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

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Bajaj Allianz is a joint venture between Bajaj Finserv Limited and european financial services company Allianz SE. The organisation offers insurance products for financial planning and security by incorporating the technical expertise and experience of Allianz SE with the market knowledge and goodwill of the Bajaj brand in India. Bajaj Allianz Life Insurance meets its customers needs by offering a wide variety of products ranging from ULIPs and child plans to group and health insurance. 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

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    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

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    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

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    Good health offers multiple rewards

    Family discount of 10% is applicable.

    The world is your healthcare oyster

    cashless facility at over 3700+ 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 20 Nov 2017

    Features Specifications
    Network Hospitals 3700+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 74.94%
    Number of Policies Issued 435548
    Grievances Solved 97.50%
    Renewability Lifetime

    *For Year 2015-2016

    Overview of Bajaj Allianz Health Insurance:

    Bajaj Allianz General Insurance Company Limited is one of India’s most trusted and preferred insurance vendor. 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. Bajaj is a commonly known brand in India, while Allianz SE is a globally known entity that is commended for its technical expertise and path breaking initiatives. 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 staunch fan following, alongside the title of a market leader and preferred health insurance option amongst the discerning local customer base.  

    Why Compare Bajaj Allianz Health Insurance Plans on BankBazaar?  

    Why Bajaj Allianz Health Insurance?

    Bajaj Allianz Health Insurance has one of the highest Claim Settlement 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:

    Bajaj Allianz Health Insurance Plans
    • The insurer provides customised health insurance policies to meet the varying needs of its customers such as individual, family, senior citizen, personal accident, 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 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.

      Health Insurance Helps You Save Your 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 is up to Rs.25,000 per year, provided the age of the individual is below 60 years.
    • For senior citizen health insurance premium 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 provided you are below 60 years of age while parents are above 60 years.
    • Assessee or policyholders who are above 60 years of age and are paying health insurance premium for parents aged above 60 years, the tax benefit is up to 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. Enter your name, mobile number, and policy number to get the renewal notice with details about the renewal premium amount.

    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

    3. Bajaj Allianz Surgical Protection Plan

    4. Bajaj Allianz Premium Personal Guard Policy

    5. Bajaj Allianz Extra Care

    6. Bajaj Allianz Critical Illness

    7. Bajaj Allianz Silver Health Plan For Senior Citizens

    8. Bajaj Allianz Tax Gain Plan

    Bajaj Allianz Health Guard Individual Policy:

    Entry Age 18 to 65 years; For Children- 3-25 years
    Basis Individual / Family floater
    Cashless hospitalization 3700+ partner hospitals across India
    Policy Period 1 year
    Sum Assured Ranges from Rs. 1.5 lakhs to Rs. 10 lakhs
    Discounts 10%.
    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, maximum upto 50% of insured sum
    Free Health check-up At the end of 4 continuous claim free years
    Day Care procedures 130 days covered
    Ambulance charges In emergency cases, to a limit of Rs.1000.
    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
    Renewal Life-time

    Bajaj Allianz Health Guard Family Floater Option:

    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:

    This is you to extend your existing health insurance cover to compensate for special circumstances that may arise due to prolonged hospitalization.

    Cashless hospitalization 3700+ partner hospitals across India
    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:

    Insure yourself against the risk of critical illnesses just like you would insure your car or house. Be secure with the knowledge that you are prepared for all future medical eventualities.

    Entry Age 6 to 65 years
    Sum insured Rs. 100000/- to Rs. 5000000/- for age group of 6 yrs. to 60 yrs. Rs. 100000/- to Rs. 500000/- for age group of 61 yrs. to 65 yrs.
    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.

    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 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 56 years -75 years for Senior citizens plan Tax Gain 1999 Renewable up to 75 years. 18 years – 55 years for Tax Gain 4999, Tax Gain 9999 & Tax Gain 14999 Renewable up to 55 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 toll-free number 1800-209-5858 or mail to customercare@bajajallianz.co.in. 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 ChatBot 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 firms also provide 2 year policies.

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

      Also known as “sum assured” or “sum insured”, the final claim amount to be paid out is the coverage amount. Premiums vary according to sum assured.

    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, which are adjusted by a network hospital of Bajaj Allianz on the basis of the insurance policy without any cash being paid by the policyholder.

      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.

    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?

      • Sales toll-free number 1800-209-0144
      • Service toll-free number 1800-209-5858
    13. 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.

    14. 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, call toll-free number 1800-209-5858. 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.
    15. How to renew Bajaj Allianz Health Insurance online?

      Renew your health insurance policy before the expiry date, failing to do which you can also pay the renewal premium within the grace period to avoid policy 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.

