Bajaj Allianz Health Insurance

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About Bajaj Allianz Health Insurance

Bajaj Allianz General Insurance Company is a joint venture between Bajaj Finserv Limited and Allianz SE. The company was established in 2001. Bajaj Allianz General Insurance Company Limited offers various insurance solutions and comes out as a robust player. It is the first insurer which started the cashless claim settlement policy and in-house health management process.

The company offers customized and affordable health insurance products.It is an ideal platform for your next health insurance purchase.

Highlights:

Network hospitals

6500+

Paid Up Capital

Rs. 110 crores

Customer Assistance

24*7

**Last Updated on 17-12-2020

Bajaj Allianz health insurance

What are the different types of Bajaj Allianz Health Insurance Plans?

Online Plans

Personal

Accident

Inpatient Hospitalization

Plans

  • Bajaj Allianz Health-Guard
  • Bajaj Allianz Health Infinity Plan
  • Bajaj Allianz Aarogya Sanjeevani Policy
  • Bajaj Allianz Critical Illness
  • Bajaj Allianz Premium Personal Guard
  • Bajaj Allianz Extra Care
  • Bajaj Allianz Extra Care Plus
  • Bajaj Allianz M-Care
  • Bajaj Allianz Personal Accident
  • Bajaj Allianz Sankat Mochan
  • Bajaj Allianz Global Personal Guard
  • Bajaj Allianz Health Care Supreme
  • Bajaj Allianz Tax Gain
  • Bajaj Allianz Health Ensure
  • Bajaj Allianz Corona Kavach Policy
  • Bajaj Allianz Silver Health

**Last Updated on 17-12-2020

Online Plans

i) Bajaj Allianz Health-Guard

Bajaj Allianz Health-Guard is specially designed to suit all your health care needs. The plan offers a comprehensive range of benefits and ensures that you are covered for the expenses incurred during any illness or surgery.

Key Features:

  • The plan offers three different variants to choose from as per your needs and requirements: Silver, Gold, and Platinum.
  • The plan offers coverage for pre-hospitalization and post-hospitalization expenses i.e., 60 days before hospitalization and 90 days after getting discharged.
  • If the insured has to be hospitalized for a disease/illness/injury for a continuous period exceeding 10 days, the company will pay the benefits up to the specified limits.

Eligibility:

Entry Age

For Adults: 18 to 65 years

For Children: 3 months to 30 years

Policy period

1 year, 2 years, or 3 years

Sum insured

Silver Plan: Rs.1.5 lakh or Rs.2 lakh

Gold Plan: Rs.3 / 4 / 5 / 7.5 / 10 / 15 / 20 / 25 / 30 / 35 / 40 / 45 / 50 lakhs

Platinum Plan: Rs. 5 / 7.5 / 10 / 15 / 20 / 25 / 30 / 35 / 40 / 45 / 50/ 75 lacs/ 1 Crore

**Last Updated on 17-12-2020

ii) Bajaj Allianz Health Infinity Plan

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:

  • This plan offers coverage to self, spouse, dependent children, and parents on an individual basis.
  • The plan offers coverage against medical expenses incurred while getting treated for daycare procedures.
  • The policyholder is also eligible for in-patient hospitalization treatment without any sub-limit.

Eligibility:

Entry age

For Adults: 18 years to 65 years

For Children: 3 years to 25 years

Policy tenure

1 year, 2 year, or 3 years

Pre and post hospitalization

60 & 90 days

**Last Updated on 17-12-2020

iii) Bajaj Allianz Arogya Sanjeevani Policy

The Arogya 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:

  • The plan indemnifies medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha, and Homeopathy systems of medicines during each policy year.
  • The plan also offers a lifetime renewal benefit.
  • Under this policy, the policyholder is also eligible to get a cumulative bonus that will increase by 5% in respect of each claim-free policy year.

