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Health Insurance
Bajaj Allianz State wise Health Insurance
Your State, Your Insurance
INDIA'S FIRST HEALTH INSURANCE TAILORED FOR EVERY STATE
Coverage Highlights
Comprehensive coverage for a worry-free tomorrow
Region-Specific Premiums
Adjusts your premiums as per the healthcare cost of your region from a range of 25 zones for to avail fair and local pricing
Festive Protection
Provides INR 1,000/day (up to 10 days) for emergency hospital stays during your state’s festival week
Healthy Life Reward - Walk to Win
Offers a 5% renewal discount if you complete 7,500 steps/day or 10% if you complete 10,000 steps/day 24 days a month, 9 months a year
Extensive Coverage Options
Covers robotic surgeries, AYUSH, organ donor costs, and more, with flexible sum insured options ranging from INR 5 to 20 lacs
Tailored Protection for You
Offers nationwide protection tailored to your region’s culture and needs, from Kashmir to Kanyakumari
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?In-Patient Hospitalisation Treatment
Offers comprehensive in-patient hospitalisation cover for your planned surgery or an unexpected illness to help you focus on your recovery not on your expenses
Hospital Room Coverage
Covers the cost of standard air-conditioned room ensuring you get the best care in a comfortable setting
ICU Cover
Covers your critical care expenses while ensuring you receive the best treatment without any financial burden
Pre-Hospitalisation Medical Expenses
Provides coverage for medical expenses for 30 days leading up to your hospital stay, ensuring you're prepared for the unexpected
Post-Hospitalisation Medical Expenses
Covers your post-hospitalisation medical expenses, including follow-up treatments and consultations, for up to 60 days after discharge
Day Care Treatment
Ensures that through advanced procedures you get back on your feet in less than 24 hours
Organ donor expenses
Offers coverage for organ transplant as per the policy terms, supporting the costs involved in the treatment
AYUSH Hospitalisation Cover
Coverage for ayurvedic, yoga, Unani, Siddha, and homoeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury
Road Ambulance
Covers emergency ambulance services to ensure you get swift and safe transport to the nearest medical facility
Domiciliary Hospitalisation
Ensures you receive the necessary medical care in the comfort of your home
Modern Treatment Methods and Advancement in Technologies
Covers modern treatments, like robotic surgeries and stem cell therapy, ensuring you have access to the latest medical advancements
Floater & Individual Sum Insured
Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan
Note
Please read policy wording for detailed inclusions
Exclusions
What’s not covered?Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a hospital
Cosmetic or Plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident, burn(s) or cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured are not covered
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing, scuba diving, hand gliding, sky diving, and deep-sea diving, are not covered
Dietary Supplements & Substances
Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances is not covered
Treatment for Self-Inflicted Acts
Medical expenses incurred as a result of self-harm, illegal actions, hazardous activities, etc. are not covered
Refractive Error
Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres are excluded
Unproven Treatments
Expenses related to any unproven treatment, services, and supplies in connection with any procedures or supplies that lack significant medical documentation to support their effectiveness stay uncovered
Sterility and Infertility
Expenses related to sterility and infertility, including any contraception, sterilisation and advanced reproductive technologies (such as IVF, ZIFT, GIFT, and ICSI), gestational surrogacy and reversal of sterilisation are not covered
Note
Please read policy wording for detailed exclusions
Additional Covers/Optional Covers
What else can you get?Sum Insured Reinstatement
Choose one-time or unlimited reinstatements each policy year for tailored, continuous protection
Procedure-wise/Disease-wise Sublimit
On opting for this sublimit, get a discount on premium up to 20%
Super Cumulative Bonus
Choose from three flexible growth options that match your health goals, get sum insured raised up to 200% as per the policy terms
No Claim Discount
1.5% discount on your next premium payment at renewal for every claim free year
Cashless Discount
Enjoy a 5% discount on your premium by choosing cashless claims at our network hospitals for no upfront payments. Reimbursement claims will require a 20% co-pay.
Accidental Death Cover
Get financial protection for your loved ones, ensuring they're cared for even when you can't be there due to personal accident
Health Prime Rider
Get coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet & nutrition consultations as per the chosen plan
What is AapKe Liye Health Insurance?
AapKe Liye is India’s first state-specific regional health insurance policy tailored keeping in mind the regional requirements. The plan is special due to its unique features, including festive-protect feature, policy premium, flexible sum-insured, no-claim discount, super cumulative bonus, etc. are all designed keeping in mind the healthcare expenses and needs of the people living in that state. The policy spans across 25 regions in India.
Benefits You Deserve
Personalized Coverage
Wide range of products & plans to suit your needs
Direct Discount
5% online discount
Zone Discount
Avail discount if living in Non-Metro up to 25%
Why Choose AapKe Liye Health Insurance?