    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

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    • Bajaj Allianz Health Insurance
      "Good Policy to hold"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with BAJAJ ALLIANZ GENERAL INSURANCE. I have been using this health insurance for few years and renewing it regularly without any fail. Annually I pay Rs. 19000. Till now I didn't have any claim experience with them.
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      , mumbai
      Reviewed on Nov 18, 2017
    • Bajaj Allianz Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      Holding the health insurance policy for past 5years. The customer support is good with BAJAJ allianz, My company has provided me this policy. This policy covers 4members. And each person can claim up to 2lakhs, on whole this policy has the medical claim up to 8laksh . I am satisfied using the Bajaj health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2017
    • Bajaj Allianz Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken the health insurance service directly from the online for my whole family for the amount of ten lakhs they provide me with good offers but I never used their service till now it was a good experience with BAJAJ for my health insurance service.
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      , hyderabad
      Reviewed on Nov 13, 2017
    • Bajaj Allianz Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      I got the Insurance policy along with the capital first consumer durable loan. This policy has the tenure of 7years, but I have paid the premium of Rs,7000 for 7monhts. This policy has the benefits of Accidental coverage up to 7yeras. I never had any claim experience with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 07, 2017
    • Bajaj Allianz Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      The service was good offers are good the documents procedure have been done through directly the payment options where directly auto debited from my savings account even the staffs are very good in approach it was totally a good experience from BAJAJ for my health insurance service.
      Was this review helpful? 0
      , kottayam
      Reviewed on Oct 30, 2017
    • Bajaj Allianz Health Insurance
      "Average Policy to use"
      0.5 5.0/5 "Blown Away!"
      I have the health insurance policy with BAJAJ ALLIANZ for past 3years. The customer support is good with this policy. This policy covers 3members. I can claim the medical coverage up to 3lakhs . The cashless treatment is available with this policy.
      Was this review helpful? 0
      , surat
      Reviewed on Oct 29, 2017
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken this health insurance policy before 6years. I like their service, my cousin suggested this policy. It has a good policy benefits. I can claim up to 5 lakhs on this policy. It was taken for my family. I pay yearly 11k through ECS. The customer service and response was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 27, 2017
    • Bajaj Allianz Health Insurance
      "Its Average"
      0.5 3.5/5 "Pretty good"
      Every month I pay Rs.920 for health insurance with Bajaj Allianz, my company gave this policy it covers only for me not for my family member, Medical cover around 1.75 lakh. So far I don't face any claim but I have received the medical card it has cash less treatment, it has cover for critical disease.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 24, 2017
    • Bajaj Allianz Health Insurance
      "Can do better"
      0.5 2.0/5 "Expected more"
      At the time of selling the policy Bajaj alliance , I was told that the documentation process is too simple for the health insurance.When I had approached them for the claim experience I got to know that, there were in need of too many documents and the process was complicated too. Where i was told that,i had to just send a mail and it would be taken care off in 10 working days which is completely misleading.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • Bajaj Allianz Health Insurance
      "good service"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with BAJAJ it was been 10 years I have taken the insurance ,during the documentation part it was easy also I have got lot of good offers from BAJAJ still I have not avail their offers much I will say the service of BAJAJ is very good for my health insurance service.
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      , delhi
      Reviewed on Oct 16, 2017
    • Bajaj Allianz Health Insurance
      "Insurance was very good"
      0.5 3.0/5 "Satisfactory"
      I had this Insurance a while ago, and felt the plan benefits to be very good and attractive. Payment options are all good but there was no cashless available in this insurance. Also it has a huge network of hospitals aligned with them. One can definitely trust to have network hospital in their vicinity.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • Bajaj Allianz Health Insurance
      "Serivce is fast"
      0.5 3.0/5 "Satisfactory"
      I have my Health Insurance with Bajaj Allianz and felt that the insurance to be very proactive and plays the part perfectly. Service is very good and huge, also their network is fast. They cashless facility is awesome and does the job perfectly.
      Was this review helpful? 0
      , raipur
      Reviewed on Oct 12, 2017
    • Bajaj Allianz Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Service is very good from BAJAJ ,I have not avail their service much their representatives were very helpful and responsible . Even during the documentation part it was fine with BAJAJ service ,overall service is fine and average . No issue till now.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 05, 2017
    • Bajaj Allianz Health Insurance
      "Good Policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Bajaj for past 2years. This policy covers 3memebers. Which is myself and my mother and my brother. This policy has the coverage up to 2lakhs. I had a claim experience with this policy within 14days I got the claim from BAJAJ.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 05, 2017
    • Bajaj Allianz Health Insurance
      "excellent service"
      0.5 5.0/5 "Blown Away!"
      Service was very good ,documentation part was also fine very easy process . Representatives were very helpful and responsible . Supportive customer service during the process ,so as a overall service was very excellent from BAJAJ alliance for my health insurance service.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 03, 2017
    • Bajaj Allianz Health Insurance
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance from Bajaj Allianz general insurance. The customer services are excellent and to what I know of them, they do not delay in the claim process. The medical coverage is good and it is a family floater. The premium is economical.
      Was this review helpful? 0
      , namakkal
      Reviewed on Sep 28, 2017
    • Bajaj Allianz Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was a very good service from BAJAJ HEALTH ,their representatives use to update me regularly regarding their new schemes and offers So overall it was very good experience with BAJAJ HEALTH never had any issue with their service till now ,the only queries with their service is I don't get regular intimations regarding payments .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 24, 2017
    • Bajaj Allianz Health Insurance
      "Better Policy to use"
      0.5 3.0/5 "Satisfactory"
      Through my company I got the Health Insurance policy with BAJAJ Allinz. I have used it so far and I don't have any claim experience as well. My company will pay and renew the policy yearly once. It is an employee health insurance so it covers the employee alone.The medical coverage is up to 50,000 per annum and the cash less treatment option is available with this Health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 23, 2017
    • Bajaj Allianz Health Insurance
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Bajaj Allianz general insurance company and I have not faced any claims with them till now. Response is good one with the Bajaj Allianz general insurance company. Premium is comfortable one.
      Was this review helpful? 0
      , kottayam
      Reviewed on Sep 22, 2017
    • Bajaj Allianz Health Insurance
      "Not bad"
      0.5 4.0/5 "Great!"
      I have taken health insurance because my company has tie up with BAJAJ. Its a corporate insurance and its a individual policy. I have no idea about the premium renewed and time duration taken for funds realization but I don't get any tax benefit with this. My overall experience was not bad.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2017
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