Eligibility:

Entry age

For Adults: 18 years to 65 years

For Children: 3 years to 25 years

Policy period

1 year

Premium Payment Term

Annual, Half-yearly, Quarterly or Monthly

**Last Updated on 17-12-2020

iv) Bajaj Allianz Critical Illness Plan

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

  • The insured receives a lump sum amount to deal with the high expenses of the treatment.
  • Donor expenses during transplant surgery (required by the policyholder for his/her survival) are covered under Bajaj Allianz Health Insurance Critical Illnesses Plan in India or overseas.
  • Under this plan, one can cover Self, Spouse, Dependent Children, Parents, Grandchildren, Sister, Brother, Mother In law, Father In law, Aunt, and Uncle.

Eligibility

Entry Age

For Adults: 18 years to 65 years

For Children: 6 years to 21 years

Sum insured

  • For age group 6 years to 60 years: Rs. 1,00,000 to Rs. 50,00,000
  • For age group 61 years to 65 years: Rs. 1,00,000 to Rs. 5,00,000

Policy tenure

1 year/2years/3 years

**Last Updated on 17-12-2020

v) Bajaj Allianz Premium Personal Guard Plan

Bajaj Allianz Premium Personal Guard Policy offers support and helps you to sustain the unforeseen risks. The plan secures your future and ensures complete peace of mind for you and your family during hospitalization.

Key Features

  • Under this plan, you can cover your parents, spouse, and children.
  • The insured is liable to receive a cumulative bonus of 10% of the sum insured for every claim-free year.

Eligibility:

Entry age

For Adults: 18 to 65 years

For Children: 5 years to 21 years

Policy Period

It's an annual policy

**Last Updated on 17-12-2020

vi) Bajaj Allianz Extra Care Plan

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:

  • The plan offers a floater policy with a single premium for the family.
  • In case of an emergency, the policy also covers ambulance charges to a maximum limit of Rs.3000.
  • Income Tax Benefit under Sec 80 D of the Income Tax Act, 1961 on the premiums paid for this policy.

Eligibility:

Entry Age

For Adults: 18 years to 70 years

For Children: 3 Months to 25 years

Pre & post hospitalization

60 & 90 days

Policy period

1, 2 & 3 years

**Last Updated on 17-12-2020

vii) Bajaj Allianz Extra Care Plus Plan

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:

  • The plan covers pre-existing diseases after 12 months of your purchase.
  • You can cover your spouse, dependent children, and parents under a single policy.
  • The plan also offers coverage against maternity expenses (including maternity-related complications).

Eligibility:

Entry Age

For Adults- 18 years to 80 years


For Children- 3 months to 25 years

Medical test

Not mandatory for people under the age of 55 years

Policy period

1, 2 & 3 years

**Last Updated on 17-12-2020

viii) Bajaj Allianz M-Care Plan

Bajaj Allianz M-Care is an effective form of health insurance cover that offers wide coverage and comes at an affordable price. The plan is the best solution for taking care of the most common vector-borne ailments.

Key Features:

  • The plan pays a lump sum amount if the policyholder is diagnosed with any vector-borne diseases such as dengue fever, malaria, chikungunya, zika virus, etc.
  • You can insure yourself, spouse, dependent children, and parents.
  • The plan offers a free look period of 15 days to cancel the policy.

Eligibility:

Entry Age

18 to 65 years

Policy Period

Annual

Sum Assured

Rs.10000, 15000, 25000, 50000 & 75000

**Last Updated on 17-12-2020

Personal Accident

i) Bajaj Allianz Personal Accident Insurance Plan

An unfortunate death or injury of an earning member can cause serious distress among the dependent family members. Bajaj Allianz Personal Accident Insurance ensures total security and peace of mind and supports the family financially in such events.

Key Features:

Under this plan, the claimant is eligible to get:

  • 100% Sum Insured as a Death Benefit.
  • Highest compensation of 125% of Sum Insured in case of Permanent Total Disability (PTD).
  • 1% of the Sum Insured or Rs.5000 per week (whichever is lesser) in the case of Temporary Total Disability (TTD).

You can easily cover yourself, spouse, and children under this policy.

Eligibility:

Entry Age

For Adults: 18 to 65 years

For Children: 5 years to 21 years

Policy Period

1 year/2years/3 years

Premium Paying Term

Annual, Half-yearly, Quarterly and Monthly

**Last Updated on 17-12-2020

ii) Bajaj Allianz Sankat Mochan Insurance Plan

Bajaj Allianz Sankat Mochan Plan offers complete financial protection to the policyholder and his/her family members in case of unfortunate events like death or injury.

