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Key Features

  • Cashless treatment at 5700+ network hospitals and 1500+ diagnostic centers across India
  • Tax saving under Sec 80D
  • Claim settlement in an hour*
  • In-house health administration team
  • Exclusive Value Added Services to the customers

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Health Insurance

Bajaj Allianz Health Insurance Plans

Health insurance policy gives you access to the best medical care and treatment while being financially protected. In case of a health emergency, your mediclaim health care policy guarantees peace of mind and ensures that you and your family are protected from medical expenses while receiving the best treatment at a hospital of your choice.

Policyholders can avail multiple benefits like pre and post hospitalization expenses, cashless treatment, room rent, ambulance charges, and much more. The health insurance premium amount mainly depends on the sum insured amount as well as the number of members covered under the health insurance policy.

Bajaj Allianz offers a range of affordable health insurance plans. Health insurance plans by Bajaj Allianz are custom made to protect you against the rising healthcare costs. We have the highest claim settlement ratio among private insurers. We have medical insurance plans for all categories like:

Bajaj Allianz health insurance is known for its unique features and its services to the customers. At Bajaj Allianz, we understand the value of the customer's time as well as money, which is proven by the fact that the average claim settlement time taken by us averages at around 1 hour, one of the fastest in the entire industry. Another key aspect is the pricing of Bajaj Allianz health insurance plans, which is very competitive even though it is loaded with all the latest features and coverages. We also have a huge base of customers who have opted for medical insurance plans by Bajaj Allianz and are extremely satisfied with the services offered by us. You can also check out Health insurance reviews provided by our customers to learn more about their experiences with Bajaj Allianz medical insurance plans.

Scroll below to know more about our health insurance policies.


Health Insurance Policies

Individual Health Guard Insurance is an affordable health insurance policy that will shield you against rising medical costs incurred during hospitalization and medical emergencies.

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Health Guard Family Floater health insurance provides health cover for the whole family. It acts as a single umbrella under which you can protect the health of you and your family members.

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Life being uncertain takes you through many twists and turns. Accidents can happen with anyone anywhere and can create serious financial problems for the family and you may not be prepared for it.

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A critical illness policy can come to your rescue when diagnosed with critical illnesses like cancer, tumors or strokes etc. Its provides cover against higher treatment cost for such illnesses.

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Health Extra Care is a top-up health insurance plan that allows you to extend your existing health insurance cover by 2-3 times at a significantly lower cost, should the need arise.

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Why Bajaj Allianz Health Insurance

  • More than 1.4 lakhs Health Insurance claims processed successfully in 2015-16.
  • Cashless claims facility at over 5700+ hospitals and 1500+ diagnostic clinics across the country.
  • Average health insurance claim settlement time of 1 hour.
  • Value Added Service (VAS) partners providing special offers exclusively for our health insurance customers.
  • 24/7 call assistance for claims settlement.
  • In-house Health Administration Team (HAT)
  • One of the top health insurance service provider in the country
  • Maximum coverage at a very affordable price
  • Easy to buy/renew online insurance policies

Why Health Insurance?

Why Health Insurance

Health Insurance Helps You Save Your Tax

Bajaj Allianz health insurance policy helps you save tax up to Rs. 60000/- under Sec 80D against the premium paid for your policies. You can save tax as follows:

  • On the premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60
  • If the premium paid by an individual is towards a health insurance policy for his or her parents who are senior citizens of age 60 or more, the maximum health insurance benefit is capped at Rs 30,000
  • A taxpayer may therefore maximize tax benefit under section 80D to a total of Rs 55,000 if his age is below 60 and when the parents age is above 60
  • For those tax payer individuals who are of age 60 or more and are also paying medical insurance premium for their parents, the maximum tax benefit under section 80D would therefore be a total of Rs 60,000

