All about Bajaj Allianz Health Insurance plans offered, features and benefits, premium calculator, exclusions, claim ratios, buying process, documents, and claim process
Buy Policy in just 2 mins
2 lakh + Happy Customers
Free Comparison
Bajaj Allianz General Insurance Company is a joint venture between Bajaj Finserv Limited and Allianz SE. The company offers a wide variety of insurance products to its customers and comes out as a robust player. It is the first insurer that started the cashless claim settlement policy and in-house health management process. Bajaj Allianz protects you and your family from financial stress that can occur due to medical/health conditions.
Bajaj Allianz Health Insurance offers a wide range of health insurance products such as individual health insurance, family health insurance, critical illness health insurance, senior citizen health insurance, critical illness health insurance specifically for women, and many more. All these health insurance products are specifically designed to meet all the healthcare needs of an individual.
Bajaj Allianz has received several awards and accolades because of its constant innovation in the insurance market.
Bajaj Allianz Health Insurance offers various health plans that fulfill all your medical requirements and helps you lead a financially happy and secure life. But what is the ideal plan for you and your family? An ideal plan is the one which meets your needs and requirements.
They Bajaj Allianz offers several plans for Individuals, families, senior citizens, and individuals having critical illnesses.
Bajaj Allianz Plans | Type of Plan | Why Should You Buy? |
Bajaj Allianz Health Guard | Family Health Insurance | This plan provides comprehensive benefits at an affordable price as per your needs |
Bajaj Allianz Health Infinity Plan | Family Health Insurance | This plan offers coverage for family members (spouse, children, parents) |
Bajaj Allianz Aarogya Sanjeevani Policy | Comprehensive Individual Health Insurance | It is the comprehensive health insurance policy that protects you from financial burdens |
Bajaj Allianz Critical Illness Plan | Critical Illness Insurance Plans | Specifically designed for people who want protection from critical illnesses in the future such as cancer, stroke, and other life-threatening diseases. |
Bajaj Allianz Premium Personal Guard Plan | Personal Accident Insurance Plan | Personal Accident Insurance Plan provides complete protection to the insured members against the uncertainties of life such as death, bodily injuries due to accidents. |
Bajaj Allianz Extra Care Plan | Top-up Health Insurance | This plan takes care of the extra expenses incurred in the hospitalization. The plan offers a family floater policy with a single premium |
Bajaj Allianz Extra Care Plus Plan | Top-up Health Insurance | It is the top-up health cover i.e., the additional cover that provides wider health protection. |
Bajaj Allianz M-Care Plan | Family Floater Plan | This plan provides complete protection against financial instability, in case of vector-borne ailments. |
Bajaj Allianz Global Personal Guard Insurance Policy | Personal Accident Insurance Plan | Offers compensation in case of death or bodily injury to the policyholder. |
Bajaj Allianz Health Care Supreme Plan | Comprehensive Health Insurance | Bajaj Allianz Health Care Supreme is a comprehensive health care plan that provides its insured full coverage. |
Bajaj Allianz Silver Health Senior Citizen Plan | Senior Citizen Insurance Plan | A mediclaim plan that provides a complete solution for health insurance products that is specifically designed for senior citizens with a wide range of features |
Bajaj Allianz Tax Gain Plan | Individual and Family Health Insurance Family | This is a health insurance plan that provides coverage for medical expenses and also provides tax benefits. This plan provides coverage to individuals, families and senior citizens. |
Bajaj Allianz Health Ensure Plan | Family Health Insurance | Health Ensure plan is a comprehensive policy that provides relief from medical expenses This is specifically designed for you and your family. |
Bajaj Allianz Corona Kavach Policy | COVID-19 | This plan is introduced to protect you and your family from COVID-19 treatment. |
**Last Updated on March, 2022
Watch Video For Detailed Review
Here is the complete list of all the available Bajaj Allianz Health Insurance Plans:
Bajaj Allianz Health-Guard offers a comprehensive range of benefits and ensures that you are covered for the expenses incurred during any illness or surgery.
