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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.

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.

 

Comprehensive health insurance plans to suit all your needs.

HEALTH INSURANCE FOR EVERYONE AND EVERY NEED

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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.

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health-ins-slider-family

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.

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category-circle-inner-critical-illness

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.

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Extra Care Plus

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.

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M Care Health Insurance Policy

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

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One of the highest count of network hospitals.

OTHER HEALTH INSURANCE SOLUTIONS

  • Health Care Supreme

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

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  • 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.

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  • Health Ensure

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

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  • 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.

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  • 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. 

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  • 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. 

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Custom made plans for all age groups

Health Insurance that Is here for you

  • One of the top health insurance service providers in the country.
  • More than 2.9 lakh health insurance claims processed in 2017-18.
  • 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:

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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.
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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

pankaj-kapur
Roshan Shah Bengaluru

Bajaj Allianz’s team was really helpful in getting me through the entire process and getting the best deal for my parents.

pankaj-kapur
Iqbal Surka Bengaluru

Bajaj Allianz’s executive has given us extreme support and we would like to appreciate the same. Kudos

pankaj-kapur
Bhubhan Sharma Bengaluru

Claim settlements are so stress-free with company. Happy with the service too

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.

LET'S SIMPLIFY HEALTH INSURANCE

What is Health Insurance?

Health Insurance is an insurance plan that provides comprehensive coverage against medical expenses, hospital bills, and other costs related to medical treatments. It protects the insured person against the financial risks that come with an illness or accidental injury.

What do I get with a Bajaj Allianz Health Insurance policy?

With our Health Insurance policy, you enjoy coverage for pre and post hospitalisation expenses for up to 60 and 90 days, respectively. The policy also covers in-hospital expenses, ambulance charges, room rent and boarding expenses. You can avail cashless treatment at over 6,500+ hospitals across India. We also cover medical examinations, physician fees/doctor’s consultation fees and ambulance charges, leaving you totally stress-free!

Should I be buying Health Insurance online?

If you want a quick and hassle-free purchase, buying online is the way to go. We are here to help you to buy Health Insurance easily and efficiently. Our multiple payment options will further ease your payment woes. Your medical insurance policy is issued online, which saves you the effort of ever carrying a hard copy. All these factors, along with proactive customer support, makes buying Health Insurance policy online a better alternative.

I’ve already invested in life insurance. Do I still need Health Insurance?

Life insurance is a great investment and death cover option but it won’t come in handy to pay rising medical bills. A Health Insurance cover is a solution to deal with hospitalisation and pay heavy medical expenses, should they arise. So, a Health Insurance plan is your cover against unexpected health-related costs that may threaten to deplete your savings.

What factors determine my Health Insurance premium amount?

The Health Insurance premium amount mainly depends on the sum insured and the number of members covered under the Health Insurance policy. Here are a few other factors that determine your Health Insurance premium:

  • Your age
  • Pre-existing diseases
  • Add-on covers (optional)

Why should I buy my Health Insurance from you?

Apart from the fact that we are an award-winning health insurance provider, Bajaj Allianz General Insurance’s goodwill is steeped in safeguarding your precious time and hard-earned money.
We have proven our commitment to this cause by ensuring that our average claim settlement time is around 1 hour. This period of 60 minutes is one of the fastest claim settlement durations in the health insurance industry.
Moreover, our pricing is competitive and loaded with all the latest features and best coverages. We make sure you get your money’s worth at every stage!
Here are a few features of our health insurance plans:

  • More than 1.4 lakh health insurance claims processed successfully in 2015-16.
  • Cashless claims facility at over 6,500+ hospitals across India.
  • Cashless claim settlement within 60 minutes.
  • 24*7 call assistance for claims settlement.
  • In-house Health Administration Team.
  • Maximum coverage at an affordable price.
  • Easy to buy/renew online medical insurance policies.

Tell me about the pre and post hospitalisation medical expenses that you cover.