Health Insurance Myths

Health Insurance Myths

Components of a Health Insurance Policy

  • Sum Insured : Simply put, this is the amount of cover that one can opt for. This is the maximum amount up to which the insured can get benefits in the event of a medical claim during a single policy year. How this works: Let us suppose that you take a cover for 5 lakhs sum insured. At the time of making a claim, if you use only 2 lakhs of that cover, then the remaining 3 lakhs can still be used by you during the remaining policy period.
  • Premium : This is the amount paid to insurance company when you purchase a medical insurance policy. The premium to a great extent depends on the sum insured you have chosen, apart from other factors like your age, medical condition and physical fitness at the time of taking the policy.
  • Pre and Post Hospitalization Expenses : Most health policies also compensate you for expenses that you would incur prior to getting hospitalized for a treatment, as well as for the recovery treatment post being discharged. These are for consultations, medicines, investigations, etc. related to the illness for which hospitalization has occurred. The duration for which this cover is given should be checked while you are taking the policy.
  • Co-Payment :Co-payment or Co-pay, as it is generally referred, is a fixed amount that a person has to pay of his overall mediclaim expenses while the remaining amount will be paid by the insurance company. For e.g. If your medical insurance plan has a 10% Co-Pay clause and your claim amount is Rs. 100000, you have to pay Rs 10000, while the insurer will pay Rs. 90000
  • Deductible :This is a fixed amount which the insured needs to first bear for each claim. The insurance company’s liability starts over and above this amount.
  • Ambulance Charges : This is an additional benefit offered by most health insurance policies. It compensates you for the charges that you incur when availing an ambulance service in case of an emergency to take the patient from home to hospital or from one hospital to another. The amount of cover provided differs from policy to policy.
  • Day-Care procedures : Due to growing medical advancement, certain surgical procedures do not require 24 hours of hospitalization (the basic requirement when one needs to avail a health insurance claim for treatment). These are called day-care procedures and these days health policies cover many such procedures as well, which is an added benefit.
  • Network Hospitals : Most insurance companies empanel, or tie-up with hospitals across the country to provide better medical services to their customers during their time of need. These hospitals are referred to as network hospitals. The advantage of getting treatment in these hospitals is that one can avail cashless facility. It is necessary that the insurance company is informed of the hospitalization so that they can authorize the hospital to not charge the customer.
  • In-House Claims Team v/s Third Party Assistance (TPA) : The insurance company’s own claim settlement team is called an in-house claims team, while TPA refers to third party/outsourced claims team. An in-house claims team enables the insurance company to directly deal with health insurance claims and provide the customer with fast and better service.

Other Health Insurance Plans

Health Care Supreme

Health insurance plan which will take care of the medical expenses at every stage of your life

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Hospital Cash

Hospital Cash Policy guards you and your family from increased financial burden during hospitalization.

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Silver Health

Health insurance policy exclusively designed for senior citizens, covering medical expenses

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Star Package

Provides a gamut of covers for various health risks, household contents, education grant.

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Health Ensure

The Health Ensure policy is the perfect health protection for you and your family.

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Tax Gain

Bajaj Allianz has designed a unique product - The Tax Gain plan, a Family floater health policy.

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Personal Accident

The accidental death or injury of a breadwinner, can create serious financial problems for the family.

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Critical Illness for Women

The perfect health insurance plan for every woman.

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Premium Personal Guard

PPG is a premium accident cover with sum insured up to Rs. 25 lacs.

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Awards and Recognitions

Economic Times Best Corporate Brand Award

Economic Times Best Corporate Brand Award

Bajaj Allianz General Insurance was conferred the Economic Times Best Corporate Brand Award as an outcome of Economic Times Best Brands Survey 2016, identifying the company as one of the best brands according to the consumers in urban India.


Best General Insurance Company 2015

Best General Insurance Company 2015

Bajaj Allianz General Insurance awarded Best General Insurance Company at the Vijayavani BFSI Excellence Awards 2015 to recognize the best-of-the-best practices of the BFSI industry based on strategy, customer service, security, future technological challenges and innovations.