Key Features of this plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years For Children : 3 months-30 years |
Policy Term | 1 year/ 2 year/ 3 Year |
Sum Insured (in Rs.) | Gold & Platinum Plan: 5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh,25 Lakh, 30 Lakh, 35 Lakh, 40 Lakh, 45 Lakh, 50 Lakh |
**Last Updated on March, 2022
Bajaj Allianz Health Infinity Plan is a comprehensive health insurance plan that offers a wide range of benefits to take care of medical expenses associated with you and your family in case of hospitalization because of an illness or injury.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years For Children : 3 years - 25 years |
Policy Term | 1 year/ 2 year/ 3 Year |
Pre and Post Hospitalization | 60 & 90 days |
**Last Updated on March, 2022
The Aarogya Sanjeevani Policy by Bajaj Allianz Health Insurance helps the policyholder to receive financial support in case of medical emergencies and will protect you from the financial burden at the time of hospitalization.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years For Children : 3 years - 25 years |
Policy Term | 1 year |
Pre and Post Hospitalization | Annual, Half- Yearly, Quarterly or Monthly |
**Last Updated on March, 2022
Bajaj Allianz Critical Illness Policy offers helpful financial protection against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years For Children : 3 years - 21 years |
Policy Term | 1 year/2 year/ 3 year |
Sum Insured | 1 Lakh, 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh, 7.5 Lakh, 10 Lakh, 20 Lakh, 30 Lakh, 40 Lakh, 50 Lakh |
**Last Updated on March, 2022
Bajaj Allianz Premium Personal Guard Policy offers support and helps you to sustain unforeseen risks. The plan secures your future and ensures complete peace of mind for you and your family during hospitalization.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults: 18-65 years For Children: 5 years-21 years |
Policy Term | 1 Year |
**Last Updated on March, 2022
Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family in case of a medical emergency.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years For Children : 3 months - 25 years |
Policy Term | 1 year/ 2 year/ 3 Year |
Pre and Post Hospitalization | 60 & 90 days |
**Last Updated on March, 2022
Bajaj Allianz Extra Care Plus is a super top-up health plan that provides additional coverage to the existing health insurance policy. The plan provides wider health protection to you and your family.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years For Children : 3 months - 25 years |
Policy Term | 1 year/ 2 year/ 3 Year |
Health Check-up | Not mandatory for people under the age of 55 years |
**Last Updated on March, 2022
Bajaj Allianz M-Care is an effective form of health insurance cover that offers wide coverage and comes at an affordable price. The plan takes care of the most common vector-borne ailments.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults : 18-65 years |
Policy Term | 1 year |
Sum Insured | Not mandatory for people under the age of 55 years |
**Last Updated on March, 2022
Bajaj Allianz Global Personal Guard Insurance is designed to offer financial support to the policyholder and his/her family in case of death/injury due to an accident.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults: 18 years-70 years For Children : 3 months-25 years |
Policy Term | 1 year, 2 years, 3 year |
**Last Updated on March, 2022
Bajaj Allianz Health Care Supreme is a comprehensive health insurance plan with a wide cover to deal with various healthcare needs. The plan comes out with value-added features like critical illness cover, out-patient cover, maternity benefits, pre-hospitalization cover for 60 days, and post-hospitalization expense cover for 90 days.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | Entry Age for Medical Expenses Cover For Adults - 18 years-lifetime For Children - 3 months-25 years Entry Age for Add-on Covers For Adults - 18 Years - 65 years For Children - 3 months- 25 years |
Policy Term | 1 year, 2 years, 3 year |
Premium Payment Mode | Annual, Half- Yearly, Quarterly or Monthly |
**Last Updated on March, 2022
Bajaj Allianz Silver Health Plan is exclusively designed for senior citizens. It allows them to live the golden years of their retirement without any financial problems related to healthcare.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 46 years- 70 years |
Policy Term | 1 year |
Sum Insured | Rs. 50000, 100000, 150000, 200000, 300000, 400000 & 500000 |
