Bajaj Plans for Family
  • High sum insured
  • Maternity cover available
  • Avail discounts
Bajaj Plans for Family
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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 you, 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. The Bajaj Allianz Health Insurance has an ample number of options for individuals and families.

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 its 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 profile.

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 the Bajaj Allianz Family Floater Health Guard policy with its key features and benefits.

Benefits of the Bajaj Allianz Family Health Insurance Plan

Bajaj Allianz Family Health Insurance Plan has the following benefits:

  • Long-term policy discount of 4% for 2 years, and 8% for 3 years, which makes the plan unique.
  • Organ donor expenses are 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 as per section 80D.
  • Bariatric surgery cover, which makes this plan a little easier on the 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 are covered 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 of free annual health check-ups.
  • Coverage for mental illness with a waiting period of two years.
  • Long-term policy discounts 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 a maximum of 30 days
  • Preventive health check-up: 1% of the SI max up to INR 2000/- on consecutive renewal of 3 years.
FeaturesSpecifications
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)

Bajaj Health Insurance Plans for Family Health Eligibility

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

  • The entry age for proposers is 18 years to 65 years. The policy can be renewed for a lifetime.
  • Entry age for children is 3 months up to 30 years.
  • No medical tests up to 45 years, subject to a 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 the 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

Daycare 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, cataracts 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 is required upto the age of 65.
  • No room rent restriction when applying for the policy.
  • Up to 20k digital claim settlement via mobile app ‘Caringly yours’.

Conclusion

The Bajaj Allianz Health Insurance for Family / Bajaj Allianz Family Floater Health Guard policy has an 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.

Bajaj Allianz Health Insurance Network Hospital List

Bajaj Allianz Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Bajaj Allianz Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

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Explore other Bajaj Allianz Health Insurance

To cater to the different medical needs of an individual & their family, Bajaj Allianz Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Bajaj Allianz Health Insurance plans explore more:

Accident Health Insurance

Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, perm...

Unique Features

  • Death Cover
  • EMI Payment Cover
  • Hospital Cash Benefit

Bajaj Allianz Personal Guard (Pros)

Bajaj Allianz Personal Guard

Bajaj Allianz Personal Guard (Cons)

Bajaj Allianz Personal Guard

Bajaj Allianz Personal Guard (Other Benefits)

Bajaj Allianz Personal Guard

Bajaj Allianz Personal Guard (Eligibility Criteria)

Bajaj Allianz Personal Guard
  • 18 to 70 Years

Individual and Family Health Insurance

Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insu...

Unique Features

  • Avail Optional Cover
  • Maternity Cover
  • High SI

My Health Care Plan (Pros)

My Health Care Plan
  • High SI options
  • OPD cover
  • Cataract cover

My Health Care Plan (Cons)

My Health Care Plan
  • No cover for gender change treatments
  • No cover for obesity treatments
  • Infertility cover not available

My Health Care Plan (Other Benefits)

My Health Care Plan

My Health Care Plan (Eligibility Criteria)

My Health Care Plan
  • 18 to 65 Years

Individual and Family Health Insurance

Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medic...

Unique Features

  • Super Cumulative Bonus
  • Co-Pay Available
  • 8 Benefit Options

Bajaj Allianz Star Package (Pros)

Bajaj Allianz Star Package
  • Super cumulative bonus
  • Co-pay available
  • 8 benefit options

Bajaj Allianz Star Package (Cons)

Bajaj Allianz Star Package
  • Domiciliary hospitalisation not covered
  • OPD coverage not available
  • Weight management treatments not covered

Bajaj Allianz Star Package (Other Benefits)

Bajaj Allianz Star Package

Bajaj Allianz Star Package (Eligibility Criteria)

Bajaj Allianz Star Package
  • 18 to 65 Years

Individual and Family Health Insurance

Bajaj Allianz Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...

Unique Features

  • OPD Cover
  • Senior Citizen Cover
  • 4 Plan Variants

Bajaj Allianz Tax Gain Policy (Pros)

Bajaj Allianz Tax Gain Policy
  • Multiple plan options available
  • OPD cover
  • Coverage for senior citizens

Bajaj Allianz Tax Gain Policy (Cons)

Bajaj Allianz Tax Gain Policy
  • ICU charges not covered
  • Pre-hospitalisation not covered
  • No coverage for post-hospitalisation

Bajaj Allianz Tax Gain Policy (Other Benefits)

Bajaj Allianz Tax Gain Policy

Bajaj Allianz Tax Gain Policy (Eligibility Criteria)

Bajaj Allianz Tax Gain Policy
  • 18 to 75 Years

Individual and Family Health Insurance

We all want to give the best facilities to our families and their sound health is of supreme importance to us; hence, we want to be the best regarding...

