exhaustive coverage. The features of the plan are as follows:

• No limit on the maximum entry age with lifetime renewal facility
• Hospitalization expenses are covered with no limit on room rent or other expenses
• Coverage of road and air ambulance expenses are covered with unlimited Day Care procedures are covered
• Sum Assured reinstatement features wherein 100% of the Sum Assured is reinstated in case the hospitalization coverage exhausts
• Maternity benefit, outpatient expenses, recovery benefit, physiotherapy expenses and organ donor expenses are covered
• No sub-limits on Ayurvedic or Homeopathic Hospitalization treatments
• Free annual preventive health check-ups on renewal
• Critical Illness, Hospital Daily Cash Allowance and Personal Accident cover is also provided
• 10% cumulative No Claim Bonus up to a maximum of 50%

Eligibility of Bajaj Allianz Health Care Supreme Plan

Entry age	18 years till lifetime
Sum assured	INR 5 lakhs to INR 50 Lakhs
Premium	Depends on the age, the sum assured chosen
Renewability	Lifelong
Policy Term	1 year

2. Bajaj Allianz Hospital Cash Plan:

A plan which provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements. The features of the plan are as follows:

• The coverage amounts per day range from Rs.500 to Rs.2500 as chosen by the proposer
• The coverage can be taken for 30 days or 60 days
• The plan covers self, spouse and dependent children

Eligibility of Bajaj Allianz Hospital Cash Plan

Entry age	18 years -65 years, Child- 3 months to 21 years
Sum assured	INR 500/ day, INR 1000/ day, INR 2000/ day, INR 2500/ day,
Premium	Depends on the age, the sum assured chosen
Renewability	Lifelong
Policy Term	year

3. Bajaj Allianz Star Package Plan: 

An exhaustive plan which covers all the aspects of a medical contingency and other contingencies. The features of the plan are as follows:

• The plan is issued as a family floater policy
• The plan provides for 8 sections of exhaustive coverage which includes:
• Health-Guard covering the family against serious accidents and illnesses 
• Hospital Cash providing daily cash in case of hospitalization
• Critical Illness which pays a lump sum amount in case of diagnosis of a Critical Illness
• Personal Accident covering accidental death and disability
• Education Grant providing a lump sum towards the education of the child in case of accidental death or permanent total disability of the insured
• Household Contents covering household objects against theft or robbery
• Travelling Baggage covering luggage while travelling
• Public Liability covering legal liability to a third party against bodily injury or death

Eligibility of Bajaj Allianz Star Package Plan

Entry age	18 years – 45 years, Child 3 months to 5 years
Sum assured	INR 1.5 lakhs to INR 50 Lakhs
Premium	Depends on the age, sum assured chosen and various Zones 1 & 2
Renewability	Lifelong
Policy Term	year

4. Bajaj Allianz Health Ensure Plan:

A plan covering medical costs during hospitalization due to accident or illnesses. The plan features are as follows:

• 2% admissible hospitalization expenses are paid towards pre and post hospitalization
• Cashless facility across 2400 network hospitals
• Emergency ambulance charges and 130-day care procedures are covered
• Availability of an in-house Health Administration Team
• Free medical check-up for the proposer and the family after a block of 4 claim-free years

Eligibility of Bajaj Allianz Health Ensure Plan

Entry age	3 months to 55 years
Sum assured	Individual- INR 50000, till INR 10 lakh Floater- INR 2 Lakhs till INR 5 Lakhs and INR 10 lakhs
Premium	Depends on the age, the sum assured chosen and various Zones 1 & 2
Renewability	Lifelong
Policy Term	year

5. Bajaj Allianz Tax Gain Plan: 

A plan covering hospitalization and outpatient expenses. Tax Gain Policy is a floater health policy that covers out-patient expenses (OPD) & hospitalization expenditures under a single plan. The features are as follows:

• Cashless facility across 6500 network hospitals
• Four plans are available in Plan A, Plan B, Plan C and Plan D
• Emergency ambulance charges and 130- daycare procedures are protected
• Free medical check-up for the proposer and the family post 4 claim-free years

Eligibility of Bajaj Allianz Tax Gain Plan

Entry age	Plan A, Plan B and Plan C -18 years to 55 years Plan D -56 years to 75 years for Senior Citizens
Sum assured	INR 1 Lakh, INR 2 Lakhs and INR 3 Lakhs
Premium	Depends on the age and plan have chosen
Renewability	Lifelong
Policy Term	1 year

