Bajaj Plans for Family
  • High sum insured
  • Maternity cover available
  • Avail discounts
Bajaj Allianz Health Insurance

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Up to 25 CR


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Customized Health Insurance Plan for you.

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Bajaj Health Insurance Plans for Family

An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day-by-day. If an accident or critical illness befalls, it may cause a huge financial burden for you and your dependents. A hard-hitting truth is that whether the hospitalization is planned or not, it comes as an unpleasant surprise, and it is sure to cost you heavily. So, it’s better to have the protection of a health insurance policy, which besides helping you to manage your finances, also offers you several other benefits at very affordable premium rates. So, the Bajaj Allianz Health Insurance has ample number of options under individual and family, in which one of them is Bajaj Allianz Family Floater Health Guard policy.

Bajaj Allianz is a joint venture between India-based Bajaj Finserv Limited and European financial services company Allianz SE. Bajaj Allianz meets the needs of their customers by offering a wide variety of insurance products, which include health insurance plans. By combining global expertise with local experience, the company provides their clients with customized products and transparent benefits, catering to every segment and age-income profiles.

Bajaj Allianz Family Floater Health Guard policy, is not only going to cover your loving family, but will also protect your savings from getting depleted due to high medical expenses.So let's discuss Bajaj Allianz Family Floater Health Guard policy with its key features and benefits.

Bajaj Allianz Family Health Insurance

A comprehensive family floater policy with a high SI of INR 1 crore.It also provides extended coverage to insured’s parents, parents-in-laws, grandchildren and also siblings, if they are dependent.

Unique Features

  • Multiple SI (1.5 lakh to 1 crore)
  • Three variants available
  • Benefit of refilling the SI

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Benefits of the Bajaj Allianz Family Health Insurance Plan

Bajaj Allianz Family Health Insurance Plan has following benefits:

  • Long term policy discount of 4% for 2 yrs, 8% for 3 yrs,which makes the plan unique.
  • Organ donor expenses covered up to the sum insured.
  • 10% cumulative bonus benefit for every claim free year up to 100%
  • Covers pre and post hospitalization expenses incurred 60 days prior to and 90 days post hospitalization.
  • Income Tax benefit is as per section 80 D.
  • Bariatric surgery cover, which makes this plan a little easier on pocket at the time of need.
  • Convalescence benefit up to Rs. 7500/- per year (subject to Sum Insured opted)
  • Ayurvedic and Homeopathic hospitalization cover.
  • Free preventive health checkup every 3 years, irrespective of a claim.
  • Maternity and newborn baby expenses cover which makes this a very useful plan for young couples.
  • Benefit of daily cash of INR 500 per day, for up to 10 days of hospitalization.
  • Coverage of pre-and post-hospitalization costs up to 60 days and 90 days respectively.
  • Coverage of maternity and newborn is available in the Gold and Platinum plans.
  • The insured can avail free annual health check-up.
  • Coverage for mental illness with a waiting period of two years.
  • Long-term policy discount up to 4% for two years and 8% for three years.
  • In-patient Hospitalization Treatment
  • Day Care Procedures
  • Road ambulance : Up to INR 3000 per hospitalization as per actuals
  • Organ Donor Expenses
  • 100% Sum insured reinstatement benefit
  • Hospital cash benefit : INR 500 per day for max 30 day
  • Preventive health check-up: 1% of the SI max up to INR 2000/- on consecutive renewal of 3 years.
Entry Age18 years to 65 years for Self & Spouse 3 months to 25 years for Children
Eligibility for MembersIndian Citizens
Non-resident Indian Citizens
India Post Payments Bank Customers
Sum Insured1 / 2 / 3 / 4 / 5 lacs
Pre-policy check upUp to 65 years no medical tests required (subject to no adverse medical history)

Health Insurance Companies

Bajaj Health Insurance Plans for Family Health Eligibility

The eligibility criteria for Bajaj Allianz Health Insurance for Family is as follows:

  • Entry age for proposer is 18 years to 65 years. The policy can be renewed for lifetime.
  • Entry age for children is 3 months up to 30 years.
  • No medical tests up to 45 years, subject to clean proposal form.

Bajaj Allianz Health Insurance Plans for Family Health Inclusions

The following coverage is offered by the Bajaj Allianz Health Insurance plans for a family:

Ayurvedic/ Homeopathic Hospitalization Expenses (not available under the Health Guard Silver plan)

Convalescence Benefit/ Recovery Benefit (not available under Health Ensure plan)

Maternity Expenses (not available under Health Guard Silver plan and Health Ensure plan)

New Born Baby Cover (not available under Health Guard Silver plan and Health Ensure plan)

In-patient hospitalization treatment

Pre-hospitalization medical expenses

Post-hospitalization medical expenses

Road ambulance expenses

Day care procedures

Organ donor expenses

Bajaj Allianz Health Insurance Plans for Family Health Exclusions

The following are the exclusions by the Bajaj Allianz Health Insurance plans for a family:

A waiting period of 3 years will be applicable in the case of pre-existing diseases.

Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.

Certain diseases such as hernia, piles, cataract and sinusitis shall be covered after a waiting period of 2 years.

More Add-on Features of the Bajaj Allianz Health Insurance for family

  • The plan has only 4 diverse age brackets.
  • Bajaj Allianz Health Insurance covers in house claim settlement.
  • Lifetime renewal is a primary add-on feature.
  • The plan Act on the premiums paid for this policy.
  • No Medical Test required upto the age of 65.
  • No room rent restriction when applied for the policy.
  • Up to 20k digital claim settlement via mobile app ‘Caringly yours’.

