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About Bajaj Allianz Health Insurance

Bajaj Allianz General Insurance Company Limited is one of the leading and the most financially robust general insurance companies in India. Established in the year 2001, the company is a joint venture between Bajaj Finserv Limited, India’s most diversified non-banking financial company and Allianz SE, a leading worldwide financial service provider. Bajaj Finserv Limited holds a 74% stake in the company while the remaining 26% is held by Allianz, SE. ICRA Limited, a well-known credit rating agency has consistently given iAAA (highest rating) rating to the company from 2005-06 to till now. The company has a country-wide presence in over 800 towns and cities. With diversified and innovative product portfolio, Bajaj Allianz has all types of products to cater to the needs of various customer segments.

The company has also been forthcoming in helping its policyholders deal with the pandemic. Over the past few months, the company has offered quicker claim settlements, covered daycare procedures, AYUSH treatments and ambulance charges. The health plans by Bajaj Allianz also cover comorbid conditions as well as home care treatments. With its latest Health CDC, Claim by Direct Settlement, Bajaj Allianz allows you to instantly settle a claim up to INR 20,000 by using the company mobile app-Caringly Yours

The company has received various awards and recognitions consistently for its contribution to the general insurance industry. Some of the main awards received are as follows

  1. The company has received ‘’Best Customer Service Provider of the Year’’ and ‘’The General Insurance Company of the Year’’ awards
  2. The company has won the prestigious Asia Insurance Technology Award 2019 for operational excellence
  3. The company was awarded as ‘’Marketer of the Year’’ award at The Insurance India Summit & Awards 2019
  4. The company was awarded as ‘’Best Motor Insurance Provider of the Year’’ by Money Today Award, 2019
  5. The company was awarded as ‘’India’s Leading General Insurance Company 2019-Private’’ by Dun & Bradstreet
  6. The company was awarded as ‘’ Most Trusted Global Brand’’ award by Herald Global & BARC Asia
  7. The company was awarded as ‘’Digital Insurer of the Year 2018 ‘’ at Asia Insurance Industry Awards
  8. The company was awarded as ‘’Non-Life Insurer of the Year’’ award at Outlook Money Awards 2017
  9. The company’s operational risk management process is ISO 9001:2015 certified, which means the company can exceed customer expectations by proactively managing risk
  10. The company has more than 97 approved non-life insurance products, of which 27 are health insurance products to cater to the varying needs of people
  11. The company is tied up with 6500+ network garages and 6000+ network hospitals, which makes insurance easily accessible

Bajaj Allianz Claim Settlement Ratio


Bajaj Allianz


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Bajaj Allianz has a claim settlement ratio of 98.48%, as compared to the industry average of 94.21%.

Bajaj Allianz Health Insurance Plans

Bajaj Allianz health insurance offers 20 health insurance plans. The premium of these plans starts from Rs. 160/yr. The sum insured ranges from Rs. 500 - 25 Cr. Details of the comprehensive coverage provided by the following 20 Bajaj Allianz health insurance plans are listed below:

Bajaj Allianz Arogya Sanjeevani Health Insurance Policy

Starting Premium- ₹ 2,400/yr

In the case of hospitalisation, the Bajaj Allianz Arogya Sanjeevani plan offers you financial protection so that you need not exhaust your hard-earned savings. A standard health insurance plan it offers extensive coverage and covers room rent, ICU as well as ICCU charges, modern treatments as well as daycare procedures.

