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.

Important Facts about Bajaj Allianz General Insurance Company limited

Here are some of the important facts to note about Bajaj Allianz General Insurance Company –

  • 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 –
    • The company has received ‘’Best Customer Service Provider of the Year’’ and ‘’The General Insurance Company of the Year’’ awards.
    • The company has won the prestigious Asia Insurance Technology Award 2019 for operational excellence
    • The company was awarded as ‘’Marketer of the Year’’ award at The Insurance India Summit & Awards 2019
    • The company was awarded as ‘’Best Motor Insurance Provider of the Year’’ by Money Today Award, 2019
    • The company was awarded as ‘’India’s Leading General Insurance Company 2019-Private’’ by Dun & Bradstreet.
    • The company was awarded as ‘’ Most Trusted Global Brand’’ award by Herald Global & BARC Asia 
    • The company was awarded as ‘’Digital Insurer of the Year 2018 ‘’ at Asia Insurance Industry Awards
    • The company was awarded as ‘’Non-Life Insurer of the Year’’ award at Outlook Money Awards 2017
  • The company’s operational risk management process is ISO 9001:2015 certified, which means the company can exceed customer expectations by proactively managing risk.
  • 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.
  • The company is tied up with 6500+ network garages and 6000+ network hospitals, which makes insurance easily accessible.

Bajaj Allianz General Insurance Company offers a wide range of products that include motor insurance, health insurance, home insurance, travel insurance and many commercial insurance products. Now, let’s take a look at health insurance products offered by Bajaj Allianz General Insurance Company in detail.

Types of Bajaj Allianz Health Insurance Plans

Bajaj Allianz General Insurance offers a variety of health insurance plans that come with customisable features. There are various plans specific to different customer segment. Let’s take a look at types of plans offered by Bajaj Allianz Health Insurance –

  • Individual health insurance plans
  • Family floater health insurance plans
  • Overseas health insurance plans
  • Top-up health insurance plans
  • Critical illness plans
  • Senior citizen health insurance plans
  • Benefit plans
  • Group health plans

Benefits of Bajaj Allianz Health Insurance 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.

List of Bajaj Allianz Health Insurance Plans

Let’s take a look at each plan offered by Bajaj Allianz Health Insurance in detail. Following are the plans offered by the company –

  1. Bajaj Allianz Health Guard Individual Policy

    This Bajaj Allianz Health Insurance Plan is a comprehensive plan for individuals that offers extensive coverage at an affordable price. Health guard plan is designed to cover all the medical treatment expenses during hospitalisation resulting from serious illness or accident. The plan provides a financial shield against healthcare emergencies.

    Features of Bajaj Allianz Health Guard Individual Policy

    • Flexibility to choose from two different plan options – silver plan and gold plan
    • Flexibility to choose the policy term – 1 year/2 year or 3 years
    • Benefits offered by the policy includes in-patient hospitalisation, pre & post hospitalisation, road ambulance, organ donor expenses, daycare procedures, daily cash benefit, convalescence benefit and preventive health check-ups
    • Additional benefits of cover for Ayurvedic/homoeopathic expenses, maternity and new-born baby cover and bariatric surgery cover are provided
    • Family discount of 10% up to two members, 15% for three members
    • The policy offers a cumulative bonus of 10% for each claim-free year up to a maximum of 100%
    • The policy offers long-term policy discount ranging from 4% to 8%

    Eligibility Criteria for Bajaj Allianz Health Guard Individual Policy

    Entry age

    18 years to 65 years

    Entry age for dependent children

    3 months

    Renewability

    Lifelong renewable

    Relationships covered

    Self, spouse, dependent children, parents, parents in law, grandparents, grandchildren, dependent siblings, aunt and uncle

    Pre-entrance medical check-ups

    Not needed up to 45 years of age

    Co-payment

    20% co-payment applicable for policyholders of Zone B cities

    Pre-existing illnesses waiting period

    36 months

    Sum insured

    Sliver plan – INR 1.5 lakh /INR 2 lakhs
    Gold plan – INR 3/4/5/7.5/10/15/20/25/30/35/40/45/50 lakhs

  2. Bajaj Allianz Health Guard Family Floater Policy

    Bajaj Allianz Health Guard Family Floater policy is a comprehensive plan that provides complete coverage for the whole family against health contingencies. Self, spouse and dependent children can be covered under the floater option. 