Pre hospitalisation expense is as a result of tests, medication that would have to be undertaken prior to the hospitalisation for the treatment. Similarly, post hospitalisation expenses can be for recovery and medicines that need to be taken post the hospitalisation treatment. Pre and post hospitalisation are 60 and 90 days respectively.
When you fall sick, you usually consult your family physician and get relevant investigations done. On the advice of your physician, you get hospitalised for further treatment of the disease if required. These medical expenses incurred before hospitalisation are called pre hospitalisation expenses.
Post hospitalisation expenses include all expenses or charges incurred by you after you are discharged or after hospitalisation treatment is done. For example, the consulting physician may prescribe certain tests to ascertain your progress or recovery after surgery.

What is a ‘deductible’ in Health Insurance policy?

A deductible is a fixed amount that you have to pay at the time of claim that will not be reimbursed. At the time of settlement, we will pay the claim amount minus the deductible.

What does a day care medical treatment mean?

Daycare treatments are such medical procedures (surgeries or treatments) that can be completed in less than 24 hours. In such cases, even though you may be hospitalised, you don’t have to stay in the hospital for more than 24 hours.

Tell me about pre-existing diseases and waiting period.

Pre-existing diseases are those you may already know the existence of in your life before you buy a medical insurance policy. Hence, you must declare any pre-existing disease/condition at the time of buying a medical insurance plan.
One of the key factors to keep in mind is that the pre-existing diseases have a waiting period (which differs from company to company). Hence, by taking a policy at a young age you can only hope that by the time, and if you are diagnosed with a disease that falls under the pre-existing category, your waiting period will be complete. Also, you can ensure that you are eligible to avail full benefits of your medical insurance policy.

How can I save taxes with Health Insurance?

Bajaj Allianz General Insurance Health Insurance policy helps you save tax up to Rs 1 lakh under Section 80D against the premiums you pay. Here’s how you can save tax:
On the premiums you pay 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.

How much cover do I need?

Your coverage amount depends on your lifestyle, medical background, pre-existing diseases, members of your family, annual income, residential address and age.

What are the documents required while purchasing a Health Insurance plan?

For senior citizens, a medical check-up is required prior to buying insurance. A valid identity card, address proof, age proof and passport size photo are required for all policyholders.
Age proof: Birth certificate, Passport, Driver’s License, Voter ID card.
ID proof: Driving license, Passport, PAN card, Aadhaar card
Address proof: Electricity bill, Telephone bill, Ration card, Passport, Aadhaar card.

Can I cancel my Health Insurance policy?

Yes, you can cancel your Health Insurance policy. We provide a free period of 15 days from the date of policy issuance within that you can cancel the policy and avail a refund if you are not satisfied with it. However, your refund will be adjusted against any expenses incurred such as underwriting costs, medical check-ups and so on.

What is the Health Administration Team?

The Health Administration Team (HAT) comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is a single window assistance for healthcare related  services. This in-house team resolves issues related to health insurance customers. The team ensures faster claim settlement as a single point of contact. It is effective for quick resolution of customer queries by health insurance experts. It also controls claim settlements and customer service, given its in-house capabilities.

What happens to my policy after a claim is filed and settled?

After your claim is filed and settled, your insurance cover will be reduced by the amount that has already been paid to you. For example, if your policy was issued in January with a Rs 5 lakh coverage and if you claimed an amount of Rs 3 lakh in July, then a balance of Rs 2 lakh is available to you between August-December.

What are the modes available for the payment of premiums?

You can make the premium payment using the following modes:

  • Cheque or cash payment at our branch.
  • ECS
  • Online payment – Debit/credit card and net banking.

How can I check the status of my policy?

You can check the status of your policy online. Log onto our website with your user ID and password and enter the details of your policy – policy number, etc to check the status. Alternately, you can download our ‘customer portal’ app and check your policy status.

What is the difference between Health Insurance policy and mediclaim policy?

Mediclaim policy only provides cover against hospitalisation and treatment expenses for a defined pre-specified illness as per the sum insured. Health Insurance policy covers pre and post hospitalisation expenses.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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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.

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.

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