6. Bajaj Allianz Personal Guard Plan: 

A personal accident plan covering death and disability arising out of accidents. The features are as follows:

• The plan provides for 125% of the Sum Assured in case of total permanent disability
• The policy covers Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability and Death due to accident, transportation of mortal remains, children’s education bonus, accidental hospitalization expenses
• 5% cumulative up to a maximum of 50% and a 10% family discount
• Hospital confinement allowance at Rs.1000 per day for a maximum of 30 days

Eligibility of Bajaj Allianz Personal Guard Plan

Entry age	18 years – 65 years, Child 5 years to 21 years
Sum assured	INR 10 Lakhs – INR 25 Lakhs
Premium	Depends on the age and plan as chosen
Renewability	Lifelong
Policy Term	1 year

7. Bajaj Allianz Women-specific Critical Illness Plan: 

A critical illness plan for women with the following features:

• The plan covers against 8 women-specific critical illnesses which include ovarian cancer, breast cancer, vaginal cancer, cervical cancer, uterine/endometrial cancer, burns, fallopian tube cancer and paralysis or multi-trauma.
• The plan also provides for a 50% Sum Assured benefit in case of congenital disability
• Children Education Bonus and Loss of Job coverage is also provided in the plan

Eligibility of Bajaj Allianz Women-specific Critical Illness Plan

Entry age	21 years – 65 years
Sum assured	INR 50000, INR 100000, INR 150000, and INR 200000
Premium	Depends on the age and sum insured
Renewability	Lifelong
Policy Term	year

Bajaj Allianz Bike and Two Wheeler Insurance Plans 

Bajaj Allianz two-wheeler insurance policies cover two-wheeler or bike against any physical damage, third party liability, injury, and theft. Two-Wheeler is susceptible to accidents and hence it becomes important to protect the same against any untoward incident. It provides an all-inclusive insurance policy that fully covers personal accident as well. Bajaj Allianz bike insurance policy claim settlement procedure is really quick and easy making Bajaj Allianz a right choice amongst the choices that are available. Let us see the benefits and coverage of Bajaj Allianz Two-Wheeler Insurance.

Three coverages provided are

1. Own Damage which includes an exhaustive list of incidents or circumstances as mentioned above under Motor Insurance
2. Liability to Third Parties which is caused due to the bodily injury to and/ or damage of the property of the third parties because of an accident of the two-wheeler
3. Personal Accident Cover which covers the paying of the sum insured to the legal heir in case of any death of the owner-driver 

One can choose any additional coverage as well like loss of accessories, Personal Accident coverage for the occupants, etc.

List of Bajaj Allianz Two-Wheeler Insurance Plans

1. Bajaj Allianz Third Party Liability Only Policy

Motor Vehicles Act directives that a third-party liability cover on the two-wheeler is compulsory. This two-wheeler insurance cover will protect only the third party of the vehicle that caused damages to the third party. Meaning of a third party would imply any other person harmed by the vehicle other than self; also, any other vehicle harmed other than self-owned vehicle and any other adjacent property which might have got damaged.

This plan is inexpensive since it does not cover self and own vehicle but any other damaged person or property. Insurance Regulatory and Development Authority (IRDA) agree upon the premium amount payable if purchases a third-party liability policy. Depending on the scope of the damage, the amount of the Insurance claim which one can avail of.

2. Bajaj Allianz Comprehensive Package Policy

Bajaj Allianz two wheeler insurance is the most widespread and common two wheeler insurance plan. This plan is a bundle policy which is a blend of the third-party liability-only coverage and also own-damage coverage. Own damage cover would mean that any damage which might cause any damage to the vehicle or any damage which the vehicle might face because of an accident, theft or other valid reasons.

The plan also comes with a personal accident policy which covers the driver or owner of the two-wheeler against any damage caused due to personal accident. The coverage for any other passenger who rides as a pillion or a co-passenger can be taken separately in lieu of additional premium. The premium payable under the third-party liability policy is decided by the IRDA as mentioned above and the premiums which are to be paid will be decided by the Bajaj Allianz who is issuing the policy.

The premium is dependent on the underwriting principles of the Bajaj Allianz two-wheeler insurance company. It depends on the Insured Declared Value (IDV) of the two-wheeler. Higher will be the premium if the Insured Declared Value (IDV) is also high. The premium under a comprehensive package policy is always higher than the corresponding premium paid for the third-party liability only policy for the same amount of the Insured Declared value because the earlier policy gives a dual benefit and coverage as compared to the later.

