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Health Insurance
An All-rounder Health Cover to Guard Your Family
Coverage Highlights
Get comprehensive coverage for your healthChoose from Best of Plans
Choose from multiple plans to meet your requirements
Wide Sum Insured Options
Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore
Unlimited Reinstatement Benefit & Recharge
Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
Preventive Health Check-Up
Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan
Online Discount
Get flat 5% discount when you buy a policy on our website or our Caringly Yours app
Zone Discount
Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live
Fitness Discount & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?Save 10% and 15% on premiums if 2 or 3 members sign up for a plan respectively
Enrol more members to lower the premium amount
Save 20% on premiums if you opt for co-payment option
Paying a certain percentage of the medical bills from your own pocket further helps you avail discounts
Long term policy savings of 4% for 2 years and 8% for 3 years
Opting for a long policy tenure results in further savings
Get tax benefits on premiums paid under section 80D of Income Tax Act, 1961
The premiums paid qualify for tax exemption under section 80D
Get free preventive check-up every 3 years, irrespective of the number of claims made
Know the present condition of your body through a comprehensive check-up at our expenses
Get 10% cumulative bonus, maximum up to 100% for every claim free year
Raises the sum insured at no extra premium to help tackle rising medical costs
Note
Please read policy wording for detailed terms and conditions
Exclusions
What’s not covered?01
Cosmetic treatments
02
Dental treatments (non-traumatic)
03
Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded until 24 months from date of your first Health Guard Policy
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?Air Ambulance Cover (Available for SI 5 Lacs & Above)
Covers expenses incurred for rapid ambulance transportation to the nearest hospital in an airplane or helicopter from the first incident site of illness or accident during policy period
Voluntary Aggregate Deductible
Covers medical expenses for in-patient hospitalisation beyond the voluntary aggregate deductible limit (INR 50,000/ INR 1,00,000/ INR 2,00,000/ INR 3,00,000) as opted as per policy terms for in-patient hospitalisation treatment
Health Prime Rider
Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & nutrition consultations as per the chosen plan
Respect Rider (Senior Care)
Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service
Room Capping Waiver
Removes the room type restriction of "up to single private air-conditioned room" for Health Guard Gold and Platinum plans and provides coverage for actual room rent expenses without a limit
More Add-Ons
Explore more add-ons to enhance coverage
Finding affordable and cheapest health insurance in India is important. These plans cater to individuals and families seeking comprehensive coverage at budget-friendly premiums. These plans typically offer basic to moderate coverage for hospitalisation, outpatient treatments, and sometimes pre-existing conditions. They are designed to provide financial protection against unexpected medical expenses without burdening the policyholder financially.
The cheapest health insurance in India often comes with limitations, such as sub-limits on certain medical expenses or co-payment requirements. These are ideal for individuals looking to secure essential healthcare services without compromising quality, ensuring peace of mind during health emergencies while managing costs effectively.
Compare Insurance Plans Made for You
Plans |
![]() Health Guard Silver |
Health Guard Gold |
Health Guard Platinum |
---|---|---|---|
Hospital & Day Care SI | INR 1.5/ 2 Lacs | INR 3 Lacs to INR 50 Lacs | INR 5 Lacs to INR 1 Cr. |
Room Limits | Up to 1% of SI per day and ICU at actuals | Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals | Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals |
Pre- & Post-Hospitalisation | Pre: 60 days & Post: 90 days | Pre: 60 days & Post: 90 days | Pre: 60 days & Post: 90 days |
Organ Donor, AYUSH, Modern Treatments | Up to sum insured | Up to sum insured | Up to sum insured |
Road Ambulance | INR 20,000/policy year | INR 20,000/policy year | INR 20,000/policy year |
Preventive Check-Up | 1% of SI (max up to 2,000) once in 3 years | 1% of SI (max up to 5,000) once in 3 years | 1% of SI (max up to 5,000) once in 2 years |
Maternity & Newborn Care | Not covered | As per limits specified | As per limits specified |
Convalescence Benefit | INR 5,000/policy year | INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above | INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above |
Sum Insured Reinstatement | 100% of the base sum insured | 100% of the base sum insured | 100% of the base sum insured |
