Bajaj Allianz Health Insurance is one of the leading health insurance providers serving people across demographics of the country. Bajaj Health Insurance offers various health insurance plans for individuals, families, critical illnesses, group policies, and more.
Bajaj Allianz General Insurance also provides tailor-made insurance solutions for motor, cyber safety, home, travel, and motor categories. Bajaj Allianz, headquartered in Pune, Maharashtra has empowered millions of lives with its insurance products in the last 2 decades of its existence.
Bajaj Allianz is a joint venture between Allianz SE, the world's leading insurer, and Bajaj Finserv Limited and they have gained a firm footing in the insurance sector with over 10 crore customers, 9000 employees, 80,000 agents, and over 240 bank partners. Bajaj Allianz is also associated with most brokers, web aggregators, and major e-commerce platforms.
Why choose Bajaj Allianz Health Insurance?
Bajaj Allianz is a popular name amongst the customers for their insurance needs. Let us take a glimpse into the company's performance and key features that will help you to analyze the company based on its performance:
Network Hospitals: The company has a tie-up with more than 8000+ network hospitals. These hospitals allow the policyholders to avail cashless treatments at the time of a medical emergency.
PAN India Presence Bajaj Allianz Health Insurance has a PAN India presence along with its digital offices reaching over 1000 Tier 2 and 3 towns. The Insurance ensures that the policyholder can directly visit their nearest branch office for any of their policy-related or claim-related queries.
Solvency Ratio: Bajaj Allianz Health Insurance has a Solvency Ratio of 3.41 as per the IRDAI annual report 2021-22. The solvency ratio helps the prospective policyholder assess the ability of a company to meet its financial obligations. As of now, IRDAI mandates maintaining a healthy solvency ratio of 1.50 for every insurer.
Claim Support Claim support is an important indication about an insurer that helps you analyze its claims settling ability. As per the IRDAI annual report of 2021-22, the claim support of Bajaj Allianz Health Insurance is 96.59.
Annual Premium: As per the annual report of IRDAI 2021-22, The Annual premium of Bajaj Allianz Health Insurance is 13,688.59 Cr.
Bajaj Allianz Health Insurance Plans
Bajaj Allianz has over 10 crore customers across the country and to cater to such a wide consumer base Bajaj Allianz Health Insurance has an array of insurance plans.
Bajaj Allianz Health Insurance Individual & Family Plans
A competitive plan with affordable premiums for your family, a perfect product to take care of medical expenses for you and your family in case of an unfortunate event.
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability
Unique Features
Covers children’s education
Avail cumulative bonus
Avail additional covers with plan
Bajaj Allianz Sankat Mochan
A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Unique Features
Avail cumulative bonus
Cover dependent children
Cover death and disability
Bajaj Allianz Critical Illness Plans
Bajaj Allianz Criti-Care
Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.
Unique Features
Avail lifetime renewal
Avail coverage against cancer
Avail wellness discount
Bajaj Allianz Critical Illness
A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.
Unique Features
Avail discounts on policy terms
50 Lakh SI
Flexible premium payment
Bajaj Allianz Women Specific Critical Illness
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.
Unique Features
Congenital Disability Benefit
Children Education Bonus
Avail various discounts
Bajaj Allianz Health Insurance Specialized Plans
Bajaj Allianz Critical Illness
A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.
Unique Features
Avail discounts on policy terms
50 Lakh SI
Flexible premium payment
Bajaj Allianz Extra Care
Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family. It is a floater Policy with a single premium for the family.
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.
Unique Benefits
Air Ambulance cover
Avail maternity expense
Organ donor expenses covered
Bajaj Allianz M care
The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.
Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability
Unique Features
Covers children’s education
Avail cumulative bonus
Avail additional covers with plan
Bajaj Allianz Sankat Mochan
A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Unique Features
Avail cumulative bonus
Cover dependent children
Cover death and disability
Bajaj Allianz Loan Care
A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.
Unique Features
Personal Accident Covered
EMI Payment Cover
Child education benefit available
Bajaj Allianz Saral Suraksha Bima
Saral Suraksha Bima offers a sum assured up to 1 Cr and offers optional covers for temporary Total Disablement and Hospitalisation Expenses due to Accident.
Unique Features
Lifetime renewal available
Child education benefit available
Cumulative Bonus
Bajaj Allianz Star Package
An all-in-one family floater policy that covers health, household contents, travel baggage and much more.
Unique Features
Covers Household content
Avail education grant
Avail critical illness cover
Bajaj Allianz Global Health Care
This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.
