• Bajaj Allianz Surgical Protection Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    This plan provides for fixed benefit amounts for specified surgeries in addition to Hospital Cash Daily Allowance, cover for Critical Illnesses and Personal Accident cover.

    Features & Benefits - Bajaj Allianz Surgical Protection:

    Entry Age 18 years- 65 years for policyholder / spouse / parents. Children aged 3 months to 25 years.
    Eligibility
    • Indian Nationals.
    • NRIs, policy issued in India, premiums paid in INR and by Indian Account.
    • Sum insured for self (proposer) must be higher than family members.
    Types
    • Individual Surgical Protection Plan Policy.
    • Group Surgical Protection Plan Policy.
    Renewal
    • Annual policy with lifetime renewability.
    • 30 day grace period from date of policy expiry.
    Features and advantages
    • Comprehensive coverage for over 600 surgeries with guaranteed benefit amount.
    • Can be opted for in addition to the hospitalization policy.
    • Cashless facility in over 3,600 hospitals across India.
    • 11 different plans with varying benefits.
    • 15 day free look period for new policies.
    • No pre-policy medical tests up to 45 years of age. (depending on pre -existing adverse health conditions)
    Sum Insured Rs. 1 lakh to Rs. 10 lakhs. 11 different options available.
    Grades of surgery covered Grade 1 (Supra Major Surgeries)
    • Heart Bypass Surgery, Heart-Lung Transplant, Total Knee Replacement, Kidney Transplant, Chest Wall Resection, Liver Transplant, etc.
    Grade 2 (Major Surgeries)
    • Back and Neck Surgery (Spinal Fusion), Plate and Screw Fixation of Arm Bones, Open Bladder Surgery, Lung Volume Reduction Surgery, etc.
    Grade 3 (Sub-Major Surgeries)
    • Anterior cruciate ligament surgery, Appendectomy (Removal of Appendix), Cataract Surgery, Liver Biopsy, Laryngoscopy, Open rotator cuff repair, etc.
    Grade 4 (Day Care Procedures)
    • Bronchoscopy, Circumcision, Dilatation and Curettage, etc.
    Grade 5 (Minor Surgeries)
    • Bone Marrow Biopsy, Carpal tunnel release Surgery, Cyst or abscess drainage, etc.
    Other benefits Hospital Cash Day Allowance
    • 1,500 per day for every 24 hours of surgery-related hospitalization.
    • Can be availed up to 30 days during each policy period.
    • 3,000 per day for every 24 hours of surgery-related hospitalization in the ICU, up to a maximum of 15 days.
    Critical Illness Cover
    • Coverage benefit of Rs. 1 lakh.
    • Coverage for 15 critical illnesses.
    Personal Accident Cover
    • Accidental Death – 100% of sum insured.
    • Accidental Permanent Total Disability – 125% of sum insured.
    • Permanent Partial Disability cover.
    • Transportation benefit of Rs. 5,000.
    • Children education benefit of Rs. 5,000 each for up to 2 children.
    Medical examination criteria
    • No medical tests up to 45 years of age (subject to no adverse health conditions), medical tests advised in case of Diabetes, Hypertension, Lipid Disorders, Obesity, Joint Disorders or a combination of any of these.
    • Medical tests mandatory for applicants above 45 years of age - Full Medical Report, CBC, Urine R, ECG, Lipid profile, Fasting BSL, HbA1c, SGOT, SGPT, Sr. Creatinine.
    • Pre-policy medical check-up arranged at specific panelled diagnostic centre.
    • All medical tests will be 100% reimbursed at the panelled diagnostic centre, subject to accepting the policy.
    Loading on adverse health conditions Diabetes – 10% Hypertension – 10% Cholesterol disorder – 10% Obesity – 10% Cardiovascular diseases – 10% Cumulative loading will be applicable for multiple conditions. Maximum risk loading will not exceed 50% of published premiums for overall risk per person.
    Tax Benefit Policyholders are eligible for tax benefit under Section 80D
    Exclusions Exclusions for Surgical Benefit Cover
    • Drug or alcohol abuse.
    • War, acts of war, nuclear, chemical or biological weapons and radiation of any kind.
    • Cosmetic or aesthetic surgeries, surgery for change of gender.
    • Intentional self-injury.
    • Fertility, sub-fertility, impotence, assisted conception or sterilization.
    • Weight management services and treatment related to weight reduction programs.
    Exclusions for Critical Illness Cover
    • Any pre-existing critical illness.
    • Any critical illness diagnosed within the first 90 days of Policy commencement.
    • Expenses arising from HIV / AIDS, other STDs.
    Exclusions for Personal Accident Cover
    • Suicide, attempted suicide or self-inflicted injury.
    • Breach of law with criminal intent.
    • Participation in hazardous sporting activities.

    In this life full of uncertainties, it’s possible that the family breadwinner can be rendered unable to financially support his family through illness or accidents. This is the primary need for health insurance. But what if there is a critical surgery that is required and hospital bills are just too much to bear? That’s where Bajaj Allianz Surgical Protection Plan steps in and takes care of these expenses, in addition to giving you a daily cash benefit for hospital expenses and covering your family in case the worst should come to pass.

    *Disclaimer: Please chose your policy wisely after careful consideration of all policy documents and literature therein. Diligent examination and scrutiny of terms and conditions, exclusions (if any) and conditions on premium payments is strongly advised. This article is purely informational and is not designed to influence your decision in any way.