    Features of Bajaj Allianz Health Guard Family Floater Policy

    • Flexibility to choose from two different plan options – silver plan and gold plan
    • Flexibility to choose the policy term – 1 year/2 year or 3 years
    • Benefits offered by the policy includes in-patient hospitalisation, pre & post hospitalisation, road ambulance, organ donor expenses, daycare procedures, daily cash benefit, convalescence benefit and preventive health check-ups
    • Additional benefits of cover for Ayurvedic/homoeopathic expenses, maternity and new-born baby cover and bariatric surgery cover are provided
    • Family discount of 10% up to two members, 15% for three members
    • The policy offers a cumulative bonus of 10% for each claim-free year up to a maximum of 100%
    • The policy offers long-term policy discount ranging from 4% to 8%

    Eligibility Criteria for Bajaj Allianz Health Guard Family Floater Policy

    Entry age

    18 years to 65 years

    Entry age for dependent children

    3 months

    Renewability

    Lifelong renewable

    Relationships covered

    Self, spouse, dependent children, parents, parents in law, grandparents, grandchildren, dependent siblings, aunt and uncle

    Pre-entrance medical check-ups

    Not needed up to 45 years of age

    Co-payment

    20% co-payment applicable for policyholders of Zone B cities

    Pre-existing illnesses waiting period

    36 months

    Sum insured

    Sliver plan – INR 1.5 lakh /INR 2 lakhs
    Gold plan – INR 3/4/5/7.5/10/15/20/25/30/35/40/45/50 lakhs

  3. Bajaj Allianz Critical Illness Policy

    Bajaj Allianz Critical Illness policy is a benefit health plan offered by Bajaj Allianz offers financial protection against many life-threatening diseases. The plan is a tailor-made plan with various attractive benefits to suit individual needs and pays out the lump sum benefit on diagnosis of specified critical illness.

    Features of Bajaj Allianz Critical Illness Policy

    • The policy covers 10 specified critical illnesses
    • Coverage for organ donor expenses and transplant surgery

    Eligibility Criteria for Bajaj Allianz Critical Illness Policy

    Entry age

    18 years to 65 years

    Renewability

    Lifelong renewable until the first claim is made

    Entry age for dependent children

    6 years

    Pre-entrance medical check-ups

    Not required up to 45 years of age

    Relationships covered

    Self, spouse, dependent children, parents

    Co-payment

    None

    Waiting period 

    90 days

    Sum insured

    for 6 years to 60 years age group – IN. 1 lakh to INR 50 lakhs
    for 61 years to 65 years – INR 1 lakh to INR 5 lakhs

  4. Bajaj Allianz Premium Personal Guard Plan

    Premium Personal Guard plan offered by Bajaj Allianz health insurance is a plan that provides financial protection in the event of an accidental injury and death. The policy helps in the event of uncertainties with various attractive features.

    Features of Bajaj Allianz Premium Personal Guard Plan

    • The policy offers coverage for death, permanent total disability, permanent partial disability and temporary total disability caused by an accident. 
    • Additional coverages provided under the policy includes transportation of mortal remains, children’s education bonus, hospital confinement allowance, accidental hospitalisation expenses and cumulative bonus.

    Eligibility Criteria for Bajaj Allianz Premium Personal Guard Plan

    Entry age

    18 years to 65 years

    Renewability

    Lifelong renewable 

    Entry age for dependent children

    5 years

    Pre-entrance medical check-ups

    Not required 

    Relationships covered

    Self, spouse, dependent children

    Co-payment

    None

    Sum insured

    INR 10 lakhs to INR 25 lakhs

  5. Bajaj Allianz Extra Care Plan

    Extra Care is a Bajaj Allianz health insurance plan that provides complete protection to you and your family against medical emergencies arising out of serious accidents or illnesses. The policy takes care of the additional expenses and hence can be taken as an add-on cover to existing hospitalisation medical expenses policy.

    Features of Bajaj Allianz Extra Care Policy

    • The policy offers family floater coverage with the single premium for the family
    • Wide range of aggregate deductible options
    • The policy offers a cumulative bonus of 10% for each claim-free year up to a maximum of 100%
    • Coverage for ambulance charges during an emergency
    • Free preventive health check-up every 3 years, irrespective of a claim

    Eligibility Criteria for Bajaj Allianz Extra Care Policy

    Entry age

    18 years to 70 years

    Renewability

    Lifelong renewal

    Entry age for dependent children

    91 days

    Pre-entrance medical check-ups

    Not required up to 55 years of age

    Relationships covered

    Self, spouse, dependent children and dependent parents

    Deductibles

    INR 3 lakhs, INR 4 lakhs and INR 5 lakhs

    Pre-existing illnesses waiting period

    48 months

    Sum insured

    INR 10 lakhs, INR 12 lakhs and INR 15 lakhs

  6. Bajaj Allianz Extra Care Plus Plan

    Bajaj Allianz Extra Care Plus plan acts as a great supplement to an existing health insurance policy by providing maximum health cover for you and your family. The plan provides a larger cover at an affordable cost.

