Bajaj Allianz State wise Health Insurance

Adjusts your premiums as per the healthcare cost of your region from a range of 25 zones for to avail fair and local pricing

Provides INR 1,000/day (up to 10 days) for emergency hospital stays during your state’s festival week

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

Covers robotic surgeries, AYUSH, organ donor costs, and more, with flexible sum insured options ranging from INR 5 to 20 lacs

Offers nationwide protection tailored to your region’s culture and needs, from Kashmir to Kanyakumari

Please read policy wording for detailed terms and conditions

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

Covers the cost of standard air-conditioned room ensuring you get the best care in a comfortable setting

Covers your critical care expenses while ensuring you receive the best treatment without any financial burden

Provides coverage for medical expenses for 30 days leading up to your hospital stay, ensuring you're prepared for the unexpected

Covers your post-hospitalisation medical expenses, including follow-up treatments and consultations, for up to 60 days after discharge

Ensures that through advanced procedures you get back on your feet in less than 24 hours

Offers coverage for organ transplant as per the policy terms, supporting the costs involved in the treatment

Coverage for ayurvedic, yoga, Unani, Siddha, and homoeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury

Covers emergency ambulance services to ensure you get swift and safe transport to the nearest medical facility

Ensures you receive the necessary medical care in the comfort of your home

Covers modern treatments, like robotic surgeries and stem cell therapy, ensuring you have access to the latest medical advancements

Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan

Please read policy wording for detailed inclusions

Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a hospital

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

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

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

Medical expenses incurred as a result of self-harm, illegal actions, hazardous activities, etc. are not covered

Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres are excluded

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

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

Please read policy wording for detailed exclusions

Choose one-time or unlimited reinstatements each policy year for tailored, continuous protection

On opting for this sublimit, get a discount on premium up to 20%

Choose from three flexible growth options that match your health goals, get sum insured raised up to 200% as per the policy terms

1.5% discount on your next premium payment at renewal for every claim free year

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.

Get financial protection for your loved ones, ensuring they're cared for even when you can't be there due to personal accident

Get coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet & nutrition consultations as per the chosen plan