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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.

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FAQs

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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