    Benefits of Bajaj Allianz Extra Care Plus Plan

    • Wide range of sum insured and aggregate deductible options
    • The policy provides cover for in-patient hospitalisation, pre and post hospitalisation, emergency road ambulance cover, organ donor expenses and daycare procedures
    • Additional benefits include free health check-up, cover for newborn baby and maternity expenses cover including complications of maternity
    • The policy provides an option to opt for air ambulance cover

    Eligibility Criteria for Bajaj Allianz Extra Care Plus

    Entry age

    91 days to 80 years

    Renewability

    Lifelong renewal

    Entry age for dependent children

    91 days

    Pre-entrance medical check-ups

    Not required up to 55 years of age

    Relationships covered

    Self, spouse, dependent children and dependent parents

    Deductibles

    INR 2 lakhs to INR 10 lakhs

    Pre-existing illnesses waiting period

    12 months

    Sum insured

    INR 3 lakhs to INR 50 lakhs

  7. Bajaj Allianz M-Care Plan

    M-care is a Bajaj Allianz health insurance plan that is specifically designed to provide financial protection against vector-borne diseases. The policy covers most of the common vector-borne ailments. The coverage can be availed on individual or family floater basis.

    Features of Bajaj Allianz M-Care Plan

    • The policy covers common vector-borne diseases such as dengue fever, Filariasis, Malaria, chikungunya, kala-azar, Japanese encephalitis and Zika virus
    • 20% discount on buying the policy online

    Eligibility Criteria for Bajaj Allianz M-Care Plan

    Entry age

    18 years to 65 years

    Renewability

    Lifelong renewal

    Entry age for dependent children

    0 days

    Pre-entrance medical check-ups

    Not required up to 55 years of age

    Relationships covered

    Self, spouse, dependent children and dependent parents

    Co-payment

    No co-payment applicable

    waiting period

    first 15 days from the commencement of the policy

    Sum insured

    INR 10,000, INR 15,000, INR 25,000, INR 50,000 and INR 75,000

  8. Bajaj Allianz Total Health Secure Goal Plan

    Bajaj Allianz Total Health Secure Goal is a composite insurance plan that provides complete protection to you and your family from all the health contingencies along with life cover. It is a comprehensive plan that comes with many amazing features to secure health and life. It is a combination of Bajaj Allianz health guard plan and iSecure term plan.

    Features of Bajaj Allianz Total Health Secure Goal Plan

    • It is a comprehensive plan that provides both hospitalisation and life cover
    • Rebate for high sum assured and healthy lifestyle
    • Comprehensive cover for healthcare expenses arising out of illnesses and accidents
    • Coverage is also included for maternity expenses, organ donor expenses etc.
    • Flexibility to choose the coverage between two plan variants – gold and silver

    Eligibility Criteria for Bajaj Allianz Total Health Secure Goal Plan 

    Entry age

    18 years to 60 years

    Renewability

    iSecure term – 10 to 30 years
    Health guard – Lifelong renewal

    Pre-entrance medical check-ups

    Required

    Sum insured

    iSecure term – INR 25 lakhs to no limit
    Health guard – INR 1.5 lakhs to INR 50 lakhs

  9. Bajaj Allianz Health Care Supreme Plan

    Health care supreme is a comprehensive health plan offered by Bajaj Allianz Health Insurance that provides coverage against medical expenses for a lifetime along with many attractive add-ons. The policy can be availed on an individual or on a family floater basis. This plan is also offered to groups.