Key Features:

  • The plan offers coverage against Death Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability caused due to accidental injury.
  • The plan offers lifetime renewal benefits to the policyholder.
  • The plan offers Income Tax Benefit (under Sec 80 D of the IT Act) on the premium paid for the Accidental Hospitalisation section.

Eligibility Criteria:

Entry age

For Adults: 18 to 65 years

For Children: 5 years to 25 years

Policy Period

Annual

Free Look Period

15 days

**Last Updated on 17-12-2020

iii) Bajaj Allianz Global Personal Guard Insurance Policy

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:

  • The plan offers two covers to the policyholders: Base Cover & Optional Cover.
  • Under this plan, you can cover your spouse, dependent children, and parents.
  • Under the free look period, you get 15 days to cancel the policy if you aren't happy with it.

Eligibility:

Entry age

For Adults:18 years to 70 years

For Children: 3 months to 25 years:

Policy period

1, 2 & 3 years

**Last Updated on 17-12-2020

Inpatient Hospitalization Plans

i) Bajaj Allianz Health Care Supreme Plan

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:

  • The plan offers coverage against in-patient hospitalization expenses that occurs due to any ayurvedic/homeopathic treatment.
  • The insured will be liable to get maternity benefits along with a newborn baby cover.
  • Along with the basic benefits, the plan will offer special benefits. which include physiotherapy and organ donor cover.

Eligibility:

Entry age

Entry age for Medical Expenses Section

  • For Adults: 18 years to a 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 period

1 year, 2 years, or 3 years

Premium paying term

Annual, Half-yearly, Quarterly & Monthly

**Last Updated on 17-12-2020

ii) Bajaj Allianz Silver Health Plan

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:

  • The plan offers coverage against the pre-existing diseases from the second year of the policy.
  • The plan offers a cumulative bonus of 10% of the sum insured (a maximum of 50% of sum insured) for every claim-free year.

Eligibility:

Entry age

46 years to 70 years

Sum insured options

Rs. 50000, 100000, 150000, 200000, 300000, 400000 & 500000

Policy period

Annual

**Last Updated on 17-12-2020

iii) Bajaj Allianz Tax Gain Plan

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:

  • The plan offers pre-hospitalization and post-hospitalization covers.
  • Under this plan, you can opt for a copayment waiver.
  • The plan covers ambulance charges (up to Rs.1000) for emergency hospitalization.

Eligibility:

Entry age

18 years to 75 years

Policy Period

1 Year/2 years/3 years

Premium paying term

Annual, Half-yearly, Quarterly & Monthly

**Last Updated on 17-12-2020

The values may change as per the chosen plan option.

iv) Bajaj Allianz Health Ensure Plan

Bajaj Allianz Health Ensure is an affordable health insurance plan that offers a comprehensive cover to protect your entire family. This is a perfect plan to take care of all medical expenses that occur in case of hospitalization arising out of illness/injury.

Key Features:

  • The plan is available on an individual and family floater basis under which you can cover yourself, spouse, siblings, children, parents, grandchildren, parents-in-law, etc.
  • The plan will be there to assist you with in-patient hospitalization expenses.
  • The plan also covers the expenses of an organ donor treatment.

Eligibility:

Entry age

For Adults: 18 years to a lifetime

For Children: 3 months to 30 years

Premium paying term

Annual, Half-yearly, Quarterly & Monthly

Policy

1 year/2 years/ 3 years

**Last Updated on 17-12-2020

v) Bajaj Allianz Corona Kavach Policy

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:

  • Under this plan, you get coverage (up to Rs.2,000) for ambulance expenses.
  • The plan offers coverage for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems of medicines during the policy period (up to the limit of sum insured).

Eligibility:

Entry age

For Adults: 18 years to 65 years

For Children: 1 year to 25 years

Maximum Sum Insured

5 Lakhs

Policy

3½ Month /6½ Month /9½ Month

**Last Updated on 17-12-2020

How To Buy Bajaj Allianz Health Insurance Plan?

