Individual Health Insurance Plans

Invest in your health and stay protected

Comprehensive Health Insurance Plans

Personal health insurance for you

Why choose Bajaj Allianz Individual Health Insurance?

Happiness is good health that is protected by a comprehensive health insurance policy. A health insurance plan is a must-have to guard yourself and your loved ones from sky-high medical bills.

Our Individual Health Insurance plan ensures that you are covered in case of a medical emergency and proper care is available to you without exhausting your finances. You can also avail our Individual Health Insurance policy for each of your family members. We cover your medical expenses incurred due to hospitalisation, critical illness, accidents and other unforeseen events. What’s more, you can also avail cashless treatment at over 6,500+ network hospitals with a Bajaj Allianz health insurance plan.

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We offer a whole lot when it comes to individual health insurance

Key Features

Our Individual Health Insurance policy features provide a holistic health insurance solution. Read on to know more about our individual medical insurance policy and its key features:

Multiple sum insured

Covers extended family

Covers Ayurvedic and homoeopathic treatment

Covers daycare procedures

Convalescence benefit

Bariatric surgery cover

Sum insured reinstatement

Covers pre and post hospitalisation

Covers road ambulance expenses

Covers organ donor expenses

Daily cash benefit

Maternity/ new born baby cover

Individual Health Insurance with a range of benefits. Watch the video to know more.

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim by Direct Click (CDC)

Cashless Claim Process

Reimbursement Claim Process

LET'S SIMPLIFY HEALTH INSURANCE

What is Individual Health Insurance?

What is the eligibility for Individual Health Insurance?

What is the Health Administration Team?

Why invest in a comprehensive Individual Health Insurance policy?

I am young and healthy. Do I really need health insurance?

What sum insured options do I have under the Individual Health Insurance policy?

What is the zone-wise premium?

OUR HAPPY CUSTOMERS!

Rama Anil Mate Mumbai

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu Mumbai

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra Mumbai

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Don’t wait for a medical emergency to knock on your door!

Get a Quote

That’s not all, here are the additional benefits with your Individual Health Insurance

Our Individual Health Insurance plan provides extensive coverage with multiple benefits:

Renewability

You can renew your Individual Health Insurance policy for your entire lifetime.

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.*

Hassle-free claim settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process....

Preventive health check-up

Free preventive health check-up at the end of a continuous period of 3 years during which your Individual Health Insurance policy is active.

Portability benefit

If you are insured under any other health insurance policy, you can switch to this policy with all accrued...

Long-term policy

This policy can be purchased for a period of 1, 2 or 3 years.

Discounts up to 20%

Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as family...

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Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Individual 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.

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Hassle-free claim settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet. 

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Portability benefit

If you are insured under any other health insurance policy, you can switch to this policy with all accrued benefits (after due allowances for waiting periods) to enjoy all the benefits of the policy.

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Discounts up to 20%

Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as family discount up to 15%, long-term policy discount up to 8%, co-payment discount and more.

Important points to note before buying Individual Health Insurance

Pre and post hospitalisation cover

Covers pre and post hospitalisation expenses up to 60 and 90 days respectively.

Family cover

Covers your entire family including your parents, parents-in-law, grandchildren, and dependent siblings.

Ambulance cover

Covers ambulance charges subject to a limit of Rs 20,000 in a policy year.

Daycare treatment cover

Covers expenses for all listed daycare treatments.
In case of pre-existing diseases, a waiting period of 3 years will be applicable
Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from coverage, except injuries caused due to an accident.
A waiting period of 2 years is applicable for diseases such as a hernia, piles, cataract and sinusitis.
In case of a bariatric surgery, joint replacement surgery and prolapsed intervertebral disc, a waiting period of 3 years is applicable.
Treatment for use of intoxicating and/or addictive substances like alcohol, drugs, etc will not be covered.
A waiting period of 6 years for maternity and newborn baby expenses.

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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.