    Features of Bajaj Allianz Health Care Supreme Plan

    • The coverage includes hospitalisation expenses, pre and post hospitalisation, daycare procedures, road ambulance, air ambulance, organ donor expenses, outpatient expenses, physiotherapy expenses, recovery benefits, AYUSH treatments and maternity and newborn baby cover
    • The benefit includes sum insured reinstatement and free annual health check-ups
    • The policy offers add-on benefits to enhance the cover – ancillary expenses benefit, critical illness benefit and personal accident cover
    • Flexibility to choose the coverage between three variants – vital, smart and ultimo

    Eligibility Criteria for Bajaj Allianz Health Care Supreme Plan

    Entry age

    18 years toa lifetime
    for add-on cover – 18 years to 65 years

    Entry age for dependent children

    3 months

    Renewability

    Lifelong renewable

    Relationships covered

    Self, spouse, dependent children and dependent parents

    Pre-entrance medical check-ups

    Not needed up to 45 years of age

    Co-payment

    Not applicable

    Pre-existing illnesses waiting period

    24 months

    Sum insured

    Vital – INR 30,000 to INR 60,000
    Smart – INR 60,000 to INR 1,20,000
    Ultimo – INR 75,000 to INR 1,50,000

  10. Bajaj Allianz Silver Health Plan

    Bajaj Allianz health insurance silver health plan especially targets senior citizens which protects them from health emergencies arising due to illness or accident.

    Features of Bajaj Allianz Silver Health Plan

    • The policy covers hospitalisation expenses, pre and post hospitalisation expenses and 130 daycare procedures are covered
    • Cumulative bonus of 10% of the sum insured for every claim-free year up to a maximum of 50% of sum insured
    • Health check-up in a block of four claim-free years
    • 5% family discount is offered on premium

    Eligibility Criteria for Bajaj Allianz Silver Health Plan

    Entry age

    46 years to 70 years

    Renewability

    Lifelong renewable

    Relationships covered

    Self and spouse

    Pre-entrance medical check-ups

    Required

    Co-payment

    Not applicable

    Pre-existing illnesses waiting period

    12 months

    Sum insured

    INR 50,000 to INR 5,00,000

  11. Bajaj Allianz Tax Gain Plan

    Tax gain is a Bajaj Allianz health insurance plan that covers out-patient expenses and hospitalisation expenses for you and your family on floater basis. The plan is offered on an age basis with different features and benefits.

    Features of Bajaj Allianz Tax Gain Plan

    • Pre and post hospitalisation expenses and ambulance charges are covered
    • 130-day care procedures are covered

    Eligibility Criteria for 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

    Renewability

    Lifelong renewable

    Relationships covered

    Self and spouse

    Pre-entrance medical check-ups

    Not required until 45 years of age

    Co-payment

    10% co-payment applicable

    Pre-existing illnesses waiting period

    12 months

    Sum insured

    Plan A – INR 1 lakh
    Plan B – INR 2 lakhs
    Plan C – INR 5 lakhs
    Plan D – INR 1 lakh

  12. Bajaj Allianz Health Ensure Plan

    Bajaj Allianz Health Ensure Plan offered by Bajaj Allianz offers extensive health coverage at a competitive premium. It is a comprehensive plan available to take care of the entire family’s healthcare needs. The plan can be availed on an individual or on a family floater basis.

    Features of Bajaj Allianz Health Ensure Plan

    • Coverage includes in-patient hospitalisation, pre and post hospitalisation, road ambulance, organ donor expenses, daycare procedure, Ayurvedic and homoeopathy treatments and preventive health check-ups etc
    • 5% cumulative bonus for each claim-free year
    • Non-resident Indians can also avail the cover provided the premium is paid in Indian currency and from Indian account
    • Flexibility to choose the policy period – 1 year, 2 year and 3 years

    Eligibility Criteria for Bajaj Allianz Health Ensure Plan

    Entry age

    18 years to a lifetime

    Entry age for dependent children

    3 months

    Renewability

    Lifelong renewable

    Relationships covered

    Self, spouse, dependent children, grandchildren, parents, sister, brother, parents in law and grandparents

    Pre-entrance medical check-ups

    Not required until 50 years of age

    Co-payment

    20% co-payment is applicable for policyholders of Zone B (non-metro) cities while availing treatment in Zone A cities

    Pre-existing illnesses waiting period

    24 months

    Sum insured

    Individual policy – INR 50,000 to INR 10 lakhs
    Family floater policy – INR 2 lakhs to INR 10 lakhs

  13. Bajaj Allianz Hospital Cash Daily Allowance Plan

    Bajaj Allianz hospital cash daily allowance policy provides protection to you and your family against the financial burden that you face during hospitalisation. The coverage can be availed for self, spouse and children. 

    Features of Bajaj Allianz Hospital Cash Daily Allowance Plan

    • The policy provides daily hospitalisation cash benefit to deal with the financial burden
    • The plan can be taken along with the regular health insurance plan

    Eligibility Criteria for Bajaj Allianz Hospital Cash Daily Allowance Plan

    Entry age

    18 year to 65 years

    Entry age for dependent children

    3 months

    Renewability

    Lifelong renewable

    Relationships covered

    Self, spouse and dependent children

    Pre-entrance medical check-ups

    Not required

    Co-payment

    not applicable

    Sum insured

    INR 500 /INR 1,000/INR 2,000/INR 2,500 per day

  14. Bajaj Allianz Women Specific Critical Illness Plan

    This Bajaj Allianz health insurance plan is specifically designed for women to shield them against life-threatening illnesses.

