Bajaj Allianz Health Insurance Plans 2026 – Types, Benefits, & Premium
Protect yourself and your loved ones from financial constraints which can occur due to health conditions. Health insurance plans from Bajaj Allianz Health Insurance come with family discount and lifetime renewability options.
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited (74%) and Allianz SE (26%), headquartered in Pune. The company empowers individuals, communities, and businesses across India to manage risks effectively through tailored solutions in health, cyber-safe, home, travel, and motor insurance.
Their comprehensive health insurance plans are designed to safeguard both health and finances from medical expenses. These customisable plans cover consultations, health check-ups, critical illnesses, maternity, and accident-related costs — ensuring ample coverage for individuals and their families.
Types of Bajaj Allianz Health Insurance Plans
Here are the various types of plans offered by Bajaj Allianz:
1. Mediclaim or Indemnity Plans: These plans cover hospitalisation expenses such as room rent, doctor fees, medicines, and treatment costs. The insurer either reimburses the expenses or settles the bill directly with the hospital through cashless treatment. Mediclaim plans are available for individuals as well as families.
2. Top-up Plans: These plans give extra health insurance coverage when the amount in your main health insurance policy gets fully used. These plans are taken along with a basic mediclaim policy to increase the total coverage. They usually cost less than normal health insurance plans and help in managing higher medical expenses.
3. Hospital Cash Benefit Plans: These plans offer a fixed daily cash allowance during hospitalisation. This money can be used to manage non-medical expenses such as food, travel, attendant costs, or special medicines. Depending on the policy, the daily payout may range from Rs.1,000 to Rs.3,000 or more.
4. Critical Illness Insurance: This insurance provides a lump sum payout if the insured person is diagnosed with serious diseases listed in the policy. Unlike regular health insurance, hospitalization is not always necessary to claim the benefit. The amount received can be used for medical treatment, lifestyle adjustments, or recovery-related expenses.
5. Individual Health Insurance Plans: These insurance plans are designed to cover a single person. These plans pay for hospital expenses, surgeries, doctor consultations, medicines, and other healthcare costs. Every insured individual receives a separate sum insured, ensuring dedicated coverage.
6. Family Floater Insurance Plans: These plans provide health coverage for the entire family under one policy. Instead of separate coverage for each member, all insured family members share a common sum insured. These plans generally include the spouse and children, while some policies also allow parents to be included.
7. Senior Citizen Insurance Plans: These insurance plans are specially designed for individuals aged 60 years and above. These policies cover age-related medical expenses such as hospitalization, medicines, doctor consultations, and sometimes home healthcare services.
8. Personal Accident Insurance Plans: These plans provide financial compensation in case of accidental injuries, disability, or death. The policy may offer benefits for temporary or permanent disability caused by accidents. In case of accidental death, the nominee generally receives the full compensation amount.
9. Maternity Health Insurance Plans: These plans cover pregnancy-related expenses, including prenatal care, delivery charges, postnatal treatment, and newborn baby care. Some policies also include ambulance costs and vaccination expenses for the child.
10. Unit Linked Health Plans (ULHPs): These plans combine health insurance protection with investment benefits. A portion of the premium is used to provide health coverage, while the remaining amount is invested in market-linked instruments such as equity, debt, or hybrid funds.
11. Group Health Insurance: These plans provide coverage to a group of people, usually employees of a company or members of an organization. These policies generally cover hospitalization expenses, surgeries, maternity benefits, outpatient treatment, and health check-ups.
12 Disease-Specific Health Insurance Plans: These are designed to cover treatment expenses for particular illnesses such as cancer, dengue, COVID-19, or other specified diseases. These plans provide financial assistance for treatments, medicines, and hospitalization related only to the illness mentioned in the policy.
What is Excluded from Coverage?
The general exclusions in the Bajaj Allianz Health Insurance policy include:
- War: Treatment expenses resulting from war are not covered by the Bajaj Allianz Health Insurance policies.