Features of Bajaj Allianz Arogya Sanjeevani Health Insurance Policy

  1. Un in-patient hospitalisation, the plan covers you for:
    • Room rent, nursing and boarding
    • ICU and ICCU
    • Road ambulance cover
    • Specified methods of modern treatments
    • All daycare procedures
    • Cataract treatments
  2. An indicative list of medical procedures is given below that can be taken in-patient or a daycare treatment:
    • Uterine Artery Embolization and High Intensity focused ultrasound
    • Deep Brain Sinuplasty
    • Oral Chemotherapy
    • Balloon Sinuplasty
    • Robotic Surgeries
    • Stereotactic surgeries
    • Stem cell therapy
  3. Sub-Limits under the Sum Insured are as follows:
    • Daily Room rent (Normal) – 2% of Sum Insured up to INR 5,000
    • Daily ICU/ICCU Charges – 5% of Sum Insured up to INR 10,000
    • Cataract Surgery – 25% of Sum Insured or INR 40,000, whichever is lower
    • Road ambulance up to INR 2,000 per hospitalisation
    • Specified Modern treatments – 50% of Sum Insured
  4. In-patient medical expenses for AYUSH treatments are covered
  5. You have the option to pay the premium either in full or on a half-yearly, quarterly, monthly basis
  6. You can cover yourself, your spouse, dependent children, parents and parents-in-law
  7. Your cumulative bonus increases by 5% every claim-free year
  8. No pre-policy medical screening is required for people under 45 years of age, provided the proposer has no medical conditions
  9. Arogya Sanjeevani by Bajaj Allianz allows pre and post-hospitalisation for a period of 30 and 60 days respectively
  10. The premium can be paid on a monthly or quarterly or half-yearly or yearly basis
  11. There is a 5% mandatory cost-sharing on all claims
  12. Cataract Treatment up to 25% of the sum insured is covered
  13. The plan offers a family discount of 10% and an online discount of 5%
  14. You can avail of the following discounts
    • Family discounts:10% discount when 2 family members are covered 15% if more than 2 family members are covered
    • Online discount : 5% discount when the policy is purchased online

Eligible Age

91 days - 65 years

PED Waiting Period

4 years


1 Lakh - 25 Lakh


5% increase in cover

Bajaj Allianz Corona Kavach Policy

Starting Premium- ₹ 887/yr

Under the guidelines of the IRDAI, health insurance companies are offering health plans that offer financial help to people in dealing with the pandemic. Bajaj Allianz Corona Kavach Policy is a standard health insurance policy offered under Bajaj covid insurance. This policy is a covid-specific health insurance plan that covers the expenses that you may have to incur if you are hospitalised due to Covid-19. Being a standard health plan, the terms and conditions of this plan are alike across health insurance companies.

Features of Bajaj Allianz Corona Kavach Policy

  1. Corona Kavach Policy indemnifies medical expenses incurred due to hospitalisation for a period of 24 hours or more
  2. Under covid-hospitalisation expenses, room rent charges are covered, along with PPE kits and gloves, oxygen, ventilators and doctor’s fee
  3. Home care treatment advised by a medical practitioner is covered up to 14 days. Instead of a hospital,you can seek COVID-treatment at home when your diagnostic report is from a government authorised centre
  4. Corona Kavach policy also covers comorbidities along with Covid
  5. Transport of insured in an ambulance up to INR 2,000, only in relation to Covid hospitalisation, is covered
  6. Apart from yourself, you can cover your spouse, parents, parents-in-law, your children who are between the age group of 1 day to 25 years
  7. As an optional add-on cover, you can opt for Hospital cash
  8. In-patient AYUSH treatment care
  9. The plan would indemnify pre and post-covid-related hospitalisation for a period of 15 and 30 days respectively
  10. The plan comes with nominal sub-limits
  11. You have multiple sum insured options to choose from INR 50,000 to INR 5 lakhs in multiples of 50,000

Eligible Age

1 day - 65 years

PED Waiting Period



50,000 - 5 Lakh



Bajaj Allianz Criti Care Insurance Policy

Starting Premium- ₹ 250/yr

A critical illness in the family can cause not only emotional havoc but also a financial crisis. To deal with such a misfortune, Criti Care Insurance Policy has been launched by Bajaj Allianz critical illness insurance. Under this fixed benefit health plan 43 diseases are covered. This plan guards you against life-threatening diseases and offers coverage against a range of critical illnesses, some of them are:

Cancer,Kidney failure,Cardiovascular diseases,Stroke and Brain injury,Transplantation of Major Organs Available on an individual basis,you can buy the policy for your family too.Each member would have their own separate sum insured.There is a wide range of sum insured options from which you can choose the one that you like.