    Features of Bajaj Allianz Women Specific Critical Illness Plan

    • The policy provides cover for critical illnesses like breast cancer, fallopian tube cancer, cervical cancer, and ovarian cancer, permanent paralysis of limbs, multi-trauma and burns
    • Coverage for congenital disability benefit
    • Children education bonus of INR 25,000
    • Compensation for loss of job due to critical illness up to INR 25,000

    Eligibility Criteria for Bajaj Allianz Women Specific Critical Illness Plan

    Entry age

    21 years to 65 years

    Renewability

    Lifelong renewable until the first claim is made

    Pre-entrance medical check-ups

    Not required up to 41 years of age

    Relationships covered

    self

    Co-payment

    None

    Waiting period 

    90 days

    Sum insured

    INR 50,000, INR 1,00,000, INR 1,50,000 and INR 2,00,000

  15. Bajaj Allianz Global Personal Guard Policy

    Global Personal Guard Policy is an affordable plan to help you deal with a personal accident, not just within India but globally. Global Personal Guard Policy is a standalone health plan that protects you from personal accidents all around the globe. The plan covers the expenses that would be incurred in case you require 24 hours or more of hospitalisation after an accidental injury. While covering you against unpredictable events,Global Personal Guardcovers you in the case of accidental death, permanent total disability and permanent partial disability. 

    Features of Bajaj Allianz Global Personal Guard Policy

    • The plan offers 2 sections-base Cover and Optional Benefit
      • The base cover includes: Death, Permanent Total Disability and Permanent Partial Disability
      • There are multiple exclusive optional covers that you can opt for such as:
        • Accidental Hospitalisation Expenses
        • Adventure sports benefit
        • Air ambulance cover
        • EMI payment cover
        • Loss of income due to disability from accident 
        • Travel funding 
        • Hospital cash benefits 
    • In the case of Permanent Total Disability 200% of the sum insured is paid to the proposer
    • If the insured member disappears after stranding, wrecking/ sinking of a conveyance forced landing, the member would be deemed dead within 12 months 
    • Air, as well as road ambulance, is covered in case of an emergency
    • The policy offers a cover for adventure sports, in a non-professional activity, such as bungee jumping, rock climbing, sky sports, water sports, motor rallying, motorcycle racing, kart racing, when engaged under supervision of a trained professional
    • Apart from yourself, you can cover your spouse, parents and children all under one policy
    • Road ambulance charges are covered in case of an emergency 
    • In case you are injured and hospitalised, cost of travel of a family member will be covered 
    • Under the Permanent Total Disability is claims, Lifestyle modification Benefit will be paid over and above the basic sum insured 
    • Hospital care also includes fracture care
    • You can opt for any suitable plan from the innovative packages offered 
    • As a cumulative 10% of the sum insured is offered for every claim year, up to a maximum of 50%
    • Eligibility Criteria for Bajaj Allianz Global Personal Guard Policy

      Entry age

      18 years to 65 years
      Dependent Children 5 years to 21 years

      Renewability

      Lifelong renewable

      Policy Tenure

      1, 2 or 3 years

      Relationships covered

      Self, spouse and dependent children

      Co-payment

      Not Applicable

      Payout basis 

      Benefit basis in case of death/ Permanent Total Disability and Permanent Partial Disability and Temporary Total Disability, Transportation, Children Education Benefit, Hospital confinement Allowance

      Indemnity Basis in case of Hospitalisation expenses

      Waiting period 

      Not Applicable

      Sum insured

      INR 50,000 lakhs to INR 25 crores

  16. Bajaj Allianz Health Infinity Plan

    The Health Infinity plan is an affordable health insurance plan that offers you and your family comprehensive medical coverage. The plan allows you to choose your health insurance as per the room rent per day. Health Infinity Plan by Bajaj Allianz covers the in-patient treatment at a hospital without any sub-limits. The comprehensive coverage offered by the plan is available at affordable rates making it easier for people from different backgrounds to avail of its benefits. 