Customer Reviews

4.75
Average Rating
Based on 3912 Ratings
5 star
2137
4 star
403
3 star
83
2 star
15
1 star
10
  • Sunil Vairagar

    28 Apr 2017, Aurangabad

    Very nice move by Bajaj Allianz by launching Mobile App #Insurance Wallet.
    Very simple procedure ever to claim with time saving. Also good response too. Thanks Bajaj Allianz
  • ASHOK BHANSALI

    28 Mar 2017, Kalewadi

    Excellent health product and great service.

Social Reviews


Health Insurance Resources

Frequently Asked Questions on Health Insurance
1. What all is covered under Bajaj Allianz health insurance policy?
  • Pre and post hospitalization expenses for 60 and 90 days respectively
  • In-hospital expenses, room rent and boarding expenses
  • Cashless treatment at over 5700 hospitals across India
  • Medical examinations
  • Physician fees/ Doctor Consultation fees
  • Ambulance charges
2. Is it okay to buy health insurance online?

The quick and hassle-free purchase process of Bajaj Allianz helps you to buy your health insurance policy very easily. In addition to that, we provide you with multiple payment options, which further eases your payment woes. You also get your policy issued online which saves you the effort of carrying the physical copy of your health policy. All these factors, along with the proactive customer support makes buying health insurance policy online a better alternative.

3. I have life insurance as my investment, do I need health insurance?

In today's world of riding medical costs, a health insurance cover is a must have. Unlike the life insurance policy, a medical insurance plan covers you against recurring heavy expenses related to your health. This way you are covered against sudden medical costs which might deplete all your savings. Hence, one should have a health insurance cover, even if you have a life insurance policy.

4. What are the key factor that determine the health insurance premium?

The key factors that determine the health insurance premium are as given below:

  • Sum insured amount
  • Age of the insured
  • Number of the members to be insured
  • Pre-existing disease
  • Add-on covers (optional)
5. Why should you consider buying a health plan from Bajaj Allianz?

At Bajaj Allianz, we understand the value of the customer’s precious time and hard earned money, which is proven by the fact that the average claim settlement time taken by us is around 1 hour, one of the fastest claim settlement in the entire health insurance industry. Moreover, the pricing of Bajaj Allianz Health Insurance plans is very competitive and loaded with all the latest features and best coverages.

  • Some features of Bajaj Allianz Health Insurance Plans
  • More than 1.4 lakhs Health Insurance claims processed successfully in 2015-16.
  • Cashless claims facility at over 5700+ hospitals and 1500+ diagnostic clinics across the country.
  • Average health insurance claim settlement time of 1 hour.
  • Value Added Service (VAS) partners providing special offers exclusively for our health insurance customers.
  • 24/7 call assistance for claims settlement.
  • In-house Health Administration Team (HAT)
  • Maximum coverage at a very affordable price
  • Easy to buy/renew online insurance policies
6. How to choose the Best health Insurance Plan?

In India, there are a variety of medical insurance plans such as individual health plans, critical illness, family floaters, senior citizen health plans, women-oriented health plans, etc. However, it is important you choose the right plan that will suffice your needs without stressing you financially.

Here are few tips to consider while choosing the best health insurance plan:

  • Check your Requirements : To choose the right medical insurance policy evaluate the number of dependents, their age and health conditions. Before choosing a plan make sure it covers all your requirements.
  • Compare Plans : Never buy the first plan which you come across. Go online or visit different insurance companies and compare them in terms of premiums, features, offers and discounts and then accordingly choose a plan that satisfies your needs.
  • Network of Hospitals : The higher the number of empaneled hospitals and diagnostic center the more convenient your claim settlement process will be. So choose a health insurance plan and company accordingly.
  • Sub-Limit : Due to rising treatment costs, companies have introduced sub-limit in health insurance policies. It means that your insurer specifies a cover limit for your expense and anything above will be borne by you.
  • Maximum Age Renewal : Choose a health insurance plan which can renew your policy to the maximum age of around 65 to 70 years. It will help you stay financially covered during your old days.
7. How to avail cashless hospitalization facility?

