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Health Insurance
INDIA'S FIRST HEALTH INSURANCE TAILORED FOR EVERY STATE
Coverage Highlights
Comprehensive coverage for a worry-free tomorrowRegion-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
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.
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 Region
South Region
Kerala
നിങ്ങളുടെ കേരളം, നിങ്ങളുടെ ലക്ഷദ്വീപ് നിങ്ങളുടെ ഇൻഷുറൻസ്
East Region
Getting health insurance in your region is easy and hassle-free. Here's how you can go about it:
Get instant access to your policy details with a single click.
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.
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.
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
Diverse more policies for different needs
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.
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.
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.
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.
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.
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.
The waiting period for pre-existing diseases is 36 months, while the waiting period for specific diseases and procedures is 24 months.
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.
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.
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.
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.
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.
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.
Yes, AapKe Liye cover supports the organ donor’s treatment for harvesting of the donated organ up to In-Patient Hospitalization Treatment.
AapKe Liye has the following sum-insured options to choose from: 5 lakhs/7.5 Lakhs/10 Lakhs/15 Lakhs/20 Lakhs
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.
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%.
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%.
During renewal of long-term policies, the discount for each year will be calculated as per the corresponding parameters achieved in the previous tenure.
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.
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