**Last Updated on March, 2022
Bajaj Allianz Tax Gain is a floater health policy that offers coverage against out-patient expenses (OPD) & hospitalization expenses under a single policy.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years- 75 years |
Policy Term | 1 year, 2 years, 3 year |
Premium Payment Mode | Annual, Half- Yearly, Quarterly or Monthly |
**Last Updated on March, 2022
Bajaj Allianz Health Ensure is an affordable health insurance plan that offers a comprehensive cover to protect your entire family. This takes care of all medical expenses that occur in case of hospitalization arising out of illness/injury.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults: 18 years -lifetime For Children : 3 months -30 years |
Policy Term | 1 year, 2 years, 3 year |
Premium Payment Mode | Annual, Half- Yearly, Quarterly or Monthly |
**Last Updated on March, 2022
Bajaj Allianz Corona Kavach is an affordable health insurance policy that takes care of your expenses at the time of hospitalization for COVID-19 treatment.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | For Adults: 18 years -lifetime For Children : 3 months -30 years |
Premium Payment Mode | Annual, Half- Yearly, Quarterly or Monthly |
Bajaj Allianz Health Insurance offers various features to its customers when healthcare costs are touching the sky, having health insurance that fulfills your healthcare needs without burdening your pockets has become a necessity. However, with the availability of so many options in the insurance market, people often get confused and end up buying the wrong one.
Let's discuss the key features of the Bajaj Allianz health insurance that helps you to choose an appropriate plan.
Let us understand the above-mentioned features in detail:
When a policyholder buys a health insurance plan, the insurer offers an option to select the list of hospitals for the treatment of an illness. You can avail of cashless facilities after filing a claim at these hospitals that simply means that your treatment will be done without paying a single penny to the hospital. With a cashless hospitalization facility, all the medical bills get settled upon the completion of the treatment or after the discharge. Along with the Cashless facilities at the network hospitals, Bajaj Allianz Health Insurance offers you complimentary health checkups, pre, and post-hospitalization costs, coverage for pre-existing illnesses.
Bajaj Allianz Health Insurance has a tie-up with 6500+ Network hospitals providing cashless facilities to its customers. This insurance company comes up with an in-house Health Administration Team (HAT) that settles the cashless claims within an hour.
Bajaj Allianz also provides an option of reimbursement where the paid amount is refunded to the insurer after 10-12 working days.
Network Hospitals of Bajaj Allianz with other Top Companies for 2019-20
You can now check the list of network hospitals of Bajaj Allianz Health Insurance with PolicyX.com. All you have to do is select your insurance company, your state, and your city. Once done, the page will show you all the empanelled hospitals in your vicinity.
Bajaj Allianz Health Insurance offers a quick and easy facility of lifelong renewability. As per IRDAI guidelines, it is mandated to feature lifetime renewability by insurers. It saves your pocket from financial burdens caused because of medical emergencies and keeps you prepared to handle difficult situations. For more information about the Bajaj Allianz Health Insurance Renewal process, go through the company's website.
Claim support determines the claim settling ability of the insurance provider IRDAI standardizes the claim support and publishes it annually in the first month of every year. According to IRDAI Annual Report 2019-20, Bajaj Allianz Health Insurance has settled 98.61 percent of claims within 3 months.
Claim Support (within 3 months) of Top Ten Health Insurance Companies
** Data from IRDAI Annual Reports 2019-20
Market share is the factor that determines the volume of a business. Business volume refers to the total number of policies that are sold by an insurance company and the premiums collected. As per the IRDAI Annual Report 2019-20, the Annual Gross Premium of Bajaj Allianz Health Insurance is 2138.53 crores. By keeping certain factors in mind such as cashless claims, claim support, and market share, we have listed top companies at PolicyX.com. The bar graph shows the Annual Premium of Bajaj Allianz from the Financial year 2016-2020. Bajaj Allianz shares 4.21 % of the insurance market. Hence, for your better understanding, we have prepared a graph that shows the annual premium from Financial Year 2016-2020. Let's take a look at the graph.