Bajaj Allianz General Insurance Company has introduced a regional medical insurance plan that is not generic. It is customized to offer people a plan that matches their lifestyle, region, and needs, is customisable, and has optional covers. It stands out as compared to any other health insurance policy due to the following features.
● Culture-Specific Benefits: The festive protect feature provides ₹1,000/day (up to 10 days) for emergency hospital stays during your state’s festival week
● Fair & Accessible: Premiums are adjusted as per the healthcare cost of your region from a range of 25 zones to avail fair and local pricing making insurance affordable for all
● Flexible Sum-Insured: You have the option to choose your sum-insured from ₹5 lakhs to ₹20 lakhs based on your projection of healthcare expenses
● Walk-to-win: Renewal discount of 5% for 7,500 steps/day & 10% for 10,000 steps/day 24 days a month, 9 months a year
● Cashless Discount: Choose cashless claims at our network hospitals for no upfront payments and get a 5% discount on your premium. Reimbursement claims require a 20% co-pay.
● Super Cumulative Bonus: You get to choose your growth options that match your health goals. Raise your sum-insured up to 200%
North Eastern Region
North Eastern Region Health Insurance
North Region
North Region Health insurance
South Region
South Region Health Insurance
Kerala
നിങ്ങളുടെ കേരളം, നിങ്ങളുടെ ലക്ഷദ്വീപ് നിങ്ങളുടെ ഇൻഷുറൻസ്
- Ningalkkayi- Kerala (incl. Lakshadw
East Region
East Region Health Insurance
How Can You Buy Aapke Liye Medical Insurance?
Getting health insurance in your region is easy and hassle-free. Here's how you can go about it:
- ✅ Assess Your Needs: Decide the ideal sum insured based on your lifestyle and medical history.
- ✅ Understand the plan: Evaluate features like cashless hospitals in your region, room rent limits, pre and post-hospitalisation cover, add-ons, etc.
- ✅ Get in touch online: Visit the official website, enter your personal details like name and PIN code, and request assistance.
Download Policy Document
Get instant access to your policy details with a single click.
How Does AapKe Liye Health Insurance Work?
AapKe Liye is a health insurance policy designed with region-specific adjustments ensuring it is both comprehensive and relevant to local contexts. It ensures affordability and fairness by adjusting premium rates based on regional healthcare costs. The policy ensures that pricing remains equitable and reflective of local economic conditions.
AapKe Liye is structured to cater to nationwide customers in 25 designated regions across India. While the core coverage remains consistent across all regions, the policy differentiates itself through region-specific premium rates. These adjusted premiums reflect the varying healthcare costs and medical infrastructure of each region, ensuring that policyholders pay a fair price aligned with their local healthcare ecosystem.
AapKe Liye comes with several flexibilities. Starting with the choice of sum insured options ranging from ₹5 lakhs to ₹20 lakhs, lifetime renewal benefit, unlimited sum insured reinstatement, super cumulative bonus, cashless discount, to accidental death cover, this is a comprehensive health insurance policy. AapKe Liye offers a festive bonus of ₹1000 per day up to a maximum of 10 days, providing relief for hospitalisation during listed festivals in the region you belong.
Eligibility Criteria for AapKe Liye Health Insurance
An Indian citizen with a valid Aadhar card can avail of the benefits AapKe Liye has to offer in their zone. The plan expanses across India and has no age limit. From your newborn baby to the eldest member of your family, everyone is covered. It is a plan truly made AapKe Liye.
Documents Required for Aapke Liye Health Insurance
Purchasing the AapKe Liye policy is a simple process. You need the following basic documents that are standard for any health insurance to complete your process.
● Passport-Size Photographs: Your recent passport-size photographs
● Policy Proposal Form: Fill the policy proposal form offered by Bajaj Allianz General Insurance and submit it.
● Residential Proof: You can submit any of the following documents as proof of residence:
o Voter ID
o Passport
o Aadhaar card
o Electricity bill
o Driving license
o Ration card
● Age Proof: Any of the following documents can serve as proof of age:
o Passport
o Aadhaar card
o Birth certificate
o PAN card
o 10th and 12th class marksheets
o Ration card
● Identity Proof: The following documents are acceptable as proof of identity:
o Aadhaar card
o PAN card
o Driving license
o Voter ID
o Passport
Quick Links
Diverse more policies for different needs
Simple Steps To Buy Aapke Liye Health Insurance
Step 1: Visit the www.bajajallianz.com website
Step 2: Click on Products >> Under Health Insurance section >> AapKe Liye
Step 3: Click on “Get Quote”
Step 4: Enter your details and “Request a call”
Our team will get in touch with you shortly to help you complete purchasing AapKe Liye health insurance.
FAQ's
What is AapKe Liye Health Insurance?
AapKe Liye Health Insurance is a comprehensive health insurance plan to provide tailored coverage across 16 unique regions in India. It offers region-specific premiums, festive protection, and rewards for healthy habits among other benefits.
How does the region-specific premium work for this policy?
