Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health insurance plans. The health insurer offers a bouquet of features allowing insured individuals to curate the health insurance benefits and components
suitable for their family's needs and requirements. The USPs of My Health Care Plan by Bajaj Allianz are:
2X OPD Benefit
SI Options up to 5 Crores
Inbuilt Baby Care Cover
50% Cumulative Bonus
Inbuilt Maternity Cover, and more.
Bajaj Allianz My Health Care Plan offers a wide range of sum insured options between 3 Lakhs to 5 Crores making the plan highly versatile, including multiple features and optional benefits. The plan is available as an individual and
family floater plan and can be taken for up to 3 years. To understand more about how the insurance plan fits your family's requirements read the details below.
Bajaj Allianz My Health Care Plan Eligibility Criteria
To purchase the Bajaj Allianz My Health Care Plan it is essential to check factors like minimum and maximum entry age, sum insured, plan type, and more that are mentioned below:
Child Entry Age
Minimum: 18 Years Children: 3 Months to 30 Years
Entry Age Max.
Maximum: 65 Years
Policy Term
1/2/3/ Years
Plan Type
Individual/Family Floater
Sum Insured
3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 40 L | 45 L | 50 L | 75 L | 1 Cr | 2 Cr | 3 Cr | 4 Cr | 5 Cr
Initial Waiting Period*
30 Days*
Read more specifications in the brochure.
Bajaj Allianz My Health Care Plan Benefits
The plan offers a plethora of benefits and features to the insured individual when purchasing the plan. We have listed below a few:
Loss of Income Cover
If insured individuals are hospitalized for a minimum of 72 consecutive hours on the advice of a doctor because of any illness
or accidental injury during the policy period then a weekly payment is paid to the insured individual as per the policy schedule.
International Emergency Coverage
Insured individuals can avail emergency international coverage incurred for hospitalization outside of India, anywhere
across the world for emergency care up to a specified amount as per the policy schedule. However, a mandatory co-payment of 10% will be applicable under this benefit.
Sum Insured Enhancement
Bajaj Allianz My Health Care Plan offers sum insured enhancement benefits at the time of renewal of the policy as per your
needs and requirements.
Multiple Discounts
Bajaj Allianz Health Care Plan offers multiple discounts such as a 15% family discount, 8% long-term policy discount, 20% employee
discount, 5% online discount, 5% loyalty discount, and wellness discounts.
Accident and Major Illnesses Cover
In case an insured individual is hospitalized on the advice of a medical practitioner due to critical illnesses
listed in the policy or due to accidental bodily injuries during the cover period, then the sum insured for such major illnesses or injuries would be increased maximum of up to 2 times of 'inpatient hospitalization treatment'
sum insured.
Choose Your Bajaj Allianz My Health Care Plan
Under the My Health Care Plan by Bajaj Allianz, individuals can opt from a wide range of sum insured available mentioned below:
Coverage for SI:3 L - 5 Crores
In-patient & Out-patient Coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered for up to 60 Days
Post-Hospitalization
Covered for up to 90 Days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable, 50%, max up to 100% of SI
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, the room rent is covered
For SI 3 L to 10 L - Single Private AC Room
For 10 L and above - Up to Actuals
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, ICU charges are covered.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, pre-hospitalization is covered for up to 60 days.
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan covers medical expenses incurred during post-hospitalization for 90 Days.
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan covers domiciliary hospitalizations up to SI.
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan covers the expenses of all daycare procedures.
What are OPD charges?
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Bajaj Allianz My Health Care Plan?
OPD charges are covered under the Bajaj Allianz My Health Care Plan.
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan does not cover COVID-19.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan covers Cataract Treatment with a Limit of
For SI Up to 10 L- 20% of SI max 1 Lakhs Per eye
For SI Above 10 L - Up to Actuals
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by
a certain percentage that varies from plan to plan.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan offers a no-claim bonus of 50% of the sum insured for each claim-free year subject to a maximum of up to 100%.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan does offer automatic restoration
For SI less than 5 L - Once
For SI 5 L and above - Unlimited
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Bajaj Allianz My Health Care Plan?
The Daily hospital cash is not available under the Bajaj Allianz My Health Care Plan.
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Bajaj Allianz My Health Care Plan?
Under Bajaj Allianz My Health Care Plan the organ donor expenses are covered up to SI
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, Maternity Cover is available.
For SI 5 to 10 L - INR 50,000
For SI 15 L to 20 L - INR 75,000
For SI above 20 L - INR 1,00,000
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments
can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, the newborn baby cover is available
For SI up to 4 L - INR 1 L
For SI 5 L to 10 L - INR 5 L
For SI 15 L to 50 L - INR 10 L
For SI Above 50 L - INR 15 L
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, AYUSH treatment is covered up to SI.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, IVF is not available.
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, modern treatments are covered.
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, ambulance cover is available up to SI.