Unique Features

  • Comprehensive Coverage
  • Cumulative Bonus
  • Life Long Renewal

Bajaj Allianz Health Ensure (Pros)

Bajaj Allianz Health Ensure
  • Comprehensive coverage
  • Cumulative bonus
  • Lifelong renewal

Bajaj Allianz Health Ensure (Cons)

Bajaj Allianz Health Ensure
  • Domiciliary not covered
  • No coverage for infertility
  • Sub-limits applicable

Bajaj Allianz Health Ensure (Other Benefits)

Bajaj Allianz Health Ensure

Bajaj Allianz Health Ensure (Eligibility Criteria)

Bajaj Allianz Health Ensure
  • 18 Years to no upper age limit

Individual and Family Health Insurance

Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...

Unique Features

  • Covers 10 critical illnesses
  • In-house claim settlement
  • Lifelong renewability

Bajaj Allianz Critical Illness (Pros)

Bajaj Allianz Critical Illness
  • Cover for 10 critical illnesses
  • Lifelong renewability
  • Affordable premium options

Bajaj Allianz Critical Illness (Cons)

Bajaj Allianz Critical Illness
  • No cover for childhood defects
  • No cover for HIV/AIDS
  • Survival period of 30 days

Bajaj Allianz Critical Illness (Other Benefits)

Bajaj Allianz Critical Illness
  • Long Term Policy Discount
  • Major Organ Transplantation
  • Hassle free In House claim process

Bajaj Allianz Critical Illness (Eligibility Criteria)

Bajaj Allianz Critical Illness
  • 18 to 65 Years

Individual and Family Health Insurance

Health Care Supreme is a comprehensive health care plan offered by Bajaj Allianz Health Insurance that provides lifetime coverage against the medical ...

Unique Features

  • Cover 15 Critical Illnesses
  • Preventive Health Check-ups
  • Long Term Policy

Bajaj Allianz Health Care Supreme (Pros)

Bajaj Allianz Health Care Supreme
  • Cover 15 critical illnesses
  • Preventive health check-ups
  • Long-term policy

Bajaj Allianz Health Care Supreme (Cons)

Bajaj Allianz Health Care Supreme
  • Global coverage not available
  • Domiciliary hospitalisation not covered
  • No compassionate travel benefits

Bajaj Allianz Health Care Supreme (Other Benefits)

Bajaj Allianz Health Care Supreme

Bajaj Allianz Health Care Supreme (Eligibility Criteria)

Bajaj Allianz Health Care Supreme

Individual and Family Health Insurance

Bajaj Allianz Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses ...

Unique Features

  • About Health Guard Variants
  • Buying Process ’On a Go’
  • Quick Claim Settlement

Bajaj Allianz Health Guard (Pros)

Bajaj Allianz Health Guard
  • Lifelong entry age
  • SI upto 1 Crore
  • Variants available

Bajaj Allianz Health Guard (Cons)

Bajaj Allianz Health Guard
  • Domiciliary not covered
  • E-consultation not available
  • No second medical opinion

Bajaj Allianz Health Guard (Other Benefits)

Bajaj Allianz Health Guard

Bajaj Allianz Health Guard (Eligibility Criteria)

Bajaj Allianz Health Guard
  • 18 Years to Lifelong

Individual

Bajaj Allianz Health Infinity Plan is a unique health insurance plan. Bajaj Allianz Health Infinity Plan has been designed to give policyholders unlim...

Unique Features

  • Comprehensive Health Plan
  • Lifetime Renewability
  • Quick Claim Process

Bajaj Allianz Health Infinity (Pros)

Bajaj Allianz Health Infinity
  • Comprehensive coverage
  • Lifelong renewal
  • Easy and quick claim process

Bajaj Allianz Health Infinity (Cons)

Bajaj Allianz Health Infinity
  • OPD not covered
  • Infertility treatments not covered
  • Organ donor coverage not available

Bajaj Allianz Health Infinity (Other Benefits)

Bajaj Allianz Health Infinity

Bajaj Allianz Health Infinity (Eligibility Criteria)

Bajaj Allianz Health Infinity
  • 18 to 65 Years

Accident Health Insurance

Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and en...