Wellness Discount | Up to 12.5% wellness discount for healthy habits on renewal | Up to 12.5% wellness discount for healthy habits on renewal | Up to 12.5% wellness discount for healthy habits on renewal |
More Covers | See Policy documents for more details |
Here are the various types of affordable health insurance plans that cater to different needs:
Types | What it Covers |
Individual Health Insurance | Provides coverage for medical expenses of a single person, including hospitalisation and treatments. |
Family Floater Health Insurance | The entire family (spouse, children, parents) is covered under a single policy with a shared sum insured. |
Senior Citizen Health Insurance | Specifically designed for individuals above 60-65 years, offering coverage for age-related health issues. |
Critical Illness Insurance | Offers a lump-sum payment if diagnosed with specified critical illnesses like cancer or heart attack. |
Group Health Insurance | Covers a group (e.g., company employees) under a single policy, providing healthcare benefits. |
Top-up Health Insurance | Provides additional coverage at a lower premium once the basic sum insured is exhausted. |
Personal Accident Cover | Provides compensation for death, disability, or injury due to an accident, often irrespective of location. |
Maternity Health Insurance | Covers expenses related to pregnancy, childbirth, and post-natal care, including complications. |
Mediclaim Insurance | Reimburses hospitalisation expenses incurred due to illness or injury, subject to policy terms. |
Disease-specific Insurance | Covers specific illnesses like COVID-19 (e.g., Corona Kavach), offering tailored medical coverage. |
Hospital Daily Cash Insurance | Pays a daily cash benefit during hospitalisation to cover incidental expenses unrelated to treatment costs. |
For us here at Bajaj Allianz, nothing matters more than your satisfaction. That is why, instead of jumping on the cheap health insurance bandwagon, we have tailored our Health Insurance Plans to meet your unique needs at different stages of life. Offering you complete peace of mind, when you avail our policy, you get:
On average, we approve your claims settlement in under an hour! Also, with our Claim by Direct Click (CDC) feature, available on our app, you can raise claims up to Rs 20,000 saving time and money.
No matter where you are, our tie-up with the leading hospitals ensures you always find the one near you. With us, you can avail cashless treatment facilities at over 6000 hospitals across India.
Whenever you call us, you’ll always hear a warm voice on the other end of the line, including holidays. If you need help, all you need to do is call our Toll-free number 1800-209-5858 for claims assistance. You can also get regular updates on the status of your claim on the app.
Do you want a policy for yourself? Do you want comprehensive coverage for your entire family? Do you want to guard yourself against critical ailments or want to top-up your existing plan? We, at Bajaj Allianz, offer you a gamut of policies to meet your unique needs.
Offering you complete flexibility you can choose the sum insured, policy tenure and other features as per your requirements.
We deliver on our promise to settle your claims in the least possible time. Our dedicated in-house Health Administration Team sees your claim through to the finish (read settlement) line with Olympic style precision.
The team also takes care of any additional needs that you might have from time to time. Our aim, of course, is to make every second count when it comes to delivering on our promises!
From diagnosis to recovery, we are always by your side. Our policies cover pre- and post- hospitalisation expenses for 60 and 90 days respectively, offering coverage for day care treatment too. You also get cover for organ donor expenses, bariatric surgery, maternity expenses and Ayurvedic or homoeopathic hospitalisation.
Renewing your health insurance policy online is faster than ever. Just log on to our website, fill up the required details, make the payment and continue enjoying its benefits.
We also offer lifelong renewal options so that you are covered throughout your life.
Get instant access to your policy details with a single click.
Understanding these factors empowers you to compare plans and find the most affordable health insurance:
● Age: Generally, premiums increase due to higher healthcare risks associated with older demographics.
● Location: Areas with higher medical costs or disease prevalence will have higher premiums.
● Medical History: Pre-existing conditions can significantly impact your premium. Disclose all conditions accurately.
● Sum Insured: The maximum coverage amount you choose directly affects the premium. A higher sum insured offers more protection but costs more.
● Coverage Type: Comprehensive plans with pre- and post-hospitalisation coverage, OPD care, and critical illness coverage will have higher premiums than basic hospitalisation-only plans.
