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Cheap Health Insurance

Health Insurance Plans that are low on premium

Cheap Health Insurance

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During the claims process, 35-year-old Ramesh Narayan was shocked to find that he had to bear 25% of the room rent and doctor’s consultation fee out of his own pocket. To save premiums upfront, Ramesh had opted for a cheap health insurance plan with sub-limits on these essentials.

Ramesh and many others like him make the fundamental mistake of choosing Cheap Health Insurance Plans that are low on premium but lack features that can be handy in an emergency. While protecting your most prized asset - your health -money should be the last thing on your mind.

Our advice: Purchase a health insurance plan  that offers comprehensive coverage, meeting your health insurance needs at a cost-effective price point.


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:
The Diseases Covered

The Diseases Covered

Warning! Myth Buster Ahead. Health insurance does not provide coverage for every disease. Read more

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.

Network Hospitals

Network Hospitals

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. Read more

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.

Add-on Features

Add-on Features

Hospitalization expenses may be a major chunk of your medical bills, but there are other charges that have to be paid too. Read more

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.

Don’t wait for a medical emergency to knock on your door!

Get a Quote


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:

  • Quick Settlement of Claims

    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. 

  • Cashless and Carefree

    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. 

  • 24X7 Support

    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.

  • Gamut of Policies

    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.

  • In-house Health Administration Team

    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!

  • Extensive Coverage

    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. 

  • Instant Renewal

    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.


  • Inclusions

  • Exclusions

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

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Customer Reviews & Ratings

Juber Khan

Sundar Kumar Mumbai

Easy online buying of health insurance policy with no manual intervention required.

Juber Khan

Pooja Mumbai

Bajaj Allianz very informative and helpful representatives.

Juber Khan

Nidhi Sura Mumbai

The policy issue was very quick and simple. User friendly interface.

 Written By : Bajaj Allianz - Updated : 30th April 2024


I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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