Unique Features

  • In-house claim settlement team
  • Multiple Sum Insured Options
  • Lifelong Renewability

Premium Personal Guard (Pros)

Premium Personal Guard
  • In-house claim settlement team
  • Multiple sum insured options
  • Lifelong renewability

Premium Personal Guard (Cons)

Premium Personal Guard
  • Does not cover self-inflicted injury
  • No AIDS cover
  • Organ donation not covered

Premium Personal Guard (Other Benefits)

Premium Personal Guard

Premium Personal Guard (Eligibility Criteria)

Premium Personal Guard
  • 18 to 65 Years

Individual and Family Health Insurance

A versatile policy covering every family member. Bajaj Allianz Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Av...

Unique Features

  • Life-long Renewability
  • Hassle-free Claim Settlement
  • Flexible Payment Modes

Bajaj Allianz Arogya Sanjeevani (Pros)

Bajaj Allianz Arogya Sanjeevani
  • Lifelong renewability
  • Affordable premiums
  • Cover for pre-policy health checkups

Bajaj Allianz Arogya Sanjeevani (Cons)

Bajaj Allianz Arogya Sanjeevani
  • Low SI options
  • No cover for dental treatments
  • No cover for mental illness

Bajaj Allianz Arogya Sanjeevani (Other Benefits)

Bajaj Allianz Arogya Sanjeevani

Bajaj Allianz Arogya Sanjeevani (Eligibility Criteria)

Bajaj Allianz Arogya Sanjeevani
  • 18-65 Years

Accident Health Insurance

Bajaj Allianz Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj Allianz's P...

Unique Features

  • High sum insured
  • Death cover
  • Disability cover

Bajaj Allianz Personal Accident Policy (Pros)

Bajaj Allianz Personal Accident Policy

Bajaj Allianz Personal Accident Policy (Cons)

Bajaj Allianz Personal Accident Policy

Bajaj Allianz Personal Accident Policy (Other Benefits)

Bajaj Allianz Personal Accident Policy

Bajaj Allianz Personal Accident Policy (Eligibility Criteria)

Bajaj Allianz Personal Accident Policy
  • 18 to 65 Years

Senior Citizen Health Insurance

Bajaj Allianz Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insurance plan or j...

Unique Features

  • Cover 15 Critical Illnesses
  • Preventive Health Check-ups
  • Long Term Policy

Silver Health Plan (Pros)

Silver Health Plan
  • Cover 15 critical illnesses
  • Preventive health check-ups
  • Long term policy

Silver Health Plan (Cons)

Silver Health Plan
  • Organ donor expenses not covered
  • Vaccination charges not covered
  • Self-inflicted injury not covered

Silver Health Plan (Other Benefits)

Silver Health Plan

Silver Health Plan (Eligibility Criteria)

Silver Health Plan
  • 46 to 80 Years

Top Up and Super Top Up

Bajaj Allianz Extra Care Plus is a super top-up plan launched by Bajaj Allianz that covers all your medical expenses. Bajaj Allianz Extra Care Plus is...

Unique Features

  • Bajaj Allianz Super Top-Up
  • Avail High Sum Insured
  • Entry Age Up To 80 Years

Bajaj Allianz Extra Care Plus (Pros)

Bajaj Allianz Extra Care Plus
  • High sum insured
  • Entry age up to 80 years
  • Cover for family members available

Bajaj Allianz Extra Care Plus (Cons)

Bajaj Allianz Extra Care Plus
  • AIDS not covered
  • Self-inflicted injury not covered
  • Global coverage not available

Bajaj Allianz Extra Care Plus (Other Benefits)

Bajaj Allianz Extra Care Plus

Bajaj Allianz Extra Care Plus (Eligibility Criteria)

Bajaj Allianz Extra Care Plus

Individual

Bajaj Allianz Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...

Unique Features

  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Bajaj Alianz Criti Care (Pros)

Bajaj Alianz Criti Care
  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Bajaj Alianz Criti Care (Cons)

Bajaj Alianz Criti Care
  • ICU cover not available
  • No pre and post-hospitalisation cover
  • No room rent cover

Bajaj Alianz Criti Care (Other Benefits)

Bajaj Alianz Criti Care
  • Early Stage Cancers
  • Carotid Artery Surgery
  • Removal of one Kidney

Bajaj Alianz Criti Care (Eligibility Criteria)

Bajaj Alianz Criti Care
  • 18 to 65 Years

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Bajaj Allianz Health Insurance for Family: FAQs

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

Yes, there is a difference in waiting periods. Initial 30-day 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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