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Family health insurance, also known as a family mediclaim policy, provides comprehensive health coverage for all family members under a single plan.
These health insurance policies for families are designed to offer financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. Medical insurance plans for families typically cover immediate family members, including spouses, children, and sometimes parents. Opting for health insurance plans for family ensures that you and your loved ones are safeguarded against unexpected medical costs, promoting better health and peace of mind.
What makes Bajaj Allianz Family Health Insurance Policy special? Read on to know more about the features of this policy:
Platinum Plan New
Super cumulative bonus of 50% per claim free year
Recharge Benefit New
To take care of claims where the claim amount exceeds your sum insured
Multiple sum insured options
Immediate family cover
This policy covers you, your spouse and your children.
Ayurvedic and homoeopathic treatment
Under the Gold & Platinum Plan, the policy covers in-patient hospitalisation expenses (up to Rs 20,000) incurred in a recognised Ayurvedic/homoeopathic hospital where the admission period is not less than 24 hours.
Daycare procedures cover
Medical expenses incurred during the treatment of listed daycare procedures or surgeries are covered under this policy.
Convalescence benefit
In case of continuous hospitalisation of more than 10 days, you will be eligible for a benefit payout of upto Rs 7500 per year, provided that the hospitalisation claim is admissible.
Bariatric surgery cover
Bariatric surgery is covered under medical advice, subject to certain terms and conditions.
Sum insured reinstatement
In case your sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, we will reinstate it.
Pre and post hospitalisation
The policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.
Road ambulance cover
This policy covers ambulance expenses incurred upto Rs. 20,000 during per policy period
Organ donor expenses cover
Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy.
Daily cash benefit
A daily cash benefit of Rs 500 per day, for up to 10 days during each policy year, will be payable as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim.
Maternity/newborn baby cover
Maternity expenses and medical expenses towards treatment of a newborn baby are covered under the policy subject to certain terms and conditions. This feature is available under the Gold & Platinum Plan.
Bajaj Allianz General Insurance has introduced an app based claim submission process known as Health Claim by Direct Click.
This facility allows you to register and submit claim documents through the app for claims up to Rs 20,000.
What you need to do:
Cashless facility at network hospitals is available 24x7, throughout the year without any interruption in service. You must check the hospital list before getting admitted to the hospital. Hospitals that provide cashless settlement are liable to change their policy without notice. The updated list is available on our website and with our call centre. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.
When you are opting for cashless claims, the process is as follows:
Important points to note:
Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.
Documents required for reimbursement claim:
All original claim documents need to be submitted to the following address:
Health Administration Team
Bajaj Allianz House, Airport Road, Yerawada, Pune-411006
Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.
Note: Keep a photocopy of the documents and courier reference number for your records.
Don’t wait for a medical emergency to knock on your door!
Get a QuoteOn-the-go claim settlement through Health CDC.
Wellness benefit : Maintain good health & get rewarded with wellness benefit discount upto 12.5% on your renewal
This policy comes with the benefit of lifetime renewal.
Avail income tax benefit under Section 80D of the Income Tax Act. Read more
*On opting for Family Health Insurance policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process.... Read more
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 18,400+ network hospitals* across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.
At the end of block of every continuous period as mentioned in coverage during which You have held Our Health Guard Policy, You are eligible for a free Preventive Health checkup.
If you and your loved ones are insured under any other family health insurance policy, you can switch to... Read more
If you and your loved ones are insured under any other family health insurance policy, you can switch to this policy with all accrued benefits after due allowances for waiting periods and enjoy the available benefits of the policy.
This policy can be purchased for a period of 1, 2 or 3 years.
Avail long term policy discount of 4% for 2 years and 8% for 3 years.
Purchasing a health insurance policy for family online from Bajaj Allianz General Insurance Company comes with numerous advantages.
The online process is quick and hassle-free, allowing you to compare different family health coverage plans and choose the best one for your needs. Bajaj Allianz General Insurance Company offers additional benefits such as wellness discounts, tax savings under Section 80D, and lifetime renewability of policies.
The in-house claim settlement team ensures a smooth and easy claim process, making it the best medical insurance for families. Opt for the best medical insurance plans for your family from Bajaj Allianz General Insurance Company to enjoy comprehensive coverage and peace of mind.
