You need health cover regardless of what you take two at a time - pills or stairs.
  • BAJAJ ALLIANZ Health Insurance

     4.5 / 5.0   by 318 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Health Insurance
    • Claim up to Rs. 55,000 deduction under section 80D*
    • 10,000+ hospitals for cashless treatment
    • Insurers offer plans with no limit on room rent

    Bajaj Allianz is a joint venture between India-based Bajaj Finserv Limited and European financial services company Allianz SE. Bajaj Allianz meets the needs of their customers by offering a wide variety of insurance products, which include health insurance plans. By combining global expertise with local experience, the company provides clients with customized products and transparent benefits, catering to every segment and age-income profiles.


    Bajaj Allianz Health Insurance at a Glance

    01
    02
    03
    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 6 family members with up to 2 adults and 4 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    At the end of block of every continuous 4 claim free years, free medical checkup at the insurer's empanelled Diagnostic Centre

    * For a family health cover product.

    Critical Factors of the Plan

    01
    02
    03
    04
    Not a paisa goes from your own pocket!

    Co-Pay

    10% co-payment for non-netwrok hospitals, this non-network hospital copayment is waived off on payment of 10% of loading on premium.

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    No Sub-limits applicable on room rent

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Bajaj Allianz Health Insurance

    01
    02
    03
    Good health offers multiple rewards

    Family discount of 10% is applicable.

    The world is your healthcare oyster

    Cashless facility at over 5700+ empanelled hospitals across India.

    So you have time to focus on more important stuff

    Personal accident cover such as death,partial or total disability due to accident

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.


    Bajaj Allianz General Insurance Highlights Updated on 22 Oct 2018

    Features Specifications
    Network Hospitals 5700+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 70.41%
    Number of Policies Issued 473346
    Grievances Solved 97.50%
    Renewability Lifetime

    *For Year 2016-2017

    Overview of Bajaj Allianz Health Insurance:

    Bajaj Allianz General Insurance Company Limited is one of India’s most trusted and preferred insurance providers. The company is a joint venture between Bajaj Finserv Limited and Allianz SE, two companies that have garnered a solid reputation for domain expertise, professional business practices, stability, and foresight. In the very short duration that Bajaj Allianz Life Insurance has been a part of the health insurance scene in India, it has earned a wide consumer base alongside being a market leader and a much-preferred health insurance provider.

    Why Bajaj Allianz Health Insurance?

    Bajaj Allianz Health Insurance has one of the highest incurred claim ratios among private insurance providers in India. Health insurance policies provided by Bajaj Allianz gives you access to the best healthcare treatments and services possible while ensuring you are financially protected. The insurance company offers a wide range of health insurance products to protect its customers against increasing healthcare costs. Here are some reasons why you should choose Bajaj Allianz Health Insurance as your insurance provider:

    Bajaj Allianz Health Insurance Plans
    • The insurer provides customised health insurance policies to meet the varying needs of its customers, including policies that are specially catered towards individuals, families, senior citizens, personal accident covers, and women-specific health insurance policies.
    • Bajaj Allianz Health Insurance covers pre and post-hospitalisation expenses, room rent, cashless hospitalisation, ambulance fees, etc.
    • Get cashless treatment at more than 5,700 network hospitals.
    • Get tax deductions on premiums paid towards a health insurance plan under Section 80D of the Income Tax Act, 1961.
    • Bajaj Allianz Health Insurance understands the value of the customer's time and therefore, aims to settle claims in as short a duration as possible. On an average, a typical health insurance claim is settled within an hour.
    • Another key feature of this insurer is that customers get comprehensive health cover at competitive prices.
    • The insurer also has an in-house health administration team.
    • With Bajaj Allianz Health Insurance plans, you can get exclusive value-added services.
    • More than 1.4 lakh claims have been processed in FY2015-16.

      How health insurance can help you save on tax?:

    Assessee can get tax deduction on premiums paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961. The tax benefit is available to assessee on health insurance premiums paid for self, spouse, children, and dependent parents. Tax benefit can be availed on premiums paid towards all types of health insurance plans. Premium paid via cash is not eligible for tax deduction. Premium paid towards critical illness riders can also be used for tax deduction.

    • Tax deduction on premium paid for self, spouse, children, and parents can be availed up to Rs.25,000 per year, provided the age of the individual is below 60 years.
    • For premiums paid towards senior citizen health insurance plans where the individual is above 60 years of age, the maximum tax deduction is capped at Rs.30,000.
    • Therefore, you can avail up to Rs.55,000 tax deduction if you are below 60 years of age and your parents are above 60 years of age, and you pay the premium for both policies.
    • For policyholders who are above 60 years of age and are paying health insurance premium for themselves and their parents aged above 60 years, the tax benefit is capped at Rs.60,000.
    • Preventive health check-up costs can be used to get a tax benefit of up to Rs.5,000.

    Bajaj Allianz Health Insurance Company has designed a unique policy called the Tax Gain Plan which is a floater health plan that covers hospitalisation and OPD (outpatient) expenses while helping you with tax management as well. Features and benefits of the Tax Gain Plan includes:

    • Insurance coverage for ambulance fees in the case of an emergency for up to Rs.1,000.
    • 130 day-care procedures covered under the policy.
    • 10% co-payment of the claim payment if the treatment is sought in a non-network hospital. Co-pay can be waived for additional premium.
    • Free health checkup for a block of 4 claim-free policy years. Any one insured member can opt for this benefit.
    • The premium slab is the same for individuals aged between 18 to 55 years and 56 to 75 years.
    • No waiting period for OPD expense cover.
    • Dental treatment can be claimed under OPD expense cover.
    • No hassle of going through a Third-Party Administrator (TPA) for claim processing.