- Dental Treatment: Unless necessitated by an acute traumatic injury or cancer, the Bajaj Allianz Health Insurance insurance policies do not cover dental treatment.
- External Appliances or Devices: The coverage provided by the Bajaj Allianz Health Insurance plans excludes the cost of contact lenses, spectacles, hearing aids, artificial limbs, crutches, artificial teeth, dentures, etc.
- Intentional Self-injury: Coverage for intentional self-injury is not offered by the Bajaj Allianz Health Insurance policies, prioritizing your well-being.
- Plastic Surgery: Except when necessary for the treatment of cancer, burns, or accidental bodily injury, any cosmetic surgery is excluded from the coverage of the Bajaj Allianz Health Insurance policies.
- Treatment Outside India: The Bajaj Allianz Health insurance policies do not extend coverage to any treatment received outside India.
How to Estimate Your Premium Online
You can utilise Bajaj Allianz's free health insurance calculator to estimate your premium. Follow these quick steps:
Step 1: Visit the online health insurance premium calculator.
Step 2: Enter your personal details, which include name, date of birth, selected insurance policy, details of family members to be covered, pin code, and contact number.
Step 3: Click on the 'Get My Quote' button.
Step 4: View your premium details, choose co-payment as per your preference, and click on the 'Confirm Plan' button to purchase a suitable policy online.
Once you make the online payment, you will instantly receive your health insurance policy (soft copy).
How to Purchase a Policy Online?
Buying Bajaj Allianz health insurance online is quick and simple. Follow these steps:
Step 1: Click 'I Want to Buy' on the top-right corner of the page.
Step 2: Select your preferred health insurance policy.
Step 3: Enter your name, date of birth, family member details, pin code, and contact number.
Step 4: Click 'Get My Quote' to view premium details.
Step 5: Choose your co-payment preference and click 'Confirm Plan' to complete the purchase.
After making the online premium payment, you will instantly receive a soft copy of your health insurance policy.
How to Renew Your Health Insurance Policy?
Renewing a Bajaj Allianz health insurance plan online involves the following steps:
Step 1: Visit the official Bajaj Allianz Health Insurance website and navigate to the 'Renew Your Policy' option on the page.
Step 2: Select the 'Health Renewal' option.
Step 3: Enter your mobile number along with the OTP received.
Step 4: Provide the necessary details to access the list of available plans.
Step 5: Choose the preferred Bajaj Allianz Health Insurance renewal plan and complete the payment of the premium amount.
Step 6: Upon receipt of the premium, the insurer will renew your policy.
How to File a Claim Step by Step?
The process for filing a cashless claim with a Bajaj Allianz Health Insurance policy is outlined below:
Step 1: Inform Bajaj Health Insurance about the hospitalisation or treatment.
Step 2: Select between cashless claim or reimbursement claim.
Step 3: For cashless claims, you need to visit a network hospital and submit your health card or policy details, and the hospital sends a pre- authorisation request to the company for approval.
Step 4: For reimbursement claims, pay the hospital expenses yourself and collect all original documents.
Step 5: Submit the claim form, hospital bills, discharge summary, prescriptions, and medical reports to Bajaj Health Insurance.
Step 6: The insurer verifies the documents and after successful verification, the claim amount is transferred to your bank account.
Who is Eligible to Apply?
When considering the purchase of a health insurance policy, several factors are taken into account.
Age Criteria: Standard plans cover individuals aged 18 to 65 years. Dedicated senior citizen plans are available for those aged 60 years and above.
Pre-existing Diseases: Coverage begins after the waiting period. The insurer will inquire about existing conditions such as kidney problems and high blood pressure during the application process.
Smoking Habits: Non-smokers generally enjoy lower premiums compared to smokers.
Medical Check-up: Individuals aged 45 years or older may need to undergo a medical screening before the policy is issued.