When you get admitted to any of our network providers/hospitals the medical bills of hospitalization would be paid directly by us. So, with Bajaj Allianz you can avail cashless treatment at 5700+ network hospital and 1500+ diagnostic centers across India.

Or

To avail cashless benefits one simply needs to visit any our 5700+ network hospitals or 1500+ diagnostic centers across India. Any treatment undertaken from these centers will be completely cashless and the bill for the same will be paid directly by us.

8. How to avail reimbursement facility?

To avail reimbursement facility, the insured person will be required to submit the cash memos and hospital bills to the insurance company. After verification of these bills, the insurance company willreimburse your medical expenses.

9. What is top-up health insurance?

A top-up health plan provides additional coverage for people who have an existing individual plan or a Mediclaim. In case your treatment costs exceed the basic coverage amount, then the top-up plan comes into play covering the remaining amount. A top-up plan can be utilized to cover the cost of only one treatment, post which its cover is exhausted.
For instance, Mr. Raj has a policy cover of 5 lakhs and a top-up plan of 3 lakhs. In case Mr. Raj has a serious illness wherein his treatments costs amount to Rs. 8 lakh, then his primary insurance plan will cover 5 lakhs and the remaining 3 lakhs will be covered under the top-up plan.

10. What is maternity insurance?

Maternity insurance is a plan that covers the cost of pregnancy, labor, delivery, newborn baby care and even the cost of the ambulance to bring the to-be mom to the hospital. It is applicable for both caesarean and normal delivery.

11. Are health insurance policies available to foreign National?

Yes, health insurance policies are available for foreign nationals. Foreigners can buy any and all types of insurance policies in India, provided they have a valid work permit and visa. These health insurance policies will provide protection within India alone.

12. What is health insurance premium calculator?

A health insurance calculator is an online tool that helps you arrive at your ideal premium amount. It takes into consideration your age, monthly income, number of dependents and other parameters to calculate a premium that is specific to your needs and criteria. It is extremely beneficial for people who are short on time and helps simplify the whole financial calculation process.

13. How to apply for health insurance?

You can apply for health insurance policies online, by phone, with in-person help, through an insurance agent or broker, or mail a paper application to the desired insurance company.

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Health Insurance Terms Demystified
1. What are pre and post hospitalization medical expenses cover?

Pre and post hospitalization medical expenses cover refers to the feature where the insured is covered against relevant medical expenses incurred for certain number of days, both prior to and after the event of hospitalization.

2. What is a deductible in health insurance policy?

Deductible is the fixed amount that an individual has to pay by himself for his health care/medical expenses before the insurance company pays for the same. Once a person has paid for his/her deductible, the rest of the amount is taken care by the insurance company.

3. What do you mean by day care medical treatment?

Day care treatments are such medical procedures (surgeries or treatments) which can be completed in less than 24 hours. In such case, even though a person is hospitalized, he/she doesn’t have to stay in the hospital for more than 24 hours.

4. What is a No-claim bonus?

A No-Claim Bonus (NCB) is an additional benefit provided to the customer, if they haven't made any claim in the policy year. The benefit can be in the form of additional discount or increase in the sum insured of the customer

5. Pre-existing disease and Waiting Period

Pre-existing diseases are those type of diseases/conditions which a person has prior to buying a medical insurance policy. Hence, any pre-existing disease/condition has to be declared by a customer at the time of buying the medical insurance plan. The premium amount is one of the key factor in computing the health insurance premium. Another key factor to keep in mind is that the pre-existing diseases have a waiting period (which differs from company to company). Hence, it is better to take a policy at an early age so that you can skip the waiting period clause or to make sure that you are eligible to avail full benefits of your medical insurance policy.

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Latest Updates

  • Bajaj Allianz launches revised individual and family floater health insurance plans.
  • Bajaj Allianz is incorporating Yoga in its health insurance wellness packages
  • Exclusive Value Added Service by Bajaj Allianz health insurance

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