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

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

    Other Health Insurance Plans from Bajaj Allianz

    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 Surgical Protection Plan Reviews

  • Page 1 of 15 1 2 3 4 5
    • Bajaj Allianz Health Insurance
      "Good Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      So far i have never claim the health insurance. I can claim upto 7 lakhs. I have taken this insurance policy for me and dependent. The employer take care of the premium amount. I have never contact the customer care. Almost most of the hospital has been covered in this health insurance
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. I would like to say that the coverage value is around three lakh Rupees. Cashless treatment is applicable there, so I have not faced any such claims with them as such.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Bajaj allianz from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 6000 has to be paid for this insurance and it is covered up to Rs 3 lakhs./
      Was this review helpful? 0
      , mumbai
      Reviewed on May 31, 2018
    • Bajaj Allianz Health Insurance
      "Average Policy"
      0.5 4.0/5 "Great!"
      My company provided me a Bajaj health insurance. They offered me a claim amount of Rs. 1.5 lakhs. I can avail this policy for my family. I can use this insurance for medical emergency. I have never any claim experience. My company pay according the corporate premium amount.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • Bajaj Allianz Health Insurance
      "Not satisfied with the response from Bajaj"
      0.5 2.0/5 "Expected more"
      For the corporate requirement we have taken health insurance from BAJAJ ALLIANZ GENERAL INSURANCE and the service was not up to the mark. if we want to remove the employee name from the policy then will be not quiet easy and if we contacted them the response will be not much friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy which is provided by my employer. The company pays a premium of 1500 Per year. I never had any claim experience with the policy and I am not aware about a core details of this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the Bajaj Allianz. I don't have any claim experience I pay a premium of 800 per month for annual coverage of 9 lacs which is very good. I never had any issues with the policy and its features and I make the premium payments online.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • Bajaj Allianz Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance form the Bajaj Allianz . I pay a premium of 3000 annum, for a coverage of 3 lacs. I had a claim experience with the policy where they paid 95% for a cash less treatment. Everything was done from the hospital. The whole process was quick and hassle free.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • Bajaj Allianz Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Bajaj Allianz from last 9 months, i am happy with the coverage value of this insurance policy. I do not have claim experience so far with this insurance. I pay a premium of Rs 750 every month and the coverage value is Rs 2 lakhs.
      Was this review helpful? 0
      , indore
      Reviewed on May 16, 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. This policy can cover up to Rs 5 lakhs. I do not have claim experience so far with this insurance and i pay a premium of Rs 13000 for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 02, 2018
    • Bajaj Allianz Health Insurance
      "Excellent health insurance policy"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the BAJAJ ALLIANZ GENERAL INSURANCE company around 20 days ago. They have provided me a medical card in which i have very good benefits in it. This policy covers 4members in my family and it has the coverage up to 10lakhs, I have paid Rs,10,000 to get this policy and it is valid only fora year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 02, 2018
    • Bajaj Allianz Health Insurance
      "Good policy for health"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance with BAJAJ ALLIANZ GENERAL INSURANCE and the premium i am paying was 13600 annually. The provide cashless facility and the claim experience was good. The have cashless facility almost 99% of coverage done through the insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 21, 2018
    • Bajaj Allianz Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I am having the BAJAJ ALLIANZ health insurance policy around a year ago. The customer support service is good with the BAJAJ ALLIANZ GENERAL INSURANCE company. I need to pay the premium amount of Rs,13,000 every year once. This policy covers 3 members in my family. This policy has the medical coverage of Rs,3,00,000 which can be used be all three members.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • Bajaj Allianz Health Insurance
      "Good health insurance policy"
      0.5 3.0/5 "Satisfactory"
      I have got the health insurance policy from the bajaj and this policy covers only one member which is myself actually it is a self policy . I pay the premium amount in every month on month . I pay Rs,15000 to this policy. This policy has the medical coverage up to 5lakhs and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Bajaj Allianz Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I have taken the health insurance from BAJAJ ALLIANZ GENERAL INSURANCE. The premium amount is 835 for 18 months. I have to renew the policy after 18 months. Its a 2 lakhs policy. I have not done any claim with Bajaj. They provide cashless facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2018
    • Bajaj Allianz Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Bajaj Health Insurance service is good. The payment is payed through online which was a smooth process. The benefits is for the whole family,but still I have not claimed any service from Bajaj Health Insurance service. It was totally a good experience with Bajaj Health Insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Bajaj Allianz from last 5 years and it is a good insurance policy to use. I am not aware of the premium amount as the company pays it. I do not have claim experience so far and i have not taken any cashless treatment. I have a coverage of Rs 4-5 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2018
    • Bajaj Allianz Health Insurance
      "Satisfactory"
      0.5 3.5/5 "Pretty good"
      I took my health insurance with Bajaj Allianz. The cashless treatment is good. The policy coverage was good, they offering 10L. I never contacted the customer support. I don't have any claim experience. I am paying 13K yearly which will be debited automatically from my account.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 07, 2018
    • Bajaj Allianz Health Insurance
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. Coverage value is for the full family and the response is good. I have faced some claims with them and it went in the fine manner.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 24, 2018
    • Bajaj Allianz Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance with Bajaj allianz,the premium amount is not paid my me as its offered by the company.The policy coverage is six lakhs including the family members.This is covered mediclaim as well as health insurance.The policy was taken two years back and no claim experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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