How to buy Bajaj Allianz General Insurance policies?

You can buy Bajaj Allianz General Insurance plans offlines as well as online. The plans are sold offline either by the insurance advisors or directly from the company. Thus, you need to do is visit the branch yourself and then purchase the same after consulting with the insurance agents or the sales managers of the company. 

However, there is an online mode of buying Bajaj Allianz General Insurance plans as well and that is through the company’s website. The company allows you to buy its policies online in a simple manner. 

The easiest way would be to buy the best health or motor insurance plan from Turtlemint. Turtlemint is an online platform wherein you would find a wide variety of motor and health insurance options to choose from. You can compare and choose the plan as per your coverage needs and affordability. The process of buying Bajaj Allianz General Health Insurance or Bajaj Allianz General Motor Insurance policies online through Turtlemint is as follows –

• Visit https://www.turtlemint.com/
• Then you need to choose health or car or bike, depending on your requirement
• To buy a health plan, you need to
• Enter in your details which would include the following 
• Gender
• Age
• Age of the members whom you want to cover
• Whether you have any pre-existing illnesses to declare
• The annual income level of the family for being recommended an ideal sum insured
• Area PIN Code so that you can check the networked hospitals
• Once the details are entered, you will be presented with a list of some of the best health insurance plans available in the market 
• You can compare and select the best health insurance plan
• After choosing the plan you would have to fill up an online application form
• The premiums would also have to be paid online 
• Once the premiums are paid and the form is submitted, you would be able to buy the plan easily
• To buy a car or bike insurance plan, you need to
• Enter the vehicle number or continue without mentioning the car number
• The details that you need to enter are:
• Make & model
• Manufacturing Year
• Fuel Type
• Variant
• Expiry Date
• Previous policy type
• Made any claims in the previous year
• NCB on previous policy
• Previous policy insurer
• Your contact details
• Once the details are entered, you will be presented with a list of some of the best motor insurance plans available in the market 
• You can compare and select the best car or bike insurance plan
• After choosing the plan you would have to fill up an online application form
• The premiums would also have to be paid online 
• Once the premiums are paid and the form is submitted, you would be able to buy the plan easily

The renewal process of Bajaj Allianz General Insurance Plans

Renewing Bajaj Allianz General Insurance plans is also an easy affair. You can renew the policy online through the company’s website using the following steps –

1. Visit the company’s home page and renew the same online
2. You will be redirected to a new page wherein you can provide your policy details. You can, then, pay the renewal premium and the policy would be renewed

Renewal of Bajaj Allianz General Health Insurance or Bajaj Allianz General Motor Insurance Policies can also be done online through Turtlemint. If you have bought the policy through Turtlemint you are an existing customer. You would have the login details with which you can log into your Turtlemint account. After you are logged in, choose the health or car or bike insurance plan which you would want to renew, click on ‘Renew’ and you would be able to check the policy details. If you want to renew without any changes, pay the renewal premium and the policy would be renewed.

Claim Process by Bajaj Allianz General Insurance 

General Insurance claim procedure by Bajaj Allianz system has been designed in a way so that it provides an absolutely easy and hassle-free claim. The claim can be registered online by going to the official site https://www.bajajallianz.com/general-insurance-claims.html together with uploading the essential documents. One can also dial the Toll-free number 1800 209 5858 for assistance OR email at bagichelp@bajajallianz.co.in.

1. Motor Insurance Claim by Bajaj Allianz

For online claim, one can click at https://general.bajajallianz.com/BagicNxt/MotClaims/index.jsp and do the needful. Else, one can call the Toll-Free Number as mentioned above. One has to provide the following:

• Contact number
• Engine and chassis number
• Date and time of the accident
• Description and location of the accident
• Vehicle inspection address
• Kilometre reading

Post registering, a Claim Reference number will be given by the customer support officer. Intimation will be given over phone through SMS service. For roadside assistance, 24×7 this helpline is applicable. 

