Medical expenses don’t show up with a warning. Your best bet to avoid spending your hard-earned life savings towards hospital bills is a robust health insurance policy.
With the Bajaj Allianz Family Health Insurance plan, each of your family members can avail an individual sum insured or you can opt for a Family Floater Plan. Your family enjoys cover from expenses incurred due to hospitalisation, doctor’s consultation, ambulance services, treatment charges and pre and post hospitalisation expenses.
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
Enjoy the flexibility to choose between 3 Plans variant along with the Sum Insured options ranging from 1.5 Lakh to 1 crore
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.
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.
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
My happiness and satisfaction regarding my claim settlement which was approved within 2 days...
Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...
Don’t wait for a medical emergency to knock on your door!Get a Quote
On-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.
Hassle-free claim settlement
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 6,500+ 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.
Preventive health check-up
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.
Discount on policy
Avail long term policy discount of 4% for 2 years and 8% for 3 years.
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)
VIKRAM ANIL KUMAR
I am truly delighted at the cooperation you have extended to me in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.
PRITHBI SINGH MIYAN
Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's
AMAGOND VITTAPPA ARAKERI
Excellence service by Bajaj Allianz, hassle free service, friendly site to customers, easy and simple to understand and operate. Thanks to the team for serving customers with all the happiness and pleasure ...
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Written By : Bajaj Allianz - Updated : 1st March 2022
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