Bajaj Allianz Health Insurance Plans 2026 – Benefits, Premium & Reviews
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.
Health Insurance Plans Tailored for You
1. Health Guard – Comprehensive coverage for individuals and families against illness or injury.
- Inpatient, pre & post-hospitalisation, day-care, ambulance, organ donor, convalescence, daily cash, health check-ups, bariatric surgery, AYUSH treatments
- Maternity, newborn cover, super cumulative bonus & recharge benefit (Gold & Platinum plans only)
2. Health Infinity – Unlimited coverage with competitive premiums for individuals.
- Inpatient, pre & post-hospitalisation, ambulance, day-care & health check-ups
3. Arogya Sanjeevani – Financial protection during hospitalisation for individuals & families.
- Inpatient, pre & post-hospitalisation, day-care, AYUSH, cataract treatment & ambulance
4. Critical Illness – Lump sum payout on diagnosis of life-threatening conditions.
- Covers heart attack, cancer, stroke, CABG, multiple sclerosis, aorta surgery, paralysis, kidney failure & organ transplantation
5. Criti Care – Coverage for 43 critical illnesses with lifetime renewability.
- Cancer, cardiovascular, kidney, neurological, transplants & sensory organ conditions
6. Global Personal Guard – Accidental injury, death & disability coverage.
- Hospital cash, air ambulance, coma cover, fracture care, EMI cover & children's education benefit
7. Extra Care – Top-up cover for existing hospitalisation policies.
- Inpatient, pre & post-hospitalisation, ambulance & advanced treatments
8. Extra Care Plus – Enhanced top-up with broader coverage.
- Inpatient, pre & post-hospitalisation, day-care, maternity, organ donor & free health check-up
9. M-Care – Lump-sum benefit for vector-borne diseases.
- Dengue, malaria, filariasis, Kala Azar, chikungunya, Japanese encephalitis & Zika virus
What Does the Policy Cover?
- Inpatient Hospitalisation: Covers medical treatment expenses for illnesses, accidents, or injuries during hospital stays.
- Pre & Post-Hospitalisation: Covers related expenses up to 60 days before and 90 days after hospitalisation.
- Organ Donor Expenses: Covers surgeries and medical procedures related to organ donation.
- Day-care Procedures: Covers minor medical procedures that don't require prolonged hospital stays.
- Ambulance Charges: Covers ambulance costs incurred while travelling to or from the hospital.
- Convalescence Benefit: Annual payout of Rs. 5,000 for continuous hospitalisation of ten days or more.
- Ayurvedic & Homeopathic Expenses: Covers alternative therapy treatments including Ayurvedic and Homeopathic care.
- Maternity & Newborn Cover: Covers maternity expenses and newborn baby medical costs, subject to terms and conditions.
- Daily Cash Benefit: Covers accommodation costs for a person accompanying you during hospitalisation.
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 Policy Hassle-Free?
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 – Notify: Inform Bajaj Allianz via email or toll-free number 1800-209-5858.
- Emergency hospitalisation: Notify within 24 hours of admission
- Planned hospitalisation: Notify at least 48 hours before admission
Step 2 – Identity Verification: The hospital verifies your identity using your policy copy and photo ID.
Step 3 – Pre-authorisation: The hospital submits the pre-authorisation form to the Bajaj Allianz Health Administration Team (HAT).
Step 4 – Claim Decision: HAT reviews and approves your claim within 60 minutes.
Step 5 – Settlement: The claim amount is paid directly to the hospital upon discharge.
Note: For reimbursement claims, undergo the treatment and settle the entire hospital bill upon discharge. Submit the necessary documents to Bajaj Allianz General Insurance Company - Health Administration Team (BAGIC HAT). The team will verify the documents that are submitted and disburse the claim amount as per your policy terms and conditions.
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
What Affects Your Premium Amount?
Factors | Impact on Premium |
Sum Insured | Higher coverage amount leads to a higher premium. |
Number of Members | More members covered results in a higher premium. |
Age | Younger individuals pay lower premiums due to lower health risks. |
BMI | BMI exceeding the normal limit leads to a higher premium. |
Medical History | Complex or family medical history may increase the premium. |
Tobacco Consumption | Smokers and tobacco users pay higher premiums. |
Gender | Women may pay slightly higher premiums due to frequent hospital visits. |
The most significant impact on your health insurance premium is the coverage you choose. Broader coverage typically leads to higher health insurance quotes.
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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