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.
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.
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.
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.
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!
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.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
Easy online buying of health insurance policy with no manual intervention required.
Bajaj Allianz very informative and helpful representatives.
The policy issue was very quick and simple. User friendly interface.
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