    Bajaj Allianz Health Insurance Renewal:

    Bajaj Allianz Health Insurance policies can be renewed online through the insurer's website. To renew your policy, select the ‘Renew Online’ option on the insurer’s website and select the name/type of the insurance policy you currently have. Post this, you can enter your mobile number, email ID, policy number, etc. and proceed to renew your policy in a hassle-free manner.

    Types of Health Insurance Policies Provided by Bajaj Allianz:

    The company’s health insurance plans portfolio includes the following products-

    1. Bajaj Allianz Health Guard Individual Policy

    2. Bajaj Allianz Health Guard Family Floater Option Plan

    3. Bajaj Allianz Silver Health Plan for Senior Citizens

    4. Bajaj Allianz Critical Illness for Women Plan

    5. Bajaj Allianz Personal Guard – Accident Health Insurance Policy

    6. Bajaj Allianz Global Personal Guard Policy

    7. Bajaj Allianz Critical Illness Plan

    8. Bajaj Allianz Extra Care Policy

    9. Bajaj Allianz Health Care Supreme Plan

    10. Bajaj Allianz Hospital Cash Daily Allowance Policy

    11. Bajaj Allianz Star Package Plan

    12. Bajaj Allianz Health Ensure Plan

    13. Bajaj Allianz Personal Accident Insurance Policy

    14. Bajaj Allianz Premium Personal Guard Plan

    15. Bajaj Allianz Extra Care

    16. Bajaj Allianz Tax Gain Plan

    Bajaj Allianz Individual Health Guard Plan::

    The Health Guard policy from Bajaj Allianz is available in two variants – the Silver Plan and the Gold Plan. This policy is designed to provide a cover against all your healthcare-related spends that might occur in the event of a hospitalisation, serious illness, accident, etc. Certain key features of this policy are listed in the table below.

    Entry Age
    • Adult: 18 to 65 years
    • Children: 3 months to 30 years
    Basis Individual / Family floater
    Cashless hospitalization 5700+ partner hospitals across India
    Policy Period 1 year, 2 years, or 3 years
    Sum Assured
    • Silver Plan: Rs.1.5 lakh or Rs.2 lakh
    • Gold Plan: Rs.3 lakh – Rs.50 lakh
    Discounts
    • Family discount: 10% - 15%, if 2 or more relatives are covered under a policy
    • Employee discount: 20%
    • Voluntary Co-Pay Discount: 10%/20%
    • Long-Term Policy Discount: 4% for 2-year policy tenure, 8% for 3-year policy tenure
    Pre and post hospitalization expenses Covers all mdical instances from 60 days prior to and 90 days after hospitalization.
    Cumulative bonus 10% for each claimless year
    Health check-up 3 continuous policy years
    Ambulance charges Up to a limit of Rs.20,000 per year
    Income tax benefit Under Section 80D of the Income Tax Act
    Free Look Period 15 days
    Grace period 30 days
    Renewal Life-time

    Bajaj Allianz Health Guard Family Floater Plan:

    Entry Age 18 to 65 years
    Pre and post hospitalization Covers all medical instances from 60 days prior to and 90 days after hospitalization.
    Cumulative bonus 10% for each claimless year, maximum up to 50% of insured sum
    Medical test Not mandatory for persons under the age of 45 years
    Pre-policy checkup The costs incurred will be reimbursed within 14 working days after the submission of all requisite documents.
    Free Health check-up End of 4 continuous claim free years, or reimbursement up to Rs.1000
    Day Care procedures 130 Day covered
    Ambulance charges In emergency cases, to a limit of Rs.1000.
    Cashless hospitalization 3700+ partner hospitals across India
    Income tax benefit Under Section 80D of the Income Tax Act
    Free Look Period 15 days- Did not like the policy? Cancel the policy within 15 days for a complete refund.
    Grace period 30 days
    Exclusions
    • In the case of pre-existing diseases, a waiting period of 4 years will apply.
    • Illness, injury or diseases contracted within 30 days from the commencement of the policy won’t be covered.
    • Treatments consisting of non-allopathic medicine will not be covered.
    • Certain diseases require a waiting period of 2 years before coverage, including hernia, piles, cataract and sinusitis.
    • Coverage will not be extended for the following- Cosmetic, aesthetic or related treatments, treatments for use of intoxicating and/or addictive substances like alcohol, drugs etc.
    • Joint replacement surgery that isn’t caused by an accident requires a waiting period of 4 years.
    • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years.

    Bajaj Allianz Surgical Protection Plan:

    Sum insured Rs.1 lakh- 10 lakh
    cashless hospitalization 3700+ partner hospitals across India
    Complete coverage 600+ surgeries, with guaranteed benefit amount
    Free Look Period 15 days(Cancel the policy within 15 days for a complete refund)
    Grace period 30 days for every subsequent instance of policy renewal
    Income tax benefit Section 80D of the Income Tax Act
    Medical test Not mandatory for persons under the age of 45 years.
    Additional covers
    Hospital Cash Daily Allowance
    24 hours hospitalisation Rs.1500/per day is allocated.
    Maximum period 30 days
    In case of admission in ICU The benefit payable would be double, i.e., Rs.3000/day, ax for 15 days
    Exclusions Use of intoxicant substances like drugs and/or alcohol, War or act of war, nuclear, chemical or biological weapon and radiation of any kind, Non-allopathic treatment, Cosmetic or aesthetic treatments, self-injury, Fertility, sub fertility, impotence, assisted conception operation or sterilization procedures and treatments related to weight reduction programs
    Critical Illness
    Comprehensive cover 15 critical illnesses
    Survival Period 30 days
    Coverage Limit Rs.1 Lakh
    Exclusions Preexisting illness, critical illness diagnosed within first 90 days from commencement of the policy, AIDS and related conditions
    Personal Accident
    Sum insured Covers 100%, amounting to Rs.500000.
    Compensation 125% of sum insured amounting to Rs.625000(If Permanent Total Disability i)
    Benefits for Children For up to 2 dependent children,Children Education benefit of Rs.5000. Transportation benefits up to Rs.5000.
    Exclusions Suicide, attempted suicide or self-inflicted injury, breach of law with criminal intent, while engaging in dangerous sports activities and consequential losses of any kind or your actual or alleged legal liability.