Features of Bajaj Allianz Criti Care Insurance Policy

  1. With comprehensive coverage, the plans cover 43 critical illnesses
  2. Irrespective of the treatment cost, you receive a lump sum payout
  3. It is a very flexible plan. Apart from being a multi-year policy you also have the freedom to pay the premium in installments
  4. The plan comes with 5 plan options:
    • Cancer Care
    • Cardiovascular care
    • Kidney Care
    • Neuro Care
    • Transplant Care and Sensory Organs Care
  5. The plan offers multiple discounts:
    • Online discount of 5% when you buy the policy online
    • When you buy the policy for 2 years you can avail of a discount of 4%, and with a 3-year policy you can avail of an 8% discount
    • Wellness discount can be redeemed once a year if you maintain a healthy lifestyle

Eligible Age

18 years - 65 years

PED Waiting Period

4 years


1 Lakh - 50 Lakh



Top Features From Bajaj Allianz Health Plans

Bajaj Allianz Health Insurance plans come with many amazing benefits.Following are the key benefits offered by the Bajaj Allianz Health Insurance plans.

  1. Comprehensive protection:Health insurance plans offered by Bajaj Allianz provides compete for protection to an individual and his/her family by covering all the major healthcare expenses and services
  2. Customisation:Bajaj Allianz health insurance plans come with many customisable features that can be added to the base plan depending on the need. There are many additional coverage options provided
  3. Affordability:Bajaj Allianz health insurance plans are known for providing extensive coverage at a reasonable cost of the premium
  4. Convenient:Bajaj Allianz health insurance plans are offered on the online platform which can be easily and conveniently bought
  5. Easily accessible:With nation-wide and strong digital presence, Bajaj Health insurance plans are easily accessible. Benefits are also easily accessible with 6000+ network hospitals across the country to avail cashless facility
  6. Easy claim process:Bajaj Allianz health insurance claim process is easy and quick with tie-ups with 6000+ hospitals across the country
  7. Tax benefits:Tax benefits can be availed on the premiums paid for Bajaj Allianz health plans under Section 80D of the Income Tax Act, 1961

Exclusions Across Bajaj Allianz Health Plans

  • War:Our health policies do not cover you for any claims raised for the treatment expenses resulting due to war
  • Dental treatment:Our insurance policies do not cover you for dental treatment unless it is necessitated by an acute traumatic injury or cancer
  • External appliances/devices:The cost of spectacles, contact lenses, hearing aids, crutches, artificial limbs, dentures, artificial teeth etc., are also excluded from the coverage provided by health insurance plans
  • Intentional self-injury: Taking care of you is our topmost priority and we do not want to see you hurt, specially by self-inflicting injury.Thus, our policies do not offer coverage for intentional self-injury
  • Plastic surgery:Any kind of cosmetic surgery, unless necessary for the treatment of cancer, burns, or accidental Bodily Injury, is excluded from the coverage of our health insurance policies
  • Treatment outside India:Our insurance policies do not cover any treatment that you receive outside India.

Bajaj Allianz Premium Calculator

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Bajaj Allianz Customer Care

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Bajaj Allianz Claim Process

Bajaj Allianz supports both cashless claims and reimbursement claims. This section covers the information on how to check Bajaj Allianz health insurance claim status, fill Bajaj Allianz health insurance claim form, and the claim settlement process.