    Features of Bajaj Allianz Global Personal Guard Policy

    • Under the in-patient hospitalisation cover, the policy would indemnify the following:
      • Room rent as per the daily room rent limit that has been selected
      • ICU and ICCU charges
      • A fee of the anaesthetist, medical practitioner, consultants, specialists
      • Dialysis, chemotherapy, radiotherapy and physiotherapy
      • Medicines and consumables
      • Cost of artificial limbs, prosthetic devices
      • Laboratory diagnostic tests
    • The plan allows pre and post-hospitalisation for a period of 60 and 90 days respectively. Keep in mind that the expenses that are in relation to the same illness/ injury for which the hospitalisation was required 
    • Per hospitalisation, you can avail a cover of up to INR 5,000 for road ambulance
    • Covers day care procedures
    • You can opt for room rent options that range from INR 3,000 to 50,000
    • Multiple Discounts are offered:
      • Wellness discount
        5% discount at renewal if prescribed test reports are normal
      • Long term policy discounts
        4% and 8% discount when the policy is taken for 2 and 3 years respectively
      • Family discounts
        5% discount when 2 or more family members are covered
      • Employee discount
        20% discount on published premiums when employees of Bajaj Allianz buy the policy
      • Online discount
        5% discount when the policy is purchased online
    • You are offered pre and post-hospitalisation for 60 and 90 days respectively
    • Unless the proposer suffers from a medical condition, pre-policy medical screening is not required till the age of 45 years
    • The premium that you pay will fetch you tax benefits under Section 80C of the Income Tax Act
    • At the end of 3 policy years, you would be eligible for a Preventive Health Check-Up maximum of up to INR 5,000 per person
    • You can pay the policy premium on an annual basis for long term policies, for annual policies you can pay the premium on a monthly or quarterly or half-yearly basis
    • Eligibility Criteria for Bajaj Allianz Health Infinity Policy

      Entry age

      Proposer and Spouse 18 years to 65 years
      Dependent Children 3 months to 25 years

      Renewability

      Lifelong Renewability applicable

      Policy Tenure

      1/ 2 or 3 years 

      Type of Policy

      Individual Policy
      Can cover Self, spouse, parents, dependent children

      Co-payment

      Optional

      Pre-policy Medical screening

      Not required

      Pre-Existing Disease Waiting period 

      36 months

  17. Bajaj Allianz Arogya Sanjeevani Health Insurance Policy

    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

    • 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
    • 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
    • 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
    • In-patient medical expenses for AYUSH treatments are covered
    • You have the option to pay the premium either in full or on a half-yearly, quarterly, monthly basis
    • You can cover yourself, your spouse, dependent children, parents and parents-in-law
    • Your cumulative bonus increases by 5% every claim-free year
    • No pre-policy medical screening is required for people under 45 years of age, provided the proposer has no medical conditions
    • Arogya Sanjeevani by Bajaj Allianz allows pre and post-hospitalisation for a period of 30 and 60 days respectively
    • The premium can be paid on a monthly or quarterly or half-yearly or yearly basis
    • There is a 5% mandatory cost-sharing on all claims 
    • Cataract Treatment up to 25% of the sum insured is covered
    • The plan offers a family discount of 10% and an online discount of 5%
    • 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

      Eligibility Criteria for Bajaj Allianz Arogya Sanjeevani Health Insurance Policy

      Entry age

      Proposer and Spouse 18 years to 65 years
      Dependent Children 3 months to 25 years

      Renewability

      Lifetime Renewability

      Policy Tenure

      1 year

      Type of Policy

      Individual Basis/ Family Floater Basis

      Sum Insured

      INR 1 lakh to 25 lakhs

      Co-payment

      Mandatory 5% on all claims

      Pre-policy Medical screening

      Not Required until 45 years of age

      Pre-Existing Disease Waiting period 

      48 months

  18. Bajaj Allianz Corona Kavach Policy

    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

    • Corona Kavach Policy indemnifies medical expenses incurred due to hospitalisation for a period of 24 hours or more
    • Under covid-hospitalisation expenses, room rent charges are covered, along with PPE kits and gloves, oxygen, ventilators and doctor’s fee
    • 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
    • Corona Kavach policy also covers comorbidities along with Covid
    • Transport of insured in an ambulance up to INR 2,000, only in relation to Covid hospitalisation, is covered
    • 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
    • As an optional add-on cover, you can opt for Hospital cash
    • In-patient AYUSH treatment care 
    • The plan would indemnify pre and post-covid-related hospitalisation for a period of 15 and 30 days respectively
    • The plan comes with nominal sub-limits
    • You have multiple sum insured options to choose from INR 50,000 to INR 5 lakhs in multiples of 50,000
    • Eligibility Criteria for Bajaj Allianz Corona Kavach Policy