    Bajaj Allianz Premium Personal Guard Policy:

    A robust health insurance policy, the Premium Personal Guard covers the insured against bodily injury or death caused due to accident and offers high sum assured ranging from Rs.10-25 lakh.

    Cashless hospitalization 3700+ partner hospitals across India
    Entry Age 18 to 65 years, For Children 5-21 years
    Cumulative bonus 10% for each claimless year, maximum up to 50% of insured sum
    Medical test Not mandatory for persons under the age of 45 years.
    Income tax benefit As per Section 80D of the Income Tax Act
    Free Look Period 15 days(Cancel the policy within 15 days for a complete refund)
    Grace period 30 days for every subsequent instance of policy renewal
    Renewal Lifetime
    Exclusions
    • Suicide, attempted suicide or self-inflicted injuries and illness.
    • Injury sustained under the influence of alcohol and/or drugs.
    • Injury sustained while indulging in anti-social or criminal activity.
    • Participating in a wide range of dangerous sports.
    • Curative treatments and interventions carried out on your body.
    • Participation in any naval, military or air force operations leading to injury or illness.
    • Your consequential losses of any kind or your actual or alleged legal liability.
    • Acquired Immune Deficiency Syndrome (AIDS) and related sexually transmitted ailments.
    • Pregnancy, childbirth, miscarriage, abortion, or complications arising out of any of these.
    • Wartime conditions, nuclear energy, radiation etc.

    Bajaj Allianz Health Insurance Extra Care:

    The Extra Care Health Insurance Policy from Bajaj Allianz will help you to extend the coverage provided by the base policy, during times when you require prolonged hospitalization.

    Entry Age 3 months to 70 years
    Renewal Lifetime
    Pre and post hospitalization expenses Covers from 60 days prior to and 90 days after hospitalization
    Premium Charges Starts at Rs. 2500
    Medical test Not mandatory for persons under the age of 55 years.
    Free Look Period 15 days(Cancel the policy within 15 days for a complete refund)
    Grace period 30 days for every subsequent instance of policy renewal
    Exclusions
    • In the case of pre-existing diseases, a waiting period of 4 years will apply.
    • Illness, injury or diseases contracted within 30 days from the commencement of the policy won’t be covered.
    • Treatments consisting of non-allopathic medicine will not be covered.
    • Certain diseases require a waiting period of 2 years before coverage, including hernia, piles, cataract and sinusitis.
    • Coverage will not be extended for the following- Cosmetic, aesthetic or related treatments, treatments for use of intoxicating and/or addictive substances like alcohol, drugs etc.
    • Joint replacement surgery that isn’t caused by an accident requires a waiting period of 4 years.
    • Fertility procedures, impotence related, assisted conception operation or sterilization procedures.

    Bajaj Allianz Health Insurance Critical Illness Plan:

    This policy will help you insure yourself against the risk of critical illnesses, just like you would insure your car or house. The policy provides a cover against 10 major critical illnesses.

    Entry Age 6 to 65 years
    Sum insured Rs.1 lakh to Rs.50 lakh for individuals between 6 years to 60 years Rs.1 lakh to Rs.5 lakh for individuals between 61 years to 65 years
    Illness Covered Cancer, Coronary Artery Bypass Surgery, First Heart Attack (Myocardial Infarction), Kidney Failure, Major Organ Transplant, Stroke, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Symptoms of primary pulmonary hypertension, Multiple Sclerosis, Paralysis of the limbs.
    Exclusions
    • Critical Illness at the time of conception of the policy or diagnosed within 90 days from the start of the policy tenure.
    • Death within 30 days from the point of diagnosis of the critical illness.
    • Participation in any naval, military or air force operations leading to injury or illness.
    • Your consequential losses of any kind or your actual or alleged legal liability.
    • Acquired Immune Deficiency Syndrome (AIDS) and related sexually transmitted ailments.
    • Pregnancy, childbirth, miscarriage, abortion, or complications arising out of any of these.
    • Wartime conditions, nuclear energy, radiation etc.
    • *Note: This is not an exhaustive list of exclusions.

    Bajaj Allianz Extra Care Plus Policy:

    The Extra Care Plus Policy is purchased as a top-up to a regular health insurance cover offered by Bajaj Allianz. Thus, if the sum insured of the base policy is exhausted, this top-up policy will provide you additional coverage. A few important features of this add-on policy are listed below.