Cashless health insurance claim process In case of a healthcare emergency, if you decide to avail the cashless facility by getting admitted in the nearest network hospital,the following is the process for the claim

  1. Take admission at network hospitals for cashless treatment
  2. For planned admission, you need to place a pre-authorisation request for cashless facility needs to be placed 48 hours before admission and for emergency admission at a network hospital,the request can be placed within 24 hours of admission to the hospital
  3. Hospital verifies customer details and sends the pre-authorisation form to the insurance company
  4. The company verifies pre-authorisation request details with policy terms and benefits and then communicates the decision to the provider
  5. If the cashless request gets approved, compensation will be directly given to the hospital at the time of discharge after all the relevant documents are submitted by the hospital

Reimbursement health insurance claim process:

  1. In case you decide to avail the treatment at non-network hospitals of the insurance company, then the cashless facility cannot be availed. However, you can get the incurred out of pocket expenses reimbursed. Following is the process to be followed for reimbursement of such claims
  2. Take admission at the preferred hospital. Payout of your pocket at the time of discharge and collect all the original documents and discharge papers
  3. Initiate the reimbursement claim with Bajaj Allianz General Insurance Company and submit all the relevant documents along with the duly signed and filled claim form
  4. Company will take decision-based on its review and verification of the documents submitted
  5. Once the claim is approved, the payment of the claim will be made within 15 days’ time

Bajaj Allianz Health Insurance Renewal Process

Online Process For Bajaj Allianz Health Insurance Renewal

Bajaj Allianz Health Insurance offers a simple two-step online renewal process, and here are the steps to follow:
Step 1: Visit the Bajaj Allianz General Insurance website and click on the 'Renew' tab. Then, under the health insurance section, click on the 'Renew Now' button.
Step 2: Enter the required details like Bajaj Allianz Health policy number, date of birth to view your premium details. Select your renewal quote and make the payment

Offline Process For Bajaj Allianz Health Insurance Renewal

For the offline method of renewing your Bajaj Health Policy, you can also call their customer service advisors at 1800 2700 700 who will help you renew your health insurance policy instantly, and provide clarification for any of your queries about the terms and conditions or anything else
The status of Bajaj Allianz policy renewal can be checked either online on their website or offline by visiting their nearest branch or calling their helpline number
There is another way to easily renew your policy with the help of Turtlemint Insurance Advisors. You can visit www.turtlemint.com for your Bajaj Allianz health policy renewal


Premium payment for Bajaj Allianz Health Insurance plans can be done online as well as through offline mode. Following are the ways to make an online payment

  • Net banking
  • Credit card
  • Debit card

However, payment can also be done offline through the below ways

  • Company branch
  • Electronic Clearing System (ECS)
  • Drop boxes
  • Cash/ cheque collection centres

Health insurance plans not only give comprehensive protection but also benefit you by saving a few amounts of tax. You can avail tax deduction on premiums paid towards health insurance plans taken for self, spouse, children and parents. Here are the details

Description The maximum premium for self, spouse and dependent children Maximum premium for parents (dependent/non-dependent) Total deductions available under Section 80D of the IT Act
All members of the family < 60 years of age INR. 25,000 INR. 25,000 INR. 50,000
Self, spouse and children < 60 years ageEither of the parents > 60 years age

INR. 25,000

INR. 50,000 INR. 75,000
Self > 60 years ageSpouse and children < 60 years of ageParents > 60 years age INR. 50,000 INR. 50,000 INR. 1,00,000

Following are the illnesses covered under the plan

  • Kidney Failure
  • Major organ transplant
  • Cancer
  • First heart attack (myocardial infarction)
  • Coronary artery bypass surgery
  • Primary pulmonary arterial hypertension
  • Stroke
  • Permanent paralysis of limbs
  • Aorta graft surgery
  • Multiple sclerosis with persisting symptoms

Cumulative bonus is nothing but the no claim bonus which is given as a reward for not placing any claim during each policy year. This bonus can be accumulated for years. Cumulative bonus helps in lowering the premium amount

Free-look period is the first 10 to 30 days of time after taking the health insurance policy that allows the policyholder to decide whether to continue with the policy or not. If you as an insured are not satisfied with the terms and conditions of the policy, you can cancel the policy during this period by stating the reason for cancellation.

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