Documents required for Motor Insurance Claims

• In case of Accidental Damages:
1. Appropriately filled the claim form and signed by the insured
2. Proof of insurance Policy or Cover note copy
3. Copy of the Registration Book and Tax Receipt
4. Copy of Motor Driving Licence of the person driving the vehicle at the time of the accident
5. Police Panchanama/FIR (In case of Third-Party property damage /Death / Body injury)
6. Estimate for repairs from the repairer where the vehicle needs to be repaired
7. Repair Bills and payment receipts post the repair job is completed
8. Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp
• In case of Theft:
1. Appropriately filled the claim form and signed by the insured
2. Policy document in original
3. Registration Book/Certificate and Tax Payment Receipt in original
4.  Policy No, insuring Office/Company, a period of insurance of earlier insurance details, if any
5. Police Panchanama/ FIR and Final Investigation Report
6. All the sets of keys/Service Booklet/Warranty Card
7. Form 28, 29 and 30 signed by the insured
8. Letter of Subrogation
9. Acknowledged copy of a letter addressed to RTO notifying theft and making vehicle “NON-USE”
10. Consent towards agreed claim settlement value from self and the Financer
11. NOC of the Financer if the claim is to be settled in the favour of the policyholder
12. Claim Discharge Voucher signed across with a Revenue Stamp
13. Blank and undated “Vakalatnama”

2. Health Insurance Claim by Bajaj Allianz

1. For Cashless Health Insurance Claim
• Select and contact Bajaj Allianz Network Hospitals for availing cashless facility
• The hospital will verify all the details and send the appropriately filled pre-authorization form to Bajaj Allianz in-house – Health Administration Team (HAT)
• The team will verify the details of the pre-authorization request together with the policy benefits and will notify the healthcare provider within 1 business day
• If the claim is approved, then no need to pay any and worry about the medical bill payment
• If not approved, the same will be notified and one has to file a claim for a reimbursement post-discharge
2. For Health Insurance Reimbursement Claim
• All bills and necessary documents related to hospitalization needs to be submitted in original to BAGIC HAT
• The team will carry out a customary verification of the essential documents
• Queries from Bajaj Allianz needs to be responded appropriately by the policyholder
• Within 7 business days, the claim will be settled if all are in order

Documents required for Health Insurance Claims

1. In case of Accidental Damages:
• Hospitalization Claim form properly filled and signed by the insured
• Discharge summary document in original
• Hospital bill with detailed cost break-up in original
• All Lab and test reports
• Copy of Invoice/Stickers/barcode in case of implants
• Original paid receipts
• A first-time consultation letter from the certified doctor
• KYC form
2. In the case of Hospitalization Death Claim:
• Claim form properly filled and signed by the insured
• Death summary in original
• Hospital bill with detailed cost break-up in original
• Original paid receipts
• Copy of Invoice/Stickers/barcode in case of implants
• A first-time consultation letter from the certified doctor
• All Lab and test reports
• KYC form
• Legal heir certificate covering affidavit and indemnity bond
• Entirely filled and signed NEFT form by Policy Holder/proposer
3. In the case of Personal Accident Claim:
• Original paid receipts
• Copy of Invoice/Stickers/barcode in case of implants
• All Lab and test reports
• A first-time consultation letter from the certified doctor
• KYC form
• Medical fitness certificate from the attending doctor mentioning the type of disability, disability period

How to buy General Insurance Policies of Bajaj Allianz Plans?

The Company offers various modes of payment which one can avail of. 

Listed below the same:

1. Online Payment
• Bajaj Allianz Official Website
• “Renewal Payment” via foreign remittance or transfer
• NEFT/ RTGS
• Instapay service
• Paytm, PhonePe and Airtel Money
2. Auto-Debit
• Direct debit
• NACH
• Standing Instruction in Credit card 
• Electronic Bill Payment and Presentment
3. Payment at Bajaj Allianz branch offices
4. Payment and request for a cheque pick up

Renewal process inBajaj Allianz

One can visit https://www.bajajallianz.com/general-insurance-renewal.html and can make the online payment for renewing the policy after filling up the necessary details as mentioned to proceed further.

Awards & Recognitions by Bajaj Allianz General Insurance

The company has been recognized by various awards, some of them are as below:

1. Bajaj Allianz has won the coveted Porter Prize award under the category of Creating Distinct Value 
2. Bajaj Allianz wins Innovation in Recruitment Award for Tal. Port initiative
3. Bajaj Allianz wins Best Customer Service Provider of the Year
4. Bajaj Allianz wins General Insurance Company of the Year award

 Bajaj Allianz General Insurance Company Address and Contact Information

The Company can be contacted in the following ways by contacting:

• Helpline number 1800-209-0144 or 1800-209-5858 email at bagichelp@bajajallianz.co.in
• By writing at the below address:

Bajaj Allianz General Insurance Company

Tollfree: 1800-209-0144 | 1800-209-5858

Email id: bagichelp@bajajallianz.co.in

• Registered Address: Bajaj Allianz House, Airport Road, Yerawada, Pune-41100