    Entry Age

    91 days - 80 years

    Renewability

    Lifetime renewability option is provided to policyholders

    Coverage

    • In-patient hospitalisation
    • Cover against pre- and post-hospitalisation for a period of 60 days and 90 days, respectively
    • Organ donor expenses
    • Ambulance charges
    • Day-care treatments

    Benefits

    • This policy is available on a floater basis
    • Cashless treatment can be undertaken in over 5,700 hospitals
    • Aggregate deductible options are available
    • Free-look period of 15 days is provided
    • Policyholders can avail free health check-ups
    • Policyholders can avail tax benefits under Section 80D of the Income Tax Act, 1961

    Medical Screening

    Required for individuals over the age of 55 years

    Bajaj Allianz Health Care Supreme Plan:

    The Health Care Supreme Plan from Bajaj Allianz will provide both you and your family a comprehensive cover against various medical needs, with a high sum insured and a wide coverage. Thus, this policy can help you save on expenses that you may otherwise have to incur in the event of a medical emergency. The benefits and features of this policy are mentioned in the table below.

     

    Entry Age

    • Adults (proposer, parents, or spouse): 18 years - lifetime
    • Children: 3 months - 25 years

    Plan Basis

    Individual, Family Floater, and Group

    Sum Insured

    Rs.5 lakh - Rs.50 lakh

    Renewability

    Lifetime renewability feature

    Coverage

    • In-patient hospitalisation expenses
    • Pre- and post-hospitalisation expenses
    • Road ambulance fees
    • Air ambulance charges
    • Day-care procedures
    • Outpatient expenses
    • Organ donor expenses
    • Recovery benefit
    • Physiotherapy expenses
    • Sum insured reinstatement
    • Homeopathic and Ayurvedic treatment
    • Maternity and Newborn Baby Cover

    Benefits

    • Free annual health check-up facility is provided
    • Add-on covers can be purchased by the policy buyer
    • Income tax benefits can be availed on the premiums paid

    Medical Screening

    No medical tests are required for policy buyers up to the age of 45 years

    Bajaj Allianz Hospital Cash Daily Allowance Policy:

    Most health insurance policies cover medical expenses incurred by the policyholder during hospitalisation. However, certain other incidental expenses remain uncovered. The Hospital Cash Daily Allowance Policy provides the insured individual a certain sum of money on an everyday basis to help him/her take care of any expenses that may arise. The key features of this policy are mentioned in the table below.

     

    Age at Entry

    • Proposer: 18 years to 65 years
    • Children: 3 months to 21 years

    Renewability

    Lifetime

    Sum Insured

    • Rs.500 per day
    • Rs.1,000 per day
    • Rs.2,000 per day
    • Rs.2,500 per day

    Policy Tenure

    Yearly renewable

    Coverage

    • The sum insured benefit will be paid every day of the hospitalisation period
    • In case of an ICU admission, the benefit paid is double

    Benefits

    • Policyholders can avail tax rebates under Section 80D of the Income Tax Act, 1961
    • If 2 family members or more are enrolled under the same policy, a 5% discount will be provided

    Bajaj Allianz Star Package Plan:

    The Star Package Plan is a one-of-a-kind health insurance policy that in addition to providing a comprehensive risk cover also provides a range of other benefits. This policy is available on a family floater basis. The key features of this policy are mentioned in the table below.

     

    Age at Entry

    • Adults: 18 - 65 years
    • Children: 3 months - 25 years

    Renewability

    Lifetime renewability

    Policy Tenure

    1, 2, or 3 years

    Medical Screening

    Mandatory medical screening for individuals over the age of 46 years

    Individuals under 45 years but with pre-existing illnesses might have to undergo a medical test

    Coverage

    • Section I: Hospital Cash
    • Section II: Health Guard
    • Section III: Critical Illnesses
    • Section IV: Personal Accidents
    • Section V: Education Grant
    • Section VI: Householders Contents
    • Section VII: Travelling Baggage
    • Section VIII: Public Liability

    All policy buyers must opt for a minimum of 3 sections

    Benefits

    • Policy buyers can avail discounts upon opting for certain Sections of the policy or upon choosing a long policy tenure
    • The policy comes with a 15-day free-look period
    • Tax exemptions can be availed
    • Sum insured can be enhanced at the time of policy renewal
    • The insurer provides a grace period of 30 days

    Bajaj Allianz Health Ensure Plan:

    The Health Ensure Plan from Bajaj Allianz is available on both an individual and a family floater basis. This policy provides a comprehensive health cover to the proposer and his/her family at a competitive premium rate. Some of the key features of this plan are mentioned in the table below.

    Age at Entry

    • Adults: 18 - lifetime
    • Children: 3 months - 30 years

    Sum Insured

    • Individual policy: Rs.50,000 - Rs.10 lakh
    • Family Floater policy:Rs.2 lakh - Rs.10 lakh

    Plan Basis

    Individual/Family Floater

    Policy Tenure

    1, 2, or 3 years

    Medical Screening

    Medical screening is required for policy buyers over the age of 50 years

    Coverage

    • In-patient hospitalisation expenses
    • Pre- and post-hospitalisation expenses
    • Pre-existing diseases after 2 years
    • Ambulance cover
    • Day-care procedures
    • Homeopathic and Ayurvedic hospitalisation cover
    • Organ transplant

    Benefits

    • Cumulative bonus of 5% is provided for each claim-free year
    • Free health check-up can be availed
    • Income tax benefits can be availed

    Bajaj Allianz Personal Accident Insurance Policy:

    The Personal Accident Insurance Policy from Bajaj Allianz provides a risk cover to the insured and his/her dependents against the financial repercussions of the one’s death or accidental disability. The policy is offered with 3 coverage options. Policyholders can also choose to purchase other add-ons.