The Bajaj Allianz Health Insurance for Family / Bajaj Allianz Family Floater Health Guard policy has ample number of options under individual and family floater policies providing extensive coverage up to INR 10 crore. The company provides various benefits such as flexible sum insured options, maternity and newborn cover, extensive coverage of hospitalization expenses, free annual check-ups and a variety of discounts on online and long-term policy tenure. Its wide network of cashless hospitals is impressive.

Explore other Bajaj Allianz Health Plans

Bajaj Allianz Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

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 Critical Illness (Pros)

  • Joint Replacement
  • Major Organ Transplantation
  • Surgery of Aorta
  • Limbs Permanent Paralysis
  • Dialysis Care

Bajaj Allianz Critical Illness (Cons)

  • No C- Section Coverage
  • No Weight Surgery Cover
  • No War Injury Cover
  • HIV/AIDS not covered
  • No Natural Peril Cover

Bajaj Allianz Critical Illness (Other Benefits)

  • First Heart Attack
  • Open Chest CABG
  • Regular Dialysis
  • Neuro Care
  • Multiple Sclerosis

Bajaj Allianz Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

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.

Unique Features

  • Avail Modern Treatments
  • Avail Ambulance coverage
  • Avail discounts on policy terms

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 Extra Care Plus (Pros)

  • Modern treatment Covered
  • Air Ambulance Cover
  • Maternity Benefit
  • Organ Donor Expenses
  • Free Medical Check-Up

Bajaj Allianz Extra Care Plus (Cons)

  • No New Born Baby Cover
  • No Dental Treatment
  • No Obesity Cover
  • STD not covered
  • No BMI Cover

Bajaj Allianz Extra Care Plus (Other Benefits)

  • Day Care Treatment Covered
  • ICU Covered
  • Specialist Doctor Cover
  • Post-hospitalisation expenses
  • Spouse and Child Cover

Bajaj Allianz Extra Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 80 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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.

Unique Features

  • Avail Lifetime Renewal
  • Coverage against Dengue
  • Avail family coverage

Bajaj Allianz M care (Pros)

  • Chikungunya Cover
  • Malaria Cover
  • Filariasis Cover
  • Kala Azar Cover
  • Pre & post hospitalisation

Bajaj Allianz M care (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz M care (Other Benefits)

  • Zika Virus Cover
  • Japanese Encephalitis Cover
  • Dengue Fever Cover
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz M care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25 Thousand to 75 Thousand
  • Waiting Period - 30 Days

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.

Unique Features

  • Offers 16 variants
  • Lifetime renewal available
  • Avail Hospitalization expenses

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 Saral Suraksha Bima (Pros)

  • Total Temporary Disablement
  • Installment Premium Payment
  • Cumulative Bonus
  • Hospitalization Expenses
  • 10% Education Grant

Bajaj Allianz Saral Suraksha Bima (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Bajaj Allianz Saral Suraksha Bima (Other Benefits)

  • Partial Disablement Cover
  • Total Disablement Cover
  • Nursing Expenses Cover
  • Prosthetic Cover
  • ICU Cover

Bajaj Allianz Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 cr
  • Waiting Period - 30 Days

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.

Unique Features

  • USD 1,000,000 cover
  • Mental Illnesses covered
  • Air Ambulance covered

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.

Unique Features

  • Avail Maternity Cover
  • Avail Newborn baby cover
  • Physiotherapy expenses covered

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

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 Corona-Kavach Policy (Pros)

  • Covid Hospitalization Cover
  • AYUSH Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Home Care Treatment Expenses

Bajaj Allianz Corona-Kavach Policy (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Alcoholism Cover
  • No Unproven Treatments
  • No Suicide Cover

Bajaj Allianz Corona-Kavach Policy (Other Benefits)

  • Hospital Daily Cash
  • Oxygen cylinder Cover
  • Diagnostic tests Cover
  • Consultation charge cover
  • Road Ambulance Cover

Bajaj Allianz Corona-Kavach Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

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 Criti-Care (Pros)

  • Dialysis Care Cover
  • Cancer reconstructive surgery
  • Cardiac Nursing Cover
  • Physiotherapy care
  • Dialysis Care

Bajaj Allianz Criti-Care (Cons)

  • No Intoxication Coverage
  • No Cosmetic Surgery
  • No Postpartum Cover
  • STD not covered
  • No Natural Calamity Cover

Bajaj Allianz Criti-Care (Other Benefits)

  • Cancer Care
  • Cardiovascular Care
  • Kidney Care
  • Neuro Care
  • Transplants care

Bajaj Allianz Criti-Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 2 Cr
  • Waiting Period - 30 Days

Bajaj Allianz Health Insurance for Family : FAQ's

1. Is there any difference in waiting periods under Family Health Care?

Yes, there is a difference in waiting periods.

  • Initial 30 days waiting period applicable under the policy except for hospitalization in case of accidental hospitalization (accident date post risk inception date).
  • Pre-existing conditions will be covered after 36 months.
  • Specific diseases like- Cataracts, Hernia of all types, Fistulae, Hysterectomy etc will be covered after 24 months.

2. Are Ayurvedic/Homeopathic hospitalization expenses covered under the policy?

This benefit is available if the insured is hospitalized due to an illness/injury in an Ayurvedic/ Homeopathic Hospital (Government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board).

3. What is the limit of Day Care procedures?

There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.

4. Is Preventive health checkup available in Family Health Care?

Yes, at the block of 3 years (irrespective of claims) Preventive health checkup is given 1% of the sum insured max up to Rs. 2000/- for each member.

5. What is an Organ Donor expense?

It means that we will be covering the charges borne by the insured person towards the admission of the person who will be donating the organ to the insured person. The only condition is that the main claim of the insured person for which the organ is being donated is accepted under the policy. It will be paid up to the sum insured .

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Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.