Annual Gross Premium of Bajaj Allianz for Financial Year 2016-2020
** Data from IRDAI Annual Reports 2019-20
The solvency ratio is used to measure the company's ability to meet its long-term debts. Moreover, it also determines the size of a company. This factor is to be considered while selecting a good insurance company to lead a financially happy and healthier life. Solvency ratios are available in the IRDAI Annual Reports and according to the regulating authority, it is mandatory to maintain a healthy solvency ratio of 1.5 for every insurer. As per IRDAI Annual Report 2019-20, the solvency ratio of Bajaj Allianz is 2.45. Let's learn about this factor more with the help of a graph,
Solvency Ratio of Bajaj Allianz For 2016-20
** Data from IRDAI Annual Reports 2019-20
Let's compare the Solvency Ratio of Bajaj Allianz with other companies,
Solvency Ratio of Bajaj Allianz and other Top Companies
Key Features:
Network Hospitals | 6500+ |
Renewability | Lifelong |
Claim support (within 3 months) | 98.61 |
Annual Premium (2019-20) | 2138.53 |
Solvency Ratio | 2.45 |
**Last Updated on March, 2022
There are several health insurance plans available in the market, but one of the questions that arise is what plan to choose? The selection of the plan solely depends on your requirements. The plans offer health coverage for an individual, the family, and senior citizens. Let's discuss the benefits of Bajaj Allianz health insurance company for your quick and better understanding,
With Cashless Treatments, the policyholder is not required to pay a single penny at the critical time of hospitalization, thus offers financial relief. Bajaj Allianz is empanelled with 6500+ network hospitals providing cashless mediclaim policies to the policyholders. The expenses incurred on the treatment will be directly paid to the hospital by the insurance company. It approves cashless claims within 1 hour.
Bajaj Allianz provides medical coverage for AYUSH treatments that involve Ayurveda, Unani, Siddha, and Homeopathy. It is advisable to add AYUSH cover to your health plan if you have senior citizens at your home as it provides the best alternative treatments for elderly people having pre-existing diseases.
Bajaj Allianz has a toll-free number on which they provide 24X7 assistance to their customers. So you can resolve your insurance related queries using the Bajaj Allianz health insurance customer care number.
This insurance company provides coverage for the medical expenses incurred in pre and post-hospitalization for 30 days and 60 days respectively.
Bajaj Allianz provides Value Added Services through which you can save up to 30% on medications, OPD Treatments, pharmacy, health, and wellness tests.
Get Health checkups after 4 claim-free years only at the diagnostic centres of the network hospitals.
Bajaj Allianz provides coverage for pre-existing diseases which are covered after 4 years of a waiting period.
There are no sub-limits on room rent.
Bajaj Allianz offers a hassle-free claim settlement of up to INR 20,000 through the insurer's app i.e., Health CDC (Claim by Direct Click) in one hour of cashless claims.
You can avail of tax benefits under section 80D of the Income Tax Act-1961.
To know all the exclusions of your plan, refer to the product brochure or directly get in touch with your respective insurer.
Bajaj Allianz General Insurance Company provides the option of calculating premiums. Bajaj Allianz health insurance conducts a thorough assessment of your medical history. The policy premium amount is set based on the findings. Calculation of Bajaj Health Insurance premiums is based on various factors. Let's study some of those factors for a quick and better understanding.
Buying health insurance at a young age commands a lower premium as there are few chances of having pre-existing diseases and critical illness, but it also makes you eligible for a higher sum insured. Therefore, a 30-year old has to pay a lower premium as compared to a 40-year old individual.
Always ensure to inform the insurer about your present medical condition and any existing medical history. A clean track record of your health condition lowers your premium amount. On the other hand, if you have any medical history, then your premium amount is likely going to increase.
The premium amount of non-smokers is less in comparison to the premium amount of smokers. This is because smokers are more prone to diseases, especially respiratory illnesses.
Sum insured is the amount of cover offered by a health insurance plan. The higher the sum insured, the higher the premium amount.