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, the air ambulance is not covered.
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, compassionate travel is not covered.
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, global coverage is covered as an optional cover.
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, E-consultation is covered.
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Bajaj Allianz My Health Care Plan?
Under the Bajaj Allianz My Health Care Plan, a health check-up is available once every policy year.
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan does not cover the expenses for a second medical opinion.
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Bajaj Allianz My Health Care Plan?
Bajaj Allianz My Health Care Plan does not cover vaccination expenses.
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Bajaj Allianz My Health Care Plan?
Co-pay is applicable under the Bajaj Allianz My Health Care Plan
Mandatory 10% co-pay applicable if you chose international emergency coverage
5/10/15/20% voluntary co-pay is available
What is the Sub limit?
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total
sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Bajaj Allianz My Health Care Plan?
Sub-limits are not applicable.
Bajaj Allianz Health Insurance Network Hospital List
Bajaj Allianz Network Hospitals have a vast presence 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.
We have calculated the below premiums to be paid as per policy tenure, for an individual of 30 years for inbuilt coverage and not optional coverage excluding GST.
1 Adult
Sum Insured (In Rs.)
10 L
30 L
50 L
1 Cr
5 Cr
Premium Paid (In Rs.)
13,346
18,875
22,007
28,866
79,862
1 Adult + 1 Child
Sum Insured (In Rs.)
10 L
30 L
50 L
1 Cr
5 Cr
Premium Paid (In Rs.)
16,099
22,782
26,540
34,875
96,142
2 Adults
Sum Insured (In Rs.)
10 L
30 L
50 L
1 Cr
5 Cr
Premium Paid (In Rs.)
18,684
26,425
30,811
40,412
1,11,808
Bajaj Allianz My Health Care Plan Exclusions
Permanent Exclusions
Permanent Diseases or health conditions that are not included under the Bajaj Allianz My Health Care Plan are mentioned below:
Obesity and weight management surgeries
Change of gender treatments
Cosmetic or Plastic Surgeries
Sterility and Infertility Treatments
Coverage after Waiting Period
Certain diseases and treatments are covered under this plan after a specific period of time that are mentioned below
Bajaj Allianz My Health Care Plan is a versatile health plan offering 360-degree protection to customers. On purchasing the health plan you can opt to cover family members along with yourself. With a plethora of benefits and features, it is an ideal
healthcare plan for people who want a highly customizable plan. With multiple optional covers like loss of income, international medical care, and major illness and accident coverage Bajaj Allianz My health plan provides efficient protection for
you and your loved ones.
Explore other Bajaj AllianzHealth Plans
Bajaj AllianzHealth 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.
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 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.
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.
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.
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 My Health Care Plan: FAQ's
1. What are the eligibility criteria for Bajaj Allianz My Health Care Plan?
The eligibility criteria for the Bajaj Allianz My Health Care Plan are 18 to 65 years for adults, meanwhile, dependent children can be covered from 3 months to 30 years.
2. What are the various sum insured options available under the Bajaj Allianz My Health Care Plan?
The various sum insured options available under the My Health Care Plan by Bajaj Allianz range between INR 3 Lakhs to 5 Crores.
3. Is maternity cover available under the Bajaj Allianz My Health Care Plan?
Yes, maternity coverage is available under the My Care Health Plan by Bajaj Allianz.
4. Is tax benefit available under the Bajaj Allianz My Health Care Plan?
Yes, all the premiums paid towards the Bajaj Allianz My Health Care Plan are eligible for tax benefits as per the Income Tax Act of India.
5. What is the optional coverage available under the Bajaj Allianz My Health Care Plan?
There are various optional coverages offered by Bajaj Allianz My Health Care Plan:
Read what customers have to say about Bajaj AllianzHealth health insurance.
Raj Kumar
Bhopal
October 16, 2023
Invested in a senior citizen health insurance with Bajaj Allianz for my parents and the coverage benefits are very helpful
Riya Chatterjee
Pune
October 9, 2023
Recently purchased a senior citizen plan from Bajaj Allianz and it provided my parents with wellness benefits and annual health check-ups that are useful for me as I stay away from my family.
Rishabh Singh
Chandigarh
October 9, 2023
Quick and efficient response from customer care of Bajaj Allianz when it comes to claim settlement queries.
Priyanka Kumari
Guwahati
October 9, 2023
Provides different options in health insurance and offers unique benefits. I purchased a maternity plan from Bajaj 2 years ago and now I am planning to start a family. Bajaj Allianz has been ve...
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.
Sahil is a passionate content writer with over two years of expertise in the insurance domain. He uses his knowledge in the field to create engaging content that the customer can relate to and understand. His passion lies in simplifying insurance terminology, ensuring a hassle-free understanding for potential policyholders. With his outstanding collaborative efforts with people, he understands different perspectives and keeps readers' viewpoints at the forefront of his content writing approach.