Documents Required to Get Started
- Passport-sized photographs
- Policy proposal form
Residential proof: Acceptable documents for residential proof include:
- Voter's ID
- Aadhaar card
- Passport
- Electricity bill
- Driving license
- Ration card
Age proof: Any of the mentioned documents can be submitted as age proof:
- Passport
- Aadhaar card
- Birth certificate
- PAN Card
- 10th and 12th class mark sheet
- Voter's ID
- Driving license
Identity Proof: Choose from the following documents as your identity proof:
- Aadhaar card
- Driving license
- Passport
- PAN Card
- Voter's ID
Depending on your chosen coverage, age, medical history, current lifestyle, and residential address, additional documents may be requested.
Key Benefits You Should Know
Benefit | Details |
Cashless Treatment | No out-of-pocket expenses at network hospitals. Simply provide your policy number and the insurer settles the bill directly. |
Tax Benefits | Claim deductions under Section 80D — up to Rs.25,000/year (below 60 years) and up to Rs.50,000/year (senior citizens). |
Daily Hospital Cash | Fixed daily cash payout for a limited number of days to cover accommodation costs for family members or caretakers. |
Cumulative Bonus | Sum Insured increases by 5% in Year 1 and 10% for every claim-free renewal, up to a maximum of 50%. |
Free Health Check-ups | Regular preventive health check-ups covered under the policy at no additional cost. |
Lifelong Renewability | Renew annually before expiration for continued coverage. Customise coverage based on family size and needs at renewal. |
Bajaj Allianz Health Insurance Customer Care Number
Explore the contact details for Bajaj Allianz General Insurance Company:
Toll-free No:
- 1800-103-2529 (for health claim assistance)
- 1800-209-0144 (for sales assistance)
- 1800-210-1030 (for senior citizens)
- 1800-102-5858
- 1800-209-5858
- 020 30305858
WhatsApp No:
- 75072 45858
Email Id:
- seniorcitizen@bajajallianz.co.in (for senior citizens)
- bagichelp@bajajallianz.co.in
FAQs on Bajaj Allianz Health Insurance
- Where can I access the list of hospitals covered by Bajaj Allianz Health Insurance?
You can access the network hospital list for Bajaj Allianz Health Insurance in the policy document provided by your insurer. Alternatively, you can also visit their official website to view the list of network hospitals in your city.
- How do I check the status of my Bajaj Allianz Health Insurance policy?
To check the status of your Bajaj Allianz Health Insurance policy, you can visit the insurer's website or contact the customer care team. If you purchased the policy through an agent, you could also reach out to them for information.
- What steps should I take if there is an error in my Bajaj Allianz Health Insurance policy document?
In case of any mistakes in your policy document, contact Bajaj Allianz Health Insurance customer care for rectification. You can also email the insurer to request corrections to the errors in the policy document.
- What does hospitalisation cover in Bajaj Allianz Health Insurance?
Hospitalisation coverage in Bajaj Allianz Health Insurance includes room rent, doctor's fees, nursing expenses, ICU charges, operation theatre expenses, diagnostics, and medicines.
- Within how many days should I file a claim with Bajaj Allianz Health Insurance?
Policyholders need to submit the claim form and necessary documents for reimbursement within 15 days from the date of discharge from the hospital.
- Is there a limit on the number of claims I can make in a year?
Policyholders can make multiple claims in a year, but the total claim amount cannot exceed the sum insured under the plan.
- Is a pre-medical test required for maternity coverage enrolment?
Yes, individuals above the age of 45 years may need to undergo a pre-medical test for maternity coverage.
- Does the maternity-based health insurance policy include health check-ups?
Yes, the maternity-based health insurance policy provides a free preventive health check-up every three years, irrespective of a claim.
- Is GST applicable to premiums for Bajaj Allianz Health Insurance plans?
Yes, GST at the rate of 18% is applicable to premiums paid for Bajaj Allianz Health Insurance plans.
- What distinguishes a rider from a top-up plan in Bajaj Allianz Health Insurance?
A rider or add-on is an extra benefit added to your basic health insurance policy, while a top-up plan is a separate policy covering hospitalisation expenses beyond a specified threshold, known as the deductible.
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