     

    Age at Entry

    • Adults: 18 - 65 years
    • Children: 5 - 21 years

    Plan Basis

    Individual plan, wherein the cover can be extended to self, spouse, and dependent children

    Policy Tenure

    Annual policy

    Coverage

    • Death
    • Permanent Disability (Partial/Total)
    • Transportation of the insured’s mortal remains
    • Children’s Education Benefit
    • Hospital Confinement Allowance
    • Medical Expenses in the event of an accidental injury

    Benefits

    • A cumulative bonus of 10% is provided for each claim-free year
    • All policy buyers are provided a 15-day free-look period
    • Tax benefits can be availed for premiums paid towards this policy

    Bajaj Allianz Silver Health Plan for Senior Citizens:

    This is that has been designed specifically for senior citizens. It offers the option to opt for up to 20% co-pay or a cashless policy.

    Entry Age 46 years and 70 year
    Renewal Lifetime
    Day care procedures 130 days covered
    Waiting period 2 years
    Covers Pre and post hospitalisation expenses

    Bajaj Allianz Critical Illness for Women Plan:

    This Critical Illness Insurance Plan from Bajaj Allianz is especially catered towards women. This policy covers up to 8 critical illnesses and congenital disability, and also provides certain additional benefits along with the policy.

    Entry Age

    21 - 65 years

    Sum Insured

    Rs.50,000 - Rs.2 lakh

    Coverage

    • Critical illness cover against breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer, vaginal cancer, permanent paralysis of limbs, multi-trauma, and burns
    • Congenital disability benefit for specific congenital diseases
    • In-built Children Education Bonus and Loss of Job Benefit

    Bajaj Allianz Personal Guard – Accident Health Insurance Policy:

    The Personal Guard - Accident Health Insurance Policy provides a cover against accidental death and disability due to an accident. The policy also offers add-on covers to policy buyers, which can be purchased for an additional premium.

    Entry Age

    Adults: 18 - 65 years

    Children: 5-21 years

    Cumulative bonus

    10% for each claim-free year, maximum up to 50% of insured sum

    Income tax benefit

    As per Section 80D of the Income Tax Act, 1961

    Free Look Period

    15 days

    Grace period

    30 days for every subsequent instance of policy renewal

    Renewal

    Lifetime renewability is offered to policy buyers

    Coverage

    • Accidental death
    • Permanent Total Disability
    • Permanent Partial Disability
    • Temporary Total Disability
    • Transportation of  Mortal Remains
    • Children’s Education Bonus
    • Hospital Confinement Allowance
    • Medical Expenses as a result of Accidental Injury

     

    Bajaj Allianz Global Personal Guard Policy (Individual):

    The Global Personal Guard Policy from Bajaj Allianz provides a comprehensive cover against death and permanent disability (both total and partial). Also, along with this policy the insured member can purchase up to 12 optional covers. The main features and benefits of this plan are listed in the table below.

    Entry Age

    Adults: 18 - 70 years

    Children: 3 months - 25 years

    Policy Tenure

    1 year, 2 years, and 3 years

    Income tax benefit

    As per Section 80D of the Income Tax Act, 1961

    Free Look Period

    15 days

    Grace period

    30 days for every subsequent instance of policy renewal

    Renewal

    Lifetime renewability is offered to policy buyers

    Coverage

    • Base Cover:
    • Death
    • Permanent Total Disability
    • Permanent Partial Disability
    • Optional Covers:
    • Accidental Hospitalisation Expenses
    • Air Ambulance Cover
    • Adventure Sports Benefit
    • Children Education Benefit
    • EMI Payment Cover
    • Coma due to Accidental Bodily Injury
    • Fracture Care
    • Loan Protector Cover
    • Hospital Cash Benefit
    • Loss of Income due to Disability from Accident
    • Travel Expenses Benefit
    • Road Ambulance Cover

    Bajaj Allianz Tax Gain Plan:

    Bajaj Allianz Tax Gain Plan is a unique scheme that Bajaj Allianz has introduced to save tax and gain OPD benefits at the same time. This unique product is loaded with benefits and is a Family floater health policy which covers both hospitalization expenses and outpatient (OPD) expenses under one policy.

    Entry Age
    • Adults: 18 – 75 years
    • Plan A, B, and C: 18 – 55 years
    • Plans D: 56 – 75 years
    Basis Family floater(Self & Spouse)
    Covers Pre and post hospitalisation expenses, OPD expenses
    Tax benefit under section 80 D of IT Act
    Free Health check-up Available for every 4 claim free policy periods at designated Bajaj Allianz Empanelled.
    Renewal Policy Once four years continuous renewal is completed with Bajaj Allianz, all pre-existing diseases will be covered under the scheme.
    Cashless facility over 5000 hospitals across the country.
    Ambulance charges Up to Rs. 1000/- will be covered in this scheme.

    Bajaj Allianz Health Insurance Network Hospitals:

    Policyholders of Bajaj Allianz Health Insurance Policies can avail cashless treatment at over 5,700 network hospitals across the country. In the time of need, customers will be relieve to have their financial burden reduced. Keeping this in mind, Bajaj Allianz has partnered with a number of hospitals to provide excellent healthcare services to its customers. To locate a network hospital in your place of residence, select your state and city from the drop-down box on the online Network Hospital Locator. You will immediately get a list of network hospitals with contact details.

    Find cashless network hospitals nearby: BAJAJ Allianz Health Insurance Network Hospitals

    How to File a Claim With Bajaj Allianz?

    Cashless Claim: Visit a network hospital of the insurer to avail cashless treatment. Intimate the insurer within 24 hours of an emergency hospitalisation and in the case of a planned hospitalisation, 48 hours prior to your hospitalisation.