A Comprehensive Plan with a wide range of benefits, ensuring a cover for maximum expenses related to Illness and Accidents offering optional add-on benefits.
A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.
Unique Features
Avail Hospitalization expenses
Pre-existing illnesses Cover
130 day care procedures
Bajaj Allianz Tax Gain Policy
A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.
Unique Features
OPD covereage available
130 Day care procedures
Avail free health check up
Bajaj Allianz Health Ensure
A comprehensive plan that takes care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/ injury.
Unique Features
Upto 10lakh sum assured
Avail cumulative bonus
Day care procedures covered
Bajaj Allianz Corona-Kavach Policy
An affordable health insurance policy, Corona Kavach, takes care of your expenses at the time of hospitalization for COVID-19 treatment.
Unique Features
Avail homecare treatment
AYUSH treatment available
Avail hospital daily cash
Bajaj Allianz Hospital Cash Daily Allowance
Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.
Unique Features
Avail discounts
Flexible premium payment term
Avail family cover
Bajaj Allianz Women Specific Critical Illness
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.
Unique Features
Congenital Disability Benefit
Children Education Bonus
Avail various discounts
Bajaj Allianz Family Health Care Policy
A group policy that takes care of you and your family and protects you from hospitalization expenses in case of any unfortunate incident.
Unique Features
Avail Daycare procedures
Hospital cash benefits
Modern treatment covered
Bajaj Allianz Criti-Care
Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.
Unique Features
Avail lifetime renewal
Avail coverage against cancer
Avail wellness discount
Bajaj Allianz Health Insurance Network Hospital List
Bajaj Allianz Network Hospitals have a vast present PAN India. A well connected network of over 8000+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.
Bajaj Allianz offers a wide variety of plans and benefits to their customers. Below mentioned are some of the unique benefits that one can avail of through Bajaj Allianz Health Insurance.
24*7 Assistance Bajaj Allianz offers customers with 24*7 support so policyholders do not have to worry about their insurance needs in times of distress and can ask their queries as and when required.
Rewards & Health Returns Policyholders who maintain a healthy lifestyle are rewarded for the same. The company offers you with discounts and cumulative bonus your premiums if you live a healthy lifestyle and gives you claim free bonus. The healthier you stay, the more you will earn the rewards.
Robust Network Bajaj Allianz health insurance comes with an access to cashless network hospitals PAN India. Policyholders do not have to worry about any hospitalization expenses as the insurer offers quick and efficient claim settlement in their 8000+ network hospitals.
Bajaj Allianz Health Insurance Buying Process
For buying an Bajaj Allianz Health Insurance policy, one has two options. Either they can purchase directly from the website or can buy from PolicyX.com.
Buy from the Company
Visit the official website of the company. Click on the 'Health Insurance' icon
You will then be redirected to the Health Insurance page. On the top-right corner, click on the 'I want to buy'.
Enter all the required details and your health insurance premium amount will be displayed on the screen.
Once you pay the premium online, you will get all the policy documents at your registered email address.
Choose the Bajaj Allianz health plan and click on 'Buy Now'.
Pay the premium and your policy document will be shared with you on your registered email id.
Why Buy from PolicyX.com?
With so many buying options available in the market, one must think about why he/she needs to choose PolicyX.com. Well, we are here to answer.
IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved
by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance withing 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
How to Renew an Bajaj Allianz Health Insurance Policy?
Bajaj Allianz Health Insurance policy allows the customer to renew their policy online. Follow the below steps to renew your Bajaj Allianz Health Insurance Plans:
To renew your Bajaj Allianz's health insurance policy, you can visit their website or download the mobile app Caringly Yours.
You can also send a 'Hi' on our WhatsApp number (+91 75072 45858) and their efficient customer support team can assist you with your requirement.
Documents Required for Bajaj Allianz Health Insurance Claim
The claims procedure might accelerate if the paperwork that must be submitted is preserved in good condition. When making a health insurance claim with Bajaj Allianz Health Insurance Company, you will typically need to submit the following documents:
Duly filled and signed claim form of Bajaj Health Insurance
Original medical bills, invoices, and receipts
Prescription and Pharmacy bills
Discharge Summary Report from the hospital
Diagnostic tests or any Other Reports
Notes from a Doctor's consultation
Any other relevant medical notes, reports or documents
Bajaj Allianz Health Insurance Claim Process
Bajaj Allianz Health Insurance company offers an easy and convenient claims settlement process. The policyholder can either choose cashless claims or can opt for reimbursement claims:
Cashless Claim Process
Check the list of network hospitals from Bajaj Allianz's website. At the network hospital, show the cashless card of Bajaj Allianz Capital Health Insurance and valid ID proof like a Passport, PAN Card, Voting card, etc.