Bajaj Allianz General Insurance Company Health Guard Policy stands out as one of the best family health insurance plans due to its extensive benefits and features.
✓ Multiple sum insured options.
✓ Immediate family coverage.
✓ Includes AYUSH treatment.
✓ Recharge benefit for the sum insured.
✓ Sum insured reinstatement.
✓ Coverage for daycare procedures.
✓ Maternity/newborn baby cover.
✓ Bariatric surgery cover.
✓ Convalescence benefits.
✓ Comprehensive health insurance plans for the entire family.
Selecting the best health insurance plan for family requires careful consideration of factors that impact coverage and affordability.
Choose an adequate sum insured to cover all family members, especially those with pre-existing conditions or specific medical needs.
Premiums increase with the sum insured and the age of the eldest family member. Select an affordable option that provides comprehensive protection without straining your budget.
Bajaj Allianz General Insurance Company has a broad network of hospitals across India, offering cashless treatment to reduce upfront payment burdens during emergencies.
Ensure your plan includes expenses for doctor visits, diagnostic tests, and medications both before and after hospitalisation.
Check if daycare treatments are covered, as these don’t require a 24-hour hospital stay but can be costly.
Confirm if ambulance charges are included, as these can provide valuable support in emergencies or for planned treatments.
Deciding between individual health insurance and a family health insurance depends largely on your family’s age, medical history, and specific needs.
Parameter |
Individual Health Insurance |
Family Health Insurance |
Definition |
Covers one individual with a dedicated sum insured, ideal for tailored medical needs. |
Covers multiple family members under a single policy with a shared sum insured. |
Sum Insured Sharing |
Sum insured is exclusive to each person and cannot be shared. |
Shared sum insured among family members, with coverage utilised on a need basis. |
Key Advantage |
Every individual gets personalised coverage, which is beneficial for older members needing extensive care. |
Cost-effective single premium for family, especially beneficial for younger and healthier members. |
Ideal For |
Families with senior members or high-risk individuals needing specific coverage. |
Smaller, younger families without high-risk medical needs aiming for budget-friendly coverage. |
Focus |
Emphasis on tailored benefits and individual limits for better personal health management. |
Emphasis on affordable, comprehensive coverage with shared benefits among family members. |
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
(Based on 3,912 reviews & ratings)
ASHOK PRAJAPATI
I am very happy with the support I received this time and special thanks to Akanksha. She helped us out in getting the claim approved. We were so stressed from...
KAUSHIK GADHAI
Dear Mr. Gopi, A Very Big Thank You whole heartedly for helping out at every step of Insurance Approval during my Mother's cancer treatment...
SACHIN VERMA
Dear Gaurav, I'm grateful for the settlement of my father's health claim. As my father was admitted in Max-Patparganj from 19 to...
Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.
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Disclaimer
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.
The Health Administration Team comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is a single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues related to health insurance customers. The team ensures faster claim settlement as a single point of contact and is effective for quick resolution of customer queries.
The key components covered under our Family Health Insurance plan are quite comprehensive. You get cover from pre and post hospitalisation, medical bills, ambulance charges and a lot more.
Here are a few factors that will affect how much you pay towards a health insurance premium:
Under the Family Floater Health Insurance plan, you can cover yourself, your spouse and up to 4 dependent children. For parents, you can opt for a separate health insurance policy.
Following cities has been clubbed in Zone A:-
Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Kolkata, Ahmedabad, Vadodara and Surat.
Rest of India apart, from the states/UTs/cities classified under Zone A and Zone C, are classified as Zone B.
Following states/UTs have been clubbed in Zone C:-
Andaman & Nicobar Islands, Arunachal Pradesh, Bihar, Chandigarh, Chattisgarh, Goa, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Sikkim, Tripura, Uttarakhand
You can easily purchase a Bajaj Allianz General Insurance Company family health insurance plan online by visiting the official website. Choose a plan, fill in your details, and complete the payment process to secure coverage for your family.
Yes, Bajaj Allianz General Insurance Company medical health insurance for family covers pre-existing conditions after a specified waiting period. Refer to the policy details for information on the waiting period and terms.
Individuals from 18 years to lifelong can be covered, while dependent children up to 30 years are also eligible.
Yes, the best family medical insurance in India by Bajaj Allianz General Insurance Company offers a cashless facility at a wide network of hospitals across India.
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Disclaimer
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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