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Bajaj Allianz Health Insurance Plans Overview

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

Coverage

1 Lakh - 25 Lakh

NCB

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

NA

Coverage

50,000 - 5 Lakh

NCB

NA

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

Coverage

1 Lakh - 50 Lakh

NCB

NA

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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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