      Entry age

      Proposer and Spouse 18 years to 65 years
      Dependent Children 1 day to 25 years

      Policy Tenure

      3.5 months, 6.5 months, 9.5 months

      Type of Policy

      Individual Basis/ Family Floater Basis

      Sum Insured

      INR 50,000 to 5 lakhs

      Sub-limits

      Reasonable sub-limits based on the sum insured

      Pre-policy Medical screening

      Not Required

      Waiting period 

      15 days since the policy inception

  19. Bajaj Allianz Criti Care Insurance Policy

    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

    • With comprehensive coverage, the plans cover 43 critical illnesses
    • Irrespective of the treatment cost, you receive a lump sum payout
    • It is a very flexible plan. Apart from being a multi-year policy you also have the freedom to pay the premium in installments 
    • The plan comes with 5 plan options:
      1. Cancer Care
      2. Cardiovascular care
      3. Kidney Care
      4. Neuro Care
      5. Transplant Care and Sensory Organs Care
    • 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

      Eligibility Criteria for Bajaj Allianz Criti Care Insurance Policy

      Entry age

      Proposer and Spouse 1

      Renewability

      Lifelong

      Payout Basis

      Lumpsum 

      Policy Tenure

      1/ 2 or 3 years

      Type of Policy

      Individual Basis

      Sum Assured 

      Minimum Sum Assured for Entry age 18 to 65 years is INR 1 lakh 

      Maximum Sum Assured for Entry age up to 60 years is INR 50 lakhs per section

       Maximum Sum Assured for Entry age between 61 and 65 years is INR 10 lakhs per section

      Cost Sharing 

      Not applicable

      Waiting period 

      120/ 180 days 

  20. Bajaj Allianz Saral Suraksha Bima Policy

    Under the guidelines of the IRDA, all health insurance companies have to offer the Saral Suraksha Bima plan. This is a standard personal accident plan that would offer compensation to the appointed nominee in case you, the policyholder, faces death or permanent/ partial disability due to an accident. Saral Suraksha Bima Policy is a medical policy that covers temporary disablement and hospitalisation after an accidental injury. It is affordable and thus people from all sections of society can protect themselves as well as their loved ones in case of an untoward incident. 

    The basic coverage offered by the plan is as follows:

    • Death – 100% of the compensation amount
    • Permanent Total Disablement – 100% of the sum insured
    • Permanent Partial Disablement – The insured is liable to file a claim to receive the sum insured for the treatment 

    Features of Bajaj Allianz Saral Suraksha Bima Policy

    • An affordable plan to cover the unforeseen accidents in life
    • This plan is available on an individual basis, for each family member covered there would be a separate sum insured
    • You can cover yourself, spouse, dependent children, parents and also your parents-in-law
    • After every claim-free year the cumulative bonus increases by 5% to a maximum of 50%
    • You can pay the premium on an annual, half-yearly, quarterly or monthly basis
    • You can take a cover, up to INR 1 crore, making it a high coverage health plan
    • The premium for different risk levels is decided by the risk class of your occupation
    • The following are available as Optional Covers:
      • Educational Grant
        The family would be eligible for a 10% education grant for the dependent child/ children, in case of the insured member’s death or permanent disability. This is a one time grant
      • Temporary Total Disablement
        The insured would be liable to receive 0.2% of the sum insured every week, till a maximum of 100 weeks
      • Hospitalisation Expenses due to Accident
        In case you require hospitalisation after an accident, the expenses will be covered up to 10% of the sum insured

      Eligibility Criteria for Bajaj Allianz Saral Suraksha Bima Policy

      Entry age

      18 years to 70 years
      Dependent Children: 3 months to 25 years

      Policy Tenure

      1 year

      Renewability

      Lifelong 

      Type of Policy

      Individual Basis

      Relationships Covered

      Self, spouse, dependent children, parents, parents-in-law

      Sum Insured

      INR 2.5 lakhs to 1 crore

      Waiting period 

      Not applicable

Group Health Plans of Bajaj Allianz:

Apart from Bajaj Allianz Health Insurance plans offered for individual and family, there are plans that are made available for the group also to cater to the healthcare needs of its members. Following are the group health plans offered by Bajaj Allianz –