    • Display your health card at the network hospital help desk. The hospital will verify your details and submit a duly-filled and signed pre-authorisation request form to the insurance company or it’s Third-Party Administrator (TPA) via fax.
    • Bajaj Allianz will verify the pre-authorisation request and send an approval letter to the hospital.
    • The hospital will proceed with the cashless treatment for the insured member without any deposit until discharge.
    • If the cashless claim is denied, the insured member can get treated and file for a reimbursement claim after discharge.

    Reimbursement Claim: After discharge from the hospital, collect the hospital bills, discharge summary, and other medical documents from the hospital.

    • Submit the reimbursement claim form to the insurer along with the original medical documents such as discharge summary, medical reports, hospital bills, pharmacy bills, prescriptions, etc.
    • An approval letter will be sent to the insured after thorough verification of the submitted documents.
    • If additional documents are required, the insurance company will ask for it. Claim will be closed without payment after 45 days for not submitting relevants documents and the claim closure will be sent to the insured.
    • The claim amount will be sent through cheque or ECS to the insured member after approval.

    Bajaj Allianz Health Insurance Customer Care:

    For policy-related queries, call the insurer on their dedicated toll-free number or email the insurer. You can also locate the nearest Bajaj Allianz branch using the Branch Locator feature on the insurer's website. For policy-related queries, you can chat with an insurance agent via their chat bot BOING on the Bajaj Allianz website. You can also check the list of network hospitals online through the Bajaj Allianz website by entering the state, city, and hospital type or name.

    Bajaj Allianz Health Insurance FAQs:

    1. What is the difference between health insurance and life insurance?

      Life insurance involves providing monetary support to a deceased insured’s family. Also, under certain plans, the policy holder gets a payout on survival till the maturity of the policy. Health insurance, on the other hand, covers expenses in case of hospitalization for treatment of health issues suffered by the customer. The customer doesn’t get any payout at maturity of the policy. Also, health insurance policies have to be renewed annually.

    2. I already have an employer-sponsored health cover. Should I get my own policy?

      Private policies are important as job sponsored policies tend to lack continuity. If you change jobs, you will be exposed to risk during the transition period, and there’s the chance that your new employer won’t provide health insurance coverage. Also, as you switch jobs, your insurer will most likely change, and whatever track record you had built will be lost, if in case health insurance portability in not an option.

      Employer sponsored covers offer limited coverage, while having your own policy allows you to cover not only yourself but your family as well. Also, riders can be opted for to enhance protection if employee group schemes do not provide comprehensive coverage.

    3. What is the importance of a pre-policy medical checkup?

      For all customers above 45 years (lower limit may change depending on provider and plan) medical checkups are important to gauge the previous health issues suffered by customers so that they are provided coverage accordingly, implying that they may have to pay more premium when suffering some pre-existing diseases. For policy renewals medical checks are generally not required.

    4. What is the general term for health insurance policies?

      In general, health insurance policies are provided for 1 year time period (including Bajaj Allianz), though some policies also come with longer tenure options.

    5. What do you mean by coverage amount or sum insured?

      The sum insured is the maximum amount of money that the health insurance provider is liable to pay. Thus, in most cases, anything over the sum insured limit will have to be borne by the policyholder. Premiums will vary according to sum insured.

    6. What if family members are staying in different places and want to be covered under the same policy?

      Health insurance policies are applicable throughout India. In general, it is advisable to get insured in a place where there are network hospitals of the provider. This helps in getting cashless treatments at designated facilities. In case there are no network hospitals in your area, reimbursements are provided in due time.

    7. Are MRI, X-ray and other diagnostic charges covered by health insurance policies from Bajaj Allianz?

      All types of diagnostic tests are covered under your health insurance policy, as long as the costs are related to hospitalization of not less than 1 night. OPD prescribed diagnostic tests are usually not covered.

    8. What is Cashless Hospitalization?

      Cashless Hospitalization refers to the cashless settlement of hospitalization expenses. The settlements are done by authorized Third Party Administrators (TPA). Prior approvals are a must, except for cases of emergency where post approvals can be done. Thus, if you undergo cashless treatment at a hospital, you will have to bear minimum out-of-pocket expenses.

      The settlements are done by authorized Third Party Administrators (TPA). Prior approvals are a must, except for cases of emergency where post approvals can be done.

    9. Is there a limit on number of health insurance policies for an individual?

      There is no limit on the number of health insurance policies a person can take out. An individual may have two health insurance policies from different providers, and in case of hospitalization the overall costs will be split between them.

    10. Is it possible to avail health insurance from Bajaj Allianz if I am not an Indian citizen but am staying in the country?

      Yes, foreigners are allowed to avail health insurance policies from Bajaj Allianz with coverage limited to India, unless otherwise mentioned in the policy.

    11. What is Bajaj Allianz Health CDC?

      Health CDC is an app feature in Bajaj Allianz Insurance Wallet App through which policyholders can make claim requests up to Rs.20,000. As the whole process is paperless, it saves the customer money and effort while receiving regular updates of the claim status.

    12. What is the toll free number of Bajaj Allianz Health Insurance?

      The insurer’s toll-free numbers can be viewed on the Bajaj Allianz website.

      What is Bajaj Allianz Health Insurance Top Up?

      Bajaj Allianz offers a health insurance top up plan called the Health Extra Care Plus Policy. It serves as an additional cover to the base health insurance policy.

