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What’s in it for you?
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.
One of the highest count of network hospitals.
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
Sudden hospitalization can be tough, on not just health but also finances. Let us take care of the latter.Learn more
Age gracefully without a worry. Silver Health helps senior citizens cover various medical expenses.Learn more
Life is complex, our insurance simplifies things. A single policy takes care of everything from health risks to baggage.Learn more
Comprehensive health protection for you and your family, so that you leave nothing to chance.Learn more
A unique family floater health policy, Tax Gain is a smart move that brings you the best both worlds.Learn more
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
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
Custom made plans for all age groups
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 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.
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
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.
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.
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!
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.
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.
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:
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:
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.
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.
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.
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.
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.
Your coverage amount depends on your lifestyle, medical background, pre-existing diseases, members of your family, annual income, residential address and age.
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.
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.
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.
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.
You can make the premium payment using the following modes:
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.
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.
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