Always look for your cover whether it is an individual or a family floater. In an individual policy, the premium amount depends on your age, profession, and other factors. On the other hand, family health insurance covers all your family members.
Bajaj Allianz's website:
Note- You can also visit the nearby Bajaj Allianz branch to buy health insurance.
Documents Required to buy a Bajaj Allianz Health Insurance Plan
The company grants two simple ways to file claims. Here they are-
Cashless Claim Settlement Process
Bajaj Health Insurance has tie-ups with many hospitals across the country, where policyholders can take cashless treatment. In such cases, the cost of treatment will be paid by the Bajaj health insurance and the policyholder is not required to pay anything. Below mentioned are the steps to follow for the cashless claim:
Reimbursement Claim Settlement Process
If you get treatment at a non-network hospital or your cashless claim is rejected. In such cases, you need to follow the below-mentioned steps to file a reimbursement claim under bajaj medical insurance.
Note: In case of any medical emergency, you need to inform Bajaj Allianz within 24 hours. In case of planned hospitalization, one has to notify the company 48 hours before the hospitalization.
Bajaj Allianz Health Insurance Contact Address:
Bajaj Allianz House, Airport Road, Yerawada, Pune-411006
Bajaj Allianz Health Insurance Customer Care
Toll-free Number: 1800 209 5858
Non-Medical Expenses in Health Insurance
April, 2022
Having a Good Health Insurance Advisor
April, 2022
Health insurance is a must in traveling itinerary
April, 2022
Health Insurance Riders and their relevance
April, 2022
Difference Between Insurance and Assurance
April, 2022
Copay in Health Insurance
March, 2022
Personal Accident Insurance
March, 2022
100% Claim
Assistance
200000+
Customers
Lowest Price
Guarantee
Neutral
Advice
*Terms and Conditions May Apply
There are mainly three modes through which you can pay the premium amount of the Bajaj Allianz Health Insurance policy-
Yes, under a few Bajaj Allianz Health insurance plans, the insured will receive maternity and the newborn baby cover.
With Bajaj Allianz's critical illness policy, you are covered for 10 major critical illnesses:
Yes, your policy is valid in Pan India and you can use it to meet your health emergencies.
For renewing the Bajaj Allianz Health Insurance policy, you are required to visit the official website of this insurer and choose the health insurance section. After going through the health section, fill in all the details such as the policy number, KYC details, contact details. Then click on Get Quote and make the payment via online medium.
You can pay the premiums of the Bajaj Health Insurance Policy via three modes:
In case, the policyholder wants to pay the premium online, the following modes are available:
Simply visit the official website of the Bajaj Allianz and select the health insurance tab. You'll find a Network Hospitals list under the health tools options in this tab, where you can see all of the listed hospitals and go to the one that's closest to you.
Buying a Bajaj Allianz mediclaim policy provides you the tax benefits as per sec 80D of the Income Tax Act, 1961.
Visit the nearest branch office of Bajaj Allianz health insurance along with the original policy documents and duly surrender form. Submit the documents and the refund of your policy premium shall be initiated after the completion of the policy cancellation.
Bajaj Allianz Health Insurance provides cashless treatment at Bajaj Allianz Health Insurance's network hospitals.
(Showing latest 5 reviews only)
September 9, 2021
Mehak Dua
BelgaumSeptember 9, 2021
Kunal Deshmukh
MeerutThe help I receievd at bajal allianz was so good...i mean i went expecting not a lot but the discussion was amazing...also bought a plan for my children
September 9, 2021
Bhargav Dua
IndoreReally top class support received...i gave the agent a budget estimation and he provided me good plan options...Happy with my health plan!
September 9, 2021
Rishiraj Bharti
Mysorethe buying process was easy...really hoping claims will be as easy too when the time comes...overall happy
September 7, 2021
fardin
PuneDidn t think much about insurance before. However my wife had a health plan from Bajaj which literally saved us from hospital bills. so grateful
Last updated on March, 2022
Request A Callback
quick service. in fact the agent was very thorough with processing my documents...renewal was done swiftly