  1. Bajaj Allianz Comprehensive Care Plan
  2. Bajaj Allianz Credit Linked Health Plan
  3. Bajaj Allianz Group Hospital Cash Policy
  4. Bajaj Allianz Family Health Care Policy
  5. Bajaj Allianz Health Guard (Group)
  6. Bajaj Allianz M Care (Group)
  7. Bajaj Allianz Global Personal Guard Policy (Group)
  8. Bajaj Allianz Personal Care Insurance Policy

Premium Calculator for Bajaj Allianz Health Insurance Plans

The premium for Bajaj Allianz health insurance plans can be calculated instantly by using the online premium calculator. Quotes for Bajaj Allianz health insurance plans can be obtained by providing some basic information in the online premium calculator. All that you need to provide is your name, age, contact details, health history and coverage requirements. Premium calculator instantly calculates the premium based on the information provided. You can change the details of your requirement for recalculation of premium.

How to Buy Bajaj Allianz Health Insurance Plans?

You can purchase Bajaj Allianz Health Insurance plans through both online and offline mode. Offline plans are sold by the insurance company directly at the branch offices or can even be purchased through insurance advisors. There are many health plans offered by Bajaj Allianz which are designed for the digital platform. Such plans can be bought online through their company’s website with some simple buying process.

However, the easiest way to buy Bajaj Allianz health insurance plans would be buying online through Turtlemint wherein you can compare various similar health insurance plans and then buy the best suitable plan from Bajaj Allianz. Following is the simple process to buy Bajaj Allianz health insurance plans online through Turtlemint –

  • Go to Turtlemint and choose the category of insurance plan that you would want to purchase
  • To buy a health plan, you need to 
    • Share your profile details which would include –
      • Gender
      • Age
      • Age of the members whom you want a cover
      • Information about pre-existing illnesses
      • The annual income level of the family
      • Are PIN code
    • Based on your details, a list of some of the best health insurance plans available in the market are displayed
    • You can select the best suitable plan after comparison
    • Once you choose the plan, you need to fill in the online application form
    • Once the details are filled, proceed for premium payment online
    • Once the application is filled and payment is done, you can buy the plan easily

The Renewal Process for Bajaj Allianz Health Insurance Plans

Renewing Bajaj Allianz health insurance plans is quite simple. Following are the steps for renewing the policy online through the company’s website –

  • Log on to Bajaj Allianz General Insurance Company’s website and click on ‘renew online’ option in the home page under health insurance category
  • Provide your policy details and pay the premium online. Once the payment is done policy would be renewed.

Bajaj Allianz health insurance plans can also be renewed through Turtlemint online. If you have purchased a policy through Turtlemint, you would be having user credentials. Log in with your user details and access the existing policy details on the portal. Click on the ‘renew’ option and pay the renewal premium online. Your policy would be renewed easily.

Claim Process for Bajaj Allianz Health Insurance Plans

The claim process for Bajaj Allianz health insurance plans is quick and convenient. Bajaj Allianz provides 24/7 call assistance for claims support and a convenient digital option for claim registration. The process varies depending on the type of health claim you are making. Following is the simple process for health claims –

  • 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 –

    • Take admission at network hospitals for cashless treatment
    • 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
    • Hospital verifies customer details and sends the pre-authorisation form to the insurance company
    • The company verifies pre-authorisation request details with policy terms and benefits and then communicates the decision to the provider
    • 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

    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 –

    • Take admission at the preferred hospital. Payout of your pocket at the time of discharge and collect all the original documents and discharge papers
    • 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
    • Company will take decision-based on its review and verification of the documents submitted
    • Once the claim is approved, the payment of the claim will be made within 15 days’ time
  • Documents Required for Bajaj Allianz Health Insurance Claims

    1. Duly filled and signed claim form
    2. Original discharge summary
    3. Original payment receipts
    4. Original hospital bill with detailed cost breakup
    5. Diagnostic or laboratory reports
    6. Fully filed NEFT details form
    7. Copy of invoice/barcode/stickers in case of implants
    8. A first consultation letter from a doctor

    For any queries, you can contact Turtlemint support team on 1800-266-0101 or Bajaj Allianz General Insurance Company.

    Company Address and Contact Information – Bajaj Allianz General Insurance Company

    Address: Bajaj Allianz General Insurance Company, Bajaj Allianz House, Airport Road, Yerawada, Pune – 411 006

    Toll Free Number: 1800 209 0144 / 1800 209 5858

    Email: bagichelp@bajajallianz.co.in


FAQ’s

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 age

    Either of the parents > 60 years age 

    INR. 25,000

    INR. 50,000

    INR. 75,000

    Self > 60 years age

    Spouse and children < 60 years of age

    Parents > 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.