Health Insurance Plans and Mediclaim Policies

BAJAJ ALLIANZ HEALTH INSURANCE

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.

We deliver on our promises. Our claim settlement ratio has consistently been among the best in the industry. When you’re faced with tough times, you’ll find us right behind you as a pillar of support. We, at Bajaj Allianz General Insurance, are committed towards providing you with the right protection, at an affordable premium. We take worry off your plate so that you can relish the joys of life peacefully.

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.

 

...Show More

HEALTH INSURANCE FOR EVERYONE AND EVERY NEED

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

Bajaj Allianz’s Health Infinity Policy comes with new exhaustive benefits at competitive premiums and is a perfect product to take care of medical expenses for you and your family in case of unfortunate event of hospitalization for illness/ injury.

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

When it comes to your health, you need all the protection you can get. Extra Care Plus is an upgraded, top-up, additional cover (over and above your existing one) for wider health protection.

Buy now

Introducing M-Care health insurance policy from Bajaj Allianz. Insure yourself from mosquito borne diseases like Dengue Fever, Malaria, Chikungunya, Zika Virus etc.

Buy now

OTHER HEALTH INSURANCE SOLUTIONS

  • Arogya Sanjeevani

    Let us take care of the financial burden that might befall on you at the time of hospitalization with this health insurance policy.

    Learn more
  • Health Care Supreme

    What makes this policy ‘supreme’? Its flexibility and high sum insured options!

    Learn more
  • Hospital Cash

    Sudden hospitalization can be tough, on not just health but also finances. Let us take care of the latter. 

    Learn more
  • Silver Health

    Age gracefully without a worry. Silver Health helps senior citizens cover various medical expenses.

    Learn more
  • Star Package

    Life is complex, our insurance simplifies things. A single policy takes care of everything from health risks to baggage.

    Learn more
  • Health Ensure

    Comprehensive health protection for you and your family, so that you leave nothing to chance.

    Learn more
  • Tax Gain

    A unique family floater health policy, Tax Gain is a smart move that brings you the best both worlds.

    Learn more
  • Personal Guard

    Like a financial bodyguard, this policy covers you against bodily injury or death caused by accidents.

    Learn more
  • Critical Illness for Women

    A special policy for all the ladies out there, that covers you against the risk of 8 critical illnesses.

    Learn more
  • Premium Personal Guard

    Treat yourself as the VIP that you are, with a premium accident insurance cover of as high as Rs 25 lakh.

    Learn more
  • Extra Care

    Let us take good care of you with a Rs 10 lakh extension on your health cover for as low as Rs 2,500. 

    Learn more
  • Global Personal Guard

    Global Personal Guard includes almost everything you need in an emergency. It is a benefit policy that covers  you against accidents & injuries, no matter which corner of the world you’re in. 

    Learn more

Health Insurance that Is here for you

  • One of the top health insurance service providers in the country.
  • More than 15.9 lakh health insurance claims paid during the FY 2018-19.
  • Cashless claims facility at over 6,500+ hospitals across the country.
  • Cashless claim settlement within 60 minutes.
  • 24*7 call assistance for claims settlement.
  • In-house Health Administration Team (HAT) for faster claims processing.
  • Maximum coverage at affordable rates.
  • Easy to buy/renew online insurance policies.
  • Quick claim settlement through our app via Health Claim by Direct Click.

WHY BUY HEALTH INSURANCE WITH US?

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:

Prev
Next

Health Insurance helps you save your tax

This policy helps you save tax up to Rs 1 lakh under Section 80D of the Income tax Act against the premium paid.

     

     

  • On opting for Health Insurance policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years).
  • If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000.
  • As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens.
  • If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.
  •  

     

     

     

Benefits of BAJAJ Allianz Health Insurance

    • Access to better medical care: You can get your medical issues attended to by highly-qualified doctors at best-in-class hospitals, and also rope in specialists for rare conditions if it is covered in the scope of your medical insurance policy.
    • Avail preventive care: Prevention is better than cure. You can regularly undertake health check-ups without having to worry about paying medical bills.
    • Peace of mind: Relieve yourself from the constant worry of medical expenses that occur due to an unfortunate incident or emergency.
    • Cashless treatment: We have various tie-ups with hospitals across the country. You can opt for treatment at any of our ‘empanelled hospitals’ and avail their services without paying anything. Mention your policy details at the time of admission and we will take care of everything else.
    • Family floater: You can opt for a family floater health guard plan wherein all members covered under the policy can avail the sum insured amount in case of a medical emergency.

     

     

    • 24*7 customer support: We provide round-the-clock customer support to answer all your health insurance related queries and to provide a hassle-free claim settlement process.
    • In-house HAT: Our Health Administration Team provides complete support for all your claim settlement requests and also ensures quick settlements.
    • Claim settlement: Easy, quick and hassle-free claim settlement process. Cashless claim settlement can be done within 60 minutes, faster than the overall industry standard.
    • Easy buying and renewal: Easy to buy and renew the policy online. Lifetime renewability is also available.

     

     

Customer Stories

ASHISH JHUNJHUNWALA Customer Location

My happiness and satisfaction regarding my claim settlement which was approved within 2 days of making my claim, that too...

SUNITA M AHOOJA Customer Location

Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team

Reni George Customer Location

I would like to thank the team of Bajajallianz Vadodara,Specifically Mr. Hardik Makwana and Mr. Ashish Gupta...

Innovations for you

Settle claims for up to Rs 20,000 with Health Claim by Direct Click

Here's how:

  • 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 images of the bills and other important documents. Before uploading all the images write “Claimed for Bajaj Allianz for below Rs 20,000” on them.

  • Submit the claim for further processing.

Here’s how:

Pro-Fit

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

Pro-Fit

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.

  • Store health records:You can store your health insurance related documents and medical records on our secure cloud platform.
  • Track health parameters: Keep a track of your health parameters to see any potential risks. This can help with early diagnosis and treatment.
  • Health risk assessment: Track your health condition.
  • Health library: Our system allows you to get more information on your symptoms, diseases, conditions and also various tests and procedures. This helps to clear any misconceptions and misinterpretations that you may have.

Request Call Back

Please enter name Please enter valid mobile number Please select the checkbox

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.