    13. How to claim Bajaj Allianz Health Insurance?

      Health insurance claims can be registered online through the Bajaj Allianz website. To register your claim on the phone, the policyholder/nominee will have to call the toll-free number of the insurer. Claim forms can be downloaded from the Bajaj Allianz website.

        • For cashless claims:
          • Insured member has to display his or health card at the network hospital desk for cashless treatment.
          • The network hospital will verify the identification of the insured member and submit a pre-authorisation request form to the insurer.
          • Bajaj Allianz will verify the details and approve or reject the request.
          • Upon receiving approval, the network hospital will provide cashless treatment to the insured member.
          • Upon rejection, the network hospital will provide cash-paying treatment to the insured member. The customer can file reimbursement claim.
        • For reimbursement claims:
          • Intimate the insurer within 24 hours of hospitalisation.
          • After discharge, submit all the original medical documents such as discharge summary, prescription, doctor's reports, pharmacy bills, hospital bills, etc. along with the duly-filled claim form to the insurer.
          • The insurer will verify the furnished documents and approve or reject the claim accordingly.
    14. How to renew Bajaj Allianz Health Insurance online?

      You will have to make sure to renew your health insurance policy before the expiry date. Failing to do can cause your policy to lapse. Bajaj Allianz Health Insurance policies can be renewed online through the insurer’s website or offline by paying cash at the nearest branch office. For online method, renewal payment can be made using net banking, credit card, or debit card.

    Examples of Network Hospitals in Major Cities

    CITY NAME OF HOSPITAL
    DELHI AMAR LEELA HOSPITAL (P) LTD
    MUMBAI GODREJ MEMORIAL HOSPITAL
    KOLKATA PEERLESS HOSPITAL AND B. K. ROY RESEARCH CENTRE
    BANGALORE SWATHI NURSING HOME
    CHENNAI SANKARA NETHRALAYA (A UNIT OF MEDICAL RESEARCH FOUNDATION)

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    News About Bajaj Allianz Health Insurance

    • Bajaj Allianz launches an All Women Branch initiative on the occasion of Women’s Day

      On the occasion of Women’s Day, Bajaj Allianz GIC announced that it had created an All Women Branch initiative in an attempt to change the perception that insurance industry is not a popular services employer. This initiative is said to have carved women entrepreneurs, trained them, and groomed them to create specific skill set required to work in the insurance industry. Unlike other distribution models, the AWB model of Bajaj Allianz was introduced in 2014 and implemented in 2015. At present, the company boasts of a network of 31 branches in metros as well as tier-2 cities. There are 1,300 women agents working in these branches with 200 female employees employed with BAGIC.

      Bajaj Allianz intends to expand this initiative to 50 offices by 2018-19 throughout India. Under this initiative, AWB branches are run by women, who recruit and train women for sale of insurance products. Some women have contributed more than Rs.50 lakh of business this year. According to Bajaj, this initiative has been introduced to tap into the large pool of talented women who were unable to work owing to time and family constraints. The company also said that it believes that women tend to bring in sustainable and long-term viable business, mostly in the terms of personal, health, and home insurance.

      9th March 2017

    • Bajaj Allianz launches app for health insurance claims

      Bajaj Allianz, one of the leading insurance companies in India has announced paperless app to expedite the settlement of health insurance claims. Reimbursement claims up to Rs.20,000 will be cleared within two days depending on the authenticity of information uploaded through the mobile application. At present, claims are processed after verification of documents submitted by the insured in hardcopy, and the entire process takes up to 10 days. The app also provides the option for primary intimation at the time of hospitalization. The app is available for download on play store.

      17th January 2017

    • Poll survey states most people buy health insurance for tax benefits

      A recent survey conducted by Bajaj Allianz revealed that most people who own a health insurance policy do so for the tax benefits arising from it. 76% of the respondents who had a policy claimed that they were attracted by the tax benefits while the rest purchased it for the financial protection offered. A majority of them had policies provided by their employer, while only one in three had a personal health insurance plan.

      15th February 2016

    • Bajaj Allianz GI unveils ‘Health Guard’ Plan

      India’s leading private non-life insurer, Bajaj Allianz General Insurance recently launched a revamped and comprehensive health insurance policy called the Health Guard which comes with a term extending up to 3 years. moving away from it’s predecessor, the new Health Guard Policy offers cover to a large number of people present under a single family such as parents, sister, brother, grandchildren, parents-in-law, aunt and uncle. Speaking on the event of the launch, Mr. Abhijeet Ghosh, Head of Bajaj Allianz General Insurance head-health insurance mentioned that this comprehensive health insurance policy will provide enhanced coverage at a very affordable price not only to an individual but also their extended family, catering to a wide range of medical conditions which one commonly faces or is at the risk of facing.

      The policy also reinstates the sum assured amount for the same disease within the plan term and offers a number of unique added advantages such as convalescence benefit. Under this benefit, the insured is provided with a lump sum amount to cover the cost of essentials such as support equipment, nutritional supplements, etc. that are necessary when the patient is admitted for a duration of 10 days or beyond. Additionally, this policy will also offer a range of other covers like hospitalization expenses cover, cover for preventive health check-ups, daily cash benefit for accompanying an insured minor, organ donor expenses, road ambulance cover, maternity and newborn baby coverage.

      13th January 2017

    • Awareness on Insurance through 20-day Campaign for Sabarimala Pilgrims

      BAJAJ Allianz General Insurance now offers a special policy for Sabarimala Pilgrims. The new policy is launched in partner with Dhanlaxmi Bank along with a 20-day campaign for pilgrims in Kerala. The campaign is on from 3 December to 23 December with on-the-spot cover for personal accident policies for just Rs 225.