Ideally, there are two ways to buy Bajaj Allianz Health plans- from the company itself and PolicyX.com. Let's take a detailed look at them.

Bajaj Allianz's website:

  1. Visit the company's website and click on the 'Health' icon given below.
  2. On the top-right corner, click on the 'I want to Buy' and select the plan you want to opt for.
  3. Enter all the required details and your health insurance premium amount will be displayed on the screen, where you can select the plan as per your convenience.
  4. Click on the 'Confirm Plan' button to buy a health insurance policy online.
  5. Once you make the payment of your premium, you will get your health insurance policy on your registered e-mail address.

Note- You can also visit the nearby Bajaj Allianz's branch to buy health insurance.

PolicyX.com:

  1. Scroll up to the top of this page and fill the details in 'Calculate Bajaj Allianz Health Insurance Premium' form.
  2. Out of all the quotes, choose the desired Bajaj Allianz Health Insurance plan and click on 'Buy Now'.
  3. Pay the premium and your policy will be shared with you on your registered email.

How to file a claim for Bajaj Allianz Health Insurance Plans?

Cashless Claim

To be eligible for a cashless claim, the treatment of the policyholder should only be done in any of the network hospitals that fall under the company's guidelines. Below are the steps.

  1. Inform the insurance company or TPA at the hospital desk.
  2. Complete the pre-authorization form available at the hospital's insurance desk.
  3. The hospital will share the form with the company.
  4. An approval letter will be sent from the claim management team of the Bajaj Allianz General Insurance to the hospital and the policyholder will be informed regarding the same.
  5. Now, the company or TPA will directly deal with the hospital bills.

Reimbursement Claim

  1. If you are admitted to a non-network hospital, you have to pay the expenses to get the treatment done.
  2. After that, download the claim form from the official website of the company or take it from the nearby branch of the company.
  3. Submit the form along with the required documents such as discharge summary, prescription, etc. to BAGIC-HAT upon discharge.
  4. The concerned team will analyze the details of the claim.
  5. In the case of an approved claim, the company will transfer the funds directly to the registered bank account.

Note: In case of any medical emergency, you need to inform Bajaj Allianz within 24 hours. In case of planned hospitalisation, one has to notify the company 48 hours before the hospitalization.

FAQs

1. What documents are required to buy Bajaj Allianz Health Insurance Plan?

The following documents are required to buy Bajaj Allianz Health Insurance Plan-

  • Any ID proof such as PAN card, Adhaar card, Passport, Voter ID, etc.
  • Age and address proof such as a copy of the driving license, Voter ID card, birth certificate, school leaving certificate, etc.
  • Passport size photos.
  • Any document related to your medical history is required. The company can also ask you to undergo a medical checkup.
  • Others requested by the company.

2. What are the different modes of paying an insurance premium under the Bajaj Allianz Health Insurance policy?

There are mainly three modes through which you can pay the premium amount of Bajaj Allianz Health Insurance policy-

  • Online payment
  • ECS (electronic mode of funds transfer from one bank to another)
  • By cheque or by cash payment at the insurance company's office

3. Does maternity cover fall under any Bajaj Allianz health insurance plan?

Yes, under a few Bajaj Allianz Health insurance plans, the insured will receive maternity and the newborn baby cover.

4. What are the illnesses covered under Bajaj Allianz critical illness insurance?

With Bajaj Allianz's critical illness policy, you are covered for 10 major critical illnesses:

  • First heart attack
  • Open Chest CABG (Coronary Artery Disease Requiring Surgery)
  • Stroke Resulting in Permanent Symptoms
  • Cancer of Specified Severity
  • Kidney Failure Requiring Regular Dialysis
  • Major Organ Transplantation
  • Multiple Sclerosis with Persisting Symptoms
  • Surgery of Aorta
  • Primary Pulmonary Arterial Hypertension
  • Permanent Paralysis of Limbs

5. Is my Bajaj Allianz health insurance policy valid everywhere in India?

Yes, your policy is valid Pan India and you can use it to meet your health emergencies.

Page updated on 17-12-2020