After the identification is done, the network hospital will send the cashless hospitalization request form to Bajaj Allianz. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization).
Bajaj Allianz will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail.
Once done, the payment will be made to the network hospital.
Reimbursement Claim Process
If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.
To file a claim, submit the following documents to Bajaj Allianz within 15 days of discharge:
Claim form (Part A & B)
Health card
KYC documents
Original discharge summary
Hospital bills
The invoice with payment receipt
All consultation papers
Others
After reviewing the documents, Bajaj Allianz will take the appropriate decision and if approved, the amount will be reimbursed through NEFT to the registered bank account.
Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).
How To Contact Bajaj Allianz Health Insurance
Bajaj Allianz health insurance customer care is 24*7 available to look after your queries. To get in touch with Bajaj Allianz health insurance customer care, opt for the below methods:
Bajaj Allianz House, Airport Road, Yerawada, Pune
bagichelp@bajajallianz.co.in
1800-209-0144
Bajaj Allianz Health Insurance: FAQs
1. 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 the 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
2. 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.
3. 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
4. Is my Bajaj Allianz Health Insurance Policy valid anywhere in India?
Yes, your policy is valid in Pan India and you can use it to meet your health emergencies.
5. How to Renew your Bajaj Allianz Health Insurance Plan?
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.
6. What are the premium payment modes offered by Bajaj Allianz Medical Insurance?
You can pay the premiums of the Bajaj Health Insurance Policy via three modes:
Cheque or cash payment at insurer's branch
ECS
Online Payment
In case, the policyholder wants to pay the premium online, the following modes are available:
Debit Card
Credit Card
Net banking
7. How can I check the network hospital of the Bajaj Allianz health insurance in my city?
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.
8. What is the tax benefit of buying a Bajaj Health Insurance policy?
Buying a Bajaj Allianz mediclaim policy provides you the tax benefits as per sec 80D of the Income Tax Act, 1961.
9. How can I cancel or surrender my Bajaj Allianz mediclaim Policy?
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.
10. Is a cashless facility offered by Bajaj Allianz medical Insurance?
Bajaj Allianz Health Insurance provides cashless treatment at Bajaj Allianz Health Insurance's network hospitals.
11. Can I add my spouse and children to my Bajaj Allianz health insurance plans?
Yes, Bajaj Allianz Health Insurance offers family floater plans that allow you to include your spouse and children under a single policy.
12. Is there a waiting period for pre-existing conditions in Bajaj Allianz health insurance?
Yes, there is usually a waiting period of 24 months provided for pre-existing conditions. The duration may vary depending on the policy terms.
13. How can I renew my Bajaj Allianz health insurance plans?
You can renew your policy online through the Bajaj Allianz official website or contact their customer service for assistance with the offline renewal process.
14. Does Bajaj Allianz health insurance cover alternative treatments like Ayurveda or Homeopathy?
Yes, Bajaj Allianz offers coverage for alternative treatments or AYUSH.
15. What is the grace period of Bajaj Health Insurance Plans?
Usually, a grace period for Bajaj Health Plans is 15 days. The duration may vary depending on the policy terms.
Read what our customers have to say about Bajaj Allianz health insurance company
Smita Patil
Bengaluru
May 1, 2023
I have availed health insurance services from PolicyX in the year 2021 and I must say that they are reliable and have supported me with claim settlement without any delay.
Pawan
Delhi
June 6, 2022
Trust me, friends, Bajja is one of the best insurance companies in India. It offers good health insurance plans and its claim service is superb. I am very impressed by the work done by Bajaj Al...
Himanshi Nalwa
Pune
May 26, 2022
My claim was settled in no time... I went to a non-network hospital and Bajaj Allianz reimburse my claim within 2 days
Priya Singhania
Guwahati
May 26, 2022
I took the health insurance plan for my family. Bajaj Allianz is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.
Mehak Dua
Belgaum
September 9, 2021
quick service. in fact the agent was very thorough with processing my documents...renewal was done swiftly
Kunal Deshmukh
Meerut
September 9, 2021
The 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
Bhargav Dua
Indore
September 9, 2021
Really top class support received...i gave the agent a budget estimation and he provided me good plan options...Happy with my health plan!
Rishiraj Bharti
Mysore
September 9, 2021
the buying process was easy...really hoping claims will be as easy too when the time comes...overall happy