      You get a cover of up to Rs. 2.5 lakh in case of death due to accident and Rs 20,000 for costs incurred in case of any hospitalisation due to an accident. Lalitha Raman, Zonal Manager-South, Bajaj Allianz General Insurance said the new scheme is just a starting step towards increasing awareness of having an insurance, especially awareness on health insurance is still in the nascent stages among the public. She further added that this gives them an easy route to reach a huge public.

      The insurance campaign will make its reach available in the form of a canter vehicle which will cover various cities in Kerala and would give on-the-spot Bajaj Allianz personal accident policies to the pilgrims. They would further have street plays to help realize the people the importance of having a health insurance policy.

      10th December 2014

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    BAJAJ ALLIANZ Health Insurance Reviews

  • Page 1 of 16 1 2 3 4 5
    • Bajaj Allianz Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Bajaj Allianz Am satisfied with the premium amount which am making the payment , i don't have claim experience . But this policy hold benefits of cashless hospitalization and network of hospital with coverage of Rs 3 lakhs Their customer explained the policy very well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 15, 2018
    • Bajaj Allianz Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance policy with Bajaj Allianz from last 1 year, i am not aware of the premium amount as my company pays it. I have not claimed anything so far with this insurance and the coverage amount of Rs 70000 is very less for family coverage.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 11, 2018
    • Bajaj Allianz Health Insurance
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I had taken this Health Insurance policy almost three years back and i had been paying the premium annually and the premium amount has been around 500. I had been making the premiums online and it has been easy in making the payments. Their customer support also had been good as well where they had been helpful at times.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 09, 2018
    • Bajaj Allianz Health Insurance
      "CONVENIENT"
      0.5 5.0/5 "Blown Away!"
      I had a claim experience with the BAJAJ ALLIANZ GENERAL INSURANCE. I have used this insurance is for 7 years which is cashless. It gives the coverage for my entire family. I had a claim for 1.5 lakhs and the medical coverage is for 3lakhs.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 08, 2018
    • Bajaj Allianz Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      From Baja allianz health insurance i have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospitals . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 06, 2018
    • Bajaj Allianz Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this Health Insurance Policy almost two years back and it is going well so far. There has not been any claims made so far but there has been many hospitals covered in my locality. They also had been having the cashless treatment. I had been paying the premiums annually and the premium amount has not been too high.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 06, 2018
    • Bajaj Allianz Health Insurance
      "Worst service"
      0.5 0.5/5 "Unacceptable"
      Paid amount of Rs. 10461 for Transaction Reference No 5583542 has been received by Bajaj Allianz on August 8th. Still insurance not confirmed. Not happy with the policy. Check in your database so many tickets raised but no use. Whats this bad. worst service. Don't know the other words to say it's worst worst. Suggesting that don't take Bajaj Health policy.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Sep 28, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a Family Floater Health insurance policy from the Bajaj Allianz. I am paying a premium of 16000 per year. It covers the entire family and so far there hasn't been any issues with their services.
      Was this review helpful? 0
      , thane
      Reviewed on Sep 26, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a company provided health insurance policy with Bajaj Allianz from last 4 months. It is a family policy where the coverage value is up to Rs 5 lacs for this insurance. I have not claimed anything so far from this health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 05, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with Bajaj Allianz from last 3-4 years, i am not aware of the premium amount as my company pays it. I am not aware of the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 30, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 4000 and the coverage value of this insurance policy is 3 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Bajaj Allianz from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 7000 has to be paid for this insurance and it is covered up to Rs 4 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 09, 2018
    • Bajaj Allianz Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Bajaj Allianz from last 2 years, i am happy with the coverage value of this insurance policy. They cover up to Rs 5 lakhs for this insurance. My claim experience was good and they covered 40% of the billed amount and it was a cashless treatment.
      Was this review helpful? 1
      , pune
      Reviewed on Aug 09, 2018
    • Bajaj Allianz Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Bajaj Allianz from last 3 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. Premium is paid by the company which i work for and the coverage value is Rs 2 lakhs.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Jul 23, 2018
    • Bajaj Allianz Health Insurance
      "Useful Service"
      0.5 4.0/5 "Great!"
      I've an employer provided insurance policy with the Bajaj Allainz. The company is paying the premium, I do have a claim experience with the policy where I claimed 100% amount needed for the treatment. It was a cashless treatment and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bajaj Allianz. Their service is very good. I have raised almost three claims and the processed those claims with out any delays. Everything was smooth and hassle free. I am really impressed with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Health insurance policy from Bajaj Allianz for a while now. The Experience is good, don't have any claim experience. I pay a premium of 8000 Per year. I never had any claim experience with the policy so far. When considering the features it is a good policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 3 years and it is a good policy to use. I paid an one time payment for Rs 6000 for this insurance policy. I have not claimed anything so far from this insurance policy and i have a coverage value of Rs 1 lakh for this insurance.
      Was this review helpful? 0
      , ratlam
      Reviewed on Jul 06, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the Bajaj Allianz Insurance company. I pay a premium of 11000 per year for the entire family for four members. I started paying 8000, the premium was increased as per age. I Do not have any claim experience . I'll have to wait and see how they respond to my requirements in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 26, 2018
    • Bajaj Allianz Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I have been using since 2 years. The premium is i do through the cheque. Premium is normal when compared to the others. There is a free medical checkup in my policy but i have not used it. I had a no claim experience so far. Diastase coverage is there.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2018
    Common Loader Icon
    Page 1 of 16 1 2 3 4 5

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.