● Deductible Option: Choosing a higher deductible lowers your premium but increases your out-of-pocket expense for claims.
While it is an important factor, it is not just the premium amount that should influence your decision. Like other important decisions in life such as choosing a career, choosing a life partner etc, buying Cheap Health Insurance Plans entails putting under the microscope the following:
Warning! Myth Buster Ahead. Health insurance does not provide coverage for every disease.
You get hospitalised for a certain disease believing that the expenses would be taken care of by your health insurance plan, only to realise later that you need to dip into your savings for the costs incurred.
Therefore, it’s important to go through the policy minutely to know the medical ailments for which you get coverage.
Medical emergencies often arrive unannounced and in such a scenario, getting the best possible treatment at a top-notch hospital near your home can make a major difference.
Before opting for a health insurance plan, do check out the network of hospitals covered by the policy where you can receive cashless treatment.
Also, check the claim settlement process to ensure funds are not the roadblock for receiving high-quality care.
Hospitalization expenses may be a major chunk of your medical bills, but there are other charges that have to be paid too.
These include doctor’s consultation fees, cost of reports, expenses related to pre- and post- hospitalisation and much more.
While buying a health insurance plan, it’s vital to understand the add-on features available with the policy. See if your policy offers cover for these expenses that can drain your finances.
Balancing affordability with adequate coverage is key. Here are some tips for choosing low-cost health insurance:
● Assess Your Needs: Consider your age, health status, and potential medical risks to determine the level of coverage you need.
● Compare Online Quotes: Get quotes from multiple insurers to compare coverage options and premiums.
● Choose the Right Sum Insured: Avoid overspending, not under-insure. Choose a sum insured that covers your potential medical costs.
● Consider Deductibles: Opting for a higher deductible can lower your premium, but it also ensures you can manage the out-of-pocket expense in case of a claim.
*Claims are subject to terms and conditions set forth under the health insurance policy.
● Focus on In-Network Hospitals: Opting for cashless hospitalisation at network hospitals can help manage costs.
● Review Exclusions Carefully: Understand what's not covered by your plan to avoid surprises during a claim.
Track, Manage & Thrive with Your All-In-One Health Companion
From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
● Save 10% and 15% on premiums if 2 or 3 members sign up for a plan respectively. Enrol more members to lower the premium amount.
● Save 20% on premiums if you opt for a co-payment option. Paying a certain percentage of the medical bills from your own pocket further helps you avail discounts.
● Long term policy savings of 4% for 2 years and 8% for 3 years. Opting for a long policy tenure results in further savings.
● Get tax benefits on premiums paid under section 80D of Income Tax Act, 1961. The premiums paid qualify for tax exemption under section 80D.
● Get free preventive check-up every 3 years, irrespective of the number of claims made. Know the present condition of your body through a comprehensive check-up at our expenses.
● Get 10% cumulative bonus, maximum up to 100% for every claim free year. Raises the sum insured at no extra premium to help tackle rising medical costs.
Step-by-Step Guide
How to Buy
0
Visit Bajaj Allianz website
1
Enter personal details
2
Compare health insurance plans
3
Select suitable coverage
4
Check discounts & offers
5
Add optional benefits
6
Proceed to secure payment
7
Receive instant policy confirmation
How to Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Notify Bajaj Allianz about the claim using app
1
Submit all the required documents
2
Choose cashless or reimbursement mode for your claim
3
Avail treatment and share required bills
4
Receive claim settlement after approval
How to Port
0
Check eligibility for porting
1
Compare new policy benefits
2
Apply before your current policy expires
3
Provide details of your existing policy
4
Undergo risk assessment by Bajaj Allianz
5
Receive approval from Bajaj Allianz
6
Pay the premium for your new policy
7
Receive policy documents & coverage details
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24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
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Home Insurance Simplified
Home Insurance Cover
Easy online buying of health insurance policy with no manual intervention required.
Sundar Kumar
Mumbai
27th Jul 2020
Bajaj Allianz very informative and helpful representatives.
Pooja
Mumbai
27th Jul 2020
The policy issue was very quick and simple. User friendly interface.
Nidhi Sura
Mumbai
3rd Apr 2020
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