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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 6,000 network hospitals with a Bajaj Allianz health insurance plan.
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:
Enjoy the flexibility to choose between two plan variants along with sum insured options ranging from Rs 1.5 lakh to Rs 50 lakh.
This policy covers extended family members including parents, in-laws and siblings, on an individual basis.
As per the Gold Plan of the policy, in-patient hospitalisation expenses up to Rs 20,000 incurred in a recognised Ayurvedic/homoeopathic hospital are covered if the admission period is not less than 24 hours.
This policy covers medical expenses incurred during the treatment of listed daycare procedures or surgeries.
You will be eligible for a benefit payout of Rs 5,000 annually, in case of continuous hospitalisation for a period of 10 days or more and provided that your hospitalisation claim is admissible.
Bariatric surgery is covered under medical advice, subject to certain terms and conditions; under the Gold Plan.
If you completely exhaust your sum insured along with the cumulative bonus (if any) during the policy year, we will reinstate the same.
This policy covers pre and post hospitalisation expenses up to 60 days and 90 days respectively.
This policy covers ambulance expenses incurred up to Rs 20,000 incurred at the time of discharge.
This policy covers expenses towards organ donor’s treatment for harvesting of the donated organ.
A daily cash benefit of Rs 500 per day, for up to 10 days, during each policy year is provided as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim.
Under the Gold Plan, maternity expenses and medical expenses towards treatment of a newborn baby are covered, subject to certain terms and conditions.
Individual Health Insurance with a range of benefits. Watch the video to know more.
Bajaj Allianz General Insurance has introduced an app based claim submission process known as Health Claim by Direct Click.
This facility allows you to register and submit claim documents through the app itself for claims up to Rs 20,000.
What you need to do:
Cashless facility at network hospitals is available 24x7, throughout the year, without any interruption in service. The list of hospitals where cashless settlement can be availed is dynamic and liable to change without notice. You must check the hospital list before getting admitted. The updated list is available on our website and with our call center. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.
When you are opting for cashless claims, follow the steps given below:
Important points to note:
The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
Reimbursement of pre/post hospitalisation expenses:
Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.
Documents required for reimbursement claim
All original documents need to be submitted to the following address:
Bajaj Allianz House, Airport Road, Yerawada, Pune-411006.
Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.
Note: Keep a photocopy of the documents and courier reference number for your records.
This type of insurance provides an individual complete coverage against all medical treatments, hospitalisation, and critical illness and so on. If you are planning to insure your family using this policy, you have to buy a separate policy for each family member.
The eligibility to opt for Individual Health Insurance is as given below:
Entry age for proposer is between 18 years to 65 years.
Entry age for a child is between 3 months up to 30 years.
The Health Administration Team comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is a single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues related to health insurance customers.
A health insurance policy covers you from the severe financial impact that a medical emergency can cause. We cover all the key aspects like pre and post hospitalisation expenses, room rent, doctor’s fees, ambulance charges, etc. A corporate health cover is generally not sufficient to cover overall medical expenses, hence, a separate health insurance/mediclaim policy is a must-have.
Medical expenses are inching towards the sky and medical emergencies befall you without warning. A health insurance policy, irrespective of your age, is a safe bet to protect your savings from being hit should you be required to pay heavy medical bills.
You can choose a sum insured between Rs 1.5 to Rs 50 lakhs.
Delhi/NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat. Health insurance policyholders paying Zone A premium rates can avail treatment all over India without any co-payment.
The rest of India apart from Zone A cities are classified as Zone B. Policyholders paying zone B premium rates and availing treatment in Zone A city will have to pay 20% co-payment on admissible claim amount. This co-payment will not be applicable for accidental hospitalisation. Those residing in Zone B can choose to pay a premium for Zone A and avail treatment all over India without any co-payment.
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
You can renew your Individual Health Insurance policy for your entire lifetime.
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.
If you are insured under any other health insurance policy, you can switch to this policy with all accrued...
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...
Pre and post hospitalisation cover
Covers pre and post hospitalisation expenses up to 60 and 90 days respectively.
Covers your entire family including your parents, parents-in-law, grandchildren, and dependent siblings.
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.
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.
Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,000 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.
*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.
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.
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.