The premiums for AapKe Liye Health Insurance adjust according to the healthcare costs in your specific region. This ensures fair and local pricing across 16 zones in India.
What is Festive Protection in this policy?
During your state's festival week, AapKe Liye provides INR 1,000 per day (up to 10 days) for emergency hospital stays, ensuring you have extra support during festive times.
How can I earn a renewal discount with the Walk to Win program?
You can earn a 5% renewal discount by walking 7,500 steps daily or a 10% discount by walking 10,000 steps daily for 24 days a month, 9 months a year.
What types of treatments are covered in AapKe Liye Health Insurance?
The plan covers a wide range of treatments, including robotic surgeries, AYUSH treatments, organ donor costs, and more. You can choose from flexible sum insured options ranging from INR 5 lacs to INR 20 lacs.
What are the waiting periods for pre-existing diseases in this policy?
The waiting period for pre-existing diseases is 36 months, while the waiting period for specific diseases and procedures is 24 months.
What is the Super Cumulative Bonus feature in this policy?
This feature allows your health insurance coverage to grow over time. You can choose from three options: 25% of SI every year up to 100% of SI, 25% of SI every year up to 200% of SI, or 50% of SI every year up to 100% of SI. This means your coverage can increase significantly, providing you with enhanced protection as you maintain your health.
How is AapKe Liye Health Insurance different from other policies?
This policy is unique because it offers region-specific premiums, festive protection, and rewards for healthy habits. It also provides comprehensive coverage tailored to the cultural and healthcare needs of different regions across India.
Which festivals are covered under the Festive Protection benefit?
AapKe Liye has listed region-wise festivals for its festival week hospitalisation cover, making it the most apt regional health insurance. Along with festivals like Diwali, Eid, Christmas, Holi, and others celebrated across India, regional specials like Gangaur, Durga Puja, Bihu, Ugadi, etc., are also covered.
What is the coverage range offered under this plan?
With AapKe Liye state-wise health insurance plan, you have the option to choose the sum-insured from 5 lakhs to 20 lakhs, depending on your needs.
How is the festival benefit applicable?
Yes, if a person buys a policy from Bihar with a Bihar pincode and is travelling to Mumbai during Chhat Puja and happens to meet with an emergency situation, they will be eligible for Festive Protect.
Does the policy cover AYUSH treatments and robotic surgeries?
Yes, from Ayurveda to Homeopathy, AapKe Liye health insurance supports traditional treatments that complement modern medicine for a balanced approach. The regional health insurance also covers robotic surgeries and advanced treatment methods like stem cell therapy among others.
Is organ donor expense included in the coverage?
Yes, AapKe Liye cover supports the organ donor’s treatment for harvesting of the donated organ up to In-Patient Hospitalization Treatment.
What sum insured options are available in this plan?
AapKe Liye has the following sum-insured options to choose from: 5 lakhs/7.5 Lakhs/10 Lakhs/15 Lakhs/20 Lakhs
How does the cashless discount work if the claim is reimbursed due to no cashless facility?
If this cover is opted for, a 5% discount will be applied. In case the policyholder goes for a non-cashless facility voluntarily, a co-pay of 20% will apply for each claim. However, if the cashless facility cannot be extended to the insured due to circumstances beyond their control, we will not enforce the co-pay. This will be decided on a case-by-case basis.
How does the ‘Walk to Win’ reward affect my policy renewal premium?
At each renewal of AapKe Liye Policy with us, you are eligible for a wellness discount as per the below-mentioned criteria that should be fulfilled by you during the preceding policy year. Steps can be tracked through our mobile application — 7,500 steps daily for 24 days of every month, for a minimum of 9 months in a policy year, to get 5% & for 10,000 steps daily for 24 days of every month, for a minimum of 9 months in a policy year, get 10%.
What is the Eligibility Criteria to earn the “Walk to Win” Discount?
This discount and criteria are applicable for members aged 21 years and above. In case of long-term policy and floater policies, the criteria for the steps count mentioned here have to be met by each Insured Person every year in a long-term policy to be eligible for a discount at renewal — 7,500 steps daily for 24 days of every month, for a minimum of 9 months in a policy year, to get 5% & for 10,000 steps daily for 24 days of every month, for a minimum of 9 months in a policy year, get 10%.
In a long-term policy, how will the discount be calculated if the number of parameters achieved every year is different?
During renewal of long-term policies, the discount for each year will be calculated as per the corresponding parameters achieved in the previous tenure.
Can sum-insured reinstatement be carried forward to the next policy year?
The sum-insured reinstatement will not be carried forward in subsequent year. If the Date of Admission falls within the policy period, the SI reinstatement can be utilized to pay the claim for that hospitalisation, subject to other policy terms and conditions.
Why juggle policies when one App can do it all?
Download Caringly Yours App!
AapKe Liye - State wise Health Insurance
What makes our insurance unique
With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144
