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To get the best healthcare available near you without breaking the bank, it’s paramount to invest in a sound health insurance policy for you and your family. Unfortunate events can surprise you, so it is important to safeguard your hard-earned funds from being spent on heavy medical bills.
When it comes to medical insurance, Bajaj Allianz General Insurance is at the forefront with a diverse range of affordable health insurance plans. They are customised to protect your savings from hospital bills. We respect your time and money and our offerings reflect our commitment to you. Bajaj Allianz General Insurance has the highest claim settlement ratio among private insurers. Your cashless claim can be settled within 1 hour – that’s faster than other health insurance companies.
An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day by day. In case if an accident or critical illness befalls you, it will cause a huge financial burden on you and your family. We understand this and hence, we offer various options and features when it comes to health insurance plans. We not only cover hospitalisation expenses, but also provide cover against critical illnesses, accident-related, maternity, consultations, check-ups and other such medical expenses.
Factors to consider while buying Health Insurance
You’re spoiled for choice when it comes to buying insurance because of the numerous health plans and covers available today. But you need all the information you can get before buying a medical insurance policy that suits your needs. To make your life simple, we’ve made a short list of factors you must consider while purchasing a policy.
Here they are:
Always opt for adequate cover and ensure that it is sufficient for you and your entire family.
Nowadays, most employees are covered by their company’s medical insurance. However, it is always an added benefit to select and purchase your own medical insurance plan after knowing all the terms and conditions.
It’s ideal to combine hospital cash, critical illness and other benefits in your base cover to avail some form of compensation for non-payable losses.
Always inform your insurer about any pre-existing diseases.
Always keep a note of covers and maximum limits.
A higher sum insured is always better as there is a constant rise in the cost of medical expenses.
It is advisable to check the insurance provider’s claim settlement record. You should always opt for a company with a good settlement record. This ensures that your claims are not wrongly withheld and prevents any unnecessary claim issues in the future.
Renew your policy on a continual basis. If there is a break between the expiry and renewal, you may lose the benefits of the insurance.
Choose an insurance provider that has an internal team to assist with claim and settlement process as they offer a better turnaround time and a seamless process.
Opt for a health insurance company that allows insurance portability. This way you have the benefit to change your insurance company and opt for a medical insurance policy better than your current one.
An insurance policy that is affordable and protects individuals against medical bills. Individual Health Guard Insurance is what you need should you find yourself hospitalised or in a medical emergency.Buy now
With this floater, your entire immediate family gets a health cover. Health Guard Family Floater protects you and your loved ones from heavy medical bills.Buy now
Illness does not come with a warning, but you can be prepared for the worst curveballs life has to throw. With our Critical Illness policy, get covered for high-cost treatments for life-threatening diseases such as cancer, tumours, strokes, etc.Buy now
Health Care Supreme
A health insurance plan that takes care of your medical expenses at every stage of life.Learn more
Guard yourself and your family against the financial burden of hospitalisation.Learn more
Specially designed for senior citizens, this policy provides protection against medical emergencies that are more likely to occur due to old age. Plan ahead and protect your future self from the burden of medical expenses.Learn more
Get coverage for various health risks, household items and education grants.Learn more
Comprehensive health protection for you and your family.Learn more
A unique family floater health policy that also offers tax benefit and tax management.Learn more
Those who have financial dependents on them must secure the future of their loved ones in case of unforeseen circumstances. Personal Guard policy covers the insured against bodily injury or death caused due to accidents.Learn more
Critical Illness for Women
Empowered health insurance that every woman needs.Learn more
Premium Personal Guard
A premium accident cover with sum insured up to Rs 25 lakh.Learn more
Add a Rs 10 lakh extension on your existing health coverage for as little as Rs 2,500.Learn more
Global Personal Guard
Guard yourself and your family against life’s uncertainties. With Global Personal Guard, protect yourself and your loved ones from any accidental medical emergency, anywhere in the world. This policy also covers you when you travel abroad.Learn more
We give you a few solid reasons to buy health insurance for yourself and your loved ones from us. Watch this short video to get the whole picture:
This policy helps you save tax up to Rs 1 lakh under Section 80D of the Income tax Act against the premium paid.
Bajaj Allianz’s team was really helpful in getting me through the entire process and getting the best deal for my parents.
Bajaj Allianz’s executive has given us extreme support and we would like to appreciate the same. Kudos
Claim settlements are so stress-free with company. Happy with the service too
Settle claims for up to Rs 20,000 with Health Claim by Direct Click
Log on to my insurance wallet.
Register your policy and card number on the app.
Register the claim in the My Claims section.
Fill in the claim form and arrange for hospital-related paperwork.
Proceed and upload /content/dam/amp of the bills and other important documents. Before uploading all the /content/dam/amp write “Claimed for Bajaj Allianz for below Rs 20,000” on them.
Submit the claim for further processing.
Our cloud-based wellness portal provides you with an easy way to keep track of yourself and your family's health conditions. Get rid of paper-based reports and have a secured access to all your vital health information anywhere and at any time. Sign up to learn more about our personal health report (PHR) and start using it.Read more
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