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Individual Health Insurance PlansInvest in your health and stay protected

Comprehensive Health Insurance Plans

Personal health insurance for you

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What’s in it for you?

Covers pre and post-hospitalisation expenses

Multiple sum insured options

Covers extended family including parents, in-laws and siblings

Why choose Bajaj Allianz Individual Health Insurance?

Happiness is good health that is protected by a comprehensive health insurance policy. A health insurance plan is a must-have to guard yourself and your loved ones from sky-high medical bills.

Our Individual Health Insurance plan ensures that you are covered in case of a medical emergency and proper care is available to you without exhausting your finances. You can also avail our Individual Health Insurance policy for each of your family members. We cover your medical expenses incurred due to hospitalisation, critical illness, accidents and other unforeseen events. What’s more, you can also avail cashless treatment at over 6,500+ network hospitals with a Bajaj Allianz health insurance plan.

We offer a whole lot when it comes to individual health insurance

Key Features

Our Individual Health Insurance policy features provide a holistic health insurance solution. Read on to know more about our individual medical insurance policy and its key features:

  • Multiple sum insured

    Enjoy the flexibility to choose between two plan variants along with sum insured options ranging from Rs 1.5 lakh to Rs 50 lakh.

  • Covers extended family

    This policy covers extended family members including parents, in-laws and siblings, on an individual basis.

  • Covers Ayurvedic and homoeopathic treatment

    As per the Gold Plan of the policy, in-patient hospitalisation expenses up to Rs 20,000 incurred in a recognised Ayurvedic/homoeopathic hospital are covered if the admission period is not less than 24 hours.

  • Covers daycare procedures

    This policy covers medical expenses incurred during the treatment of listed daycare procedures or surgeries.

  • Convalescence benefit

    You will be eligible for a benefit payout of Rs 5,000 annually, in case of continuous hospitalisation for a period of 10 days or more and provided that your hospitalisation claim is admissible.

  • Bariatric surgery cover

    Bariatric surgery is covered under medical advice, subject to certain terms and conditions; under the Gold Plan.

  • Sum insured reinstatement

    If you completely exhaust your sum insured along with the cumulative bonus (if any) during the policy year, we will reinstate the same.

  • Covers pre and post hospitalisation

    This policy covers pre and post hospitalisation expenses up to 60 days and 90 days respectively.

  • Covers road ambulance expenses

    This policy covers ambulance expenses incurred up to Rs 20,000 incurred at the time of discharge.

  • Covers organ donor expenses

    This policy covers expenses towards organ donor’s treatment for harvesting of the donated organ.

  • Daily cash benefit

    A daily cash benefit of Rs 500 per day, for up to 10 days, during each policy year is provided as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim.

  • Maternity/ new born baby cover

    Under the Gold Plan, maternity expenses and medical expenses towards treatment of a newborn baby are covered, subject to certain terms and conditions.

Individual Health Insurance with a range of benefits. Watch the video to know more.

Video

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim by Direct Click (CDC)

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 itself for claims up to Rs 20,000.

What you need to do:

  • Register your policy and card number in the Insurance Wallet App.
  • Register your policy and health card number in the app.
  • Register the claim.
  • Fill the claim form and arrange for the hospital-related documents.
  • Upload the documents using the app menu.
  • Submit the claims for further processing.
  • Get confirmation within a few hours.
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Cashless claim process (only applicable for treatment at a network hospital)

Cashless facility at network hospitals is available 24x7, throughout the year, without any interruption in service. The list of hospitals where cashless settlement can be availed is dynamic and liable to change without notice. You must check the hospital list before getting admitted. The updated list is available on our website and with our call center. 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, follow the steps given below:

  • Get the pre authorisation request form filled and signed by the treating doctor/hospital and signed by you, at the hospital’s insurance desk.
  • The network hospital will fax the request to the health administration team (HAT).
  • HAT doctors will examine the pre-authorisation request form & decide on cashless availability, as per the policy guidelines.
  • Authorisation letter (AL)/denial letter/additional requirement letter is issued within 3 hrs depending on the plan and its benefits.
  • At the time of discharge, the hospital will share the final bill and discharge details with HAT and based on their assessment, final settlement will be processed.

Important points to note:

  • In case of planned hospitalisation, register/reserve your admission as per the network hospital’s procedure for admission in advance.
  • Admission at network hospital is subject to availability of a bed.
  • Cashless facility is always subject to your policy terms and conditions.
  • The policy does not cover the following : Telephone Food and beverages for relatives Toiletries The cost of the above services have to be borne by you and paid directly to the hospital before discharge.

The cost of the above services have to be borne by you and paid directly to the hospital before discharge.

  • In-room rent nursing charges are included. However, if a higher cost room is used then the incremental charges will be borne by you.
  • In case the treatment is not covered as per the policy terms and conditions, your claim, cashless or reimbursement, will be denied.
  • In case of inadequate medical information, pre-authorisation for cashless claim can be denied.
  • The denial of cashless facility does not mean denial of treatment and does not in any way prevent you from seeking necessary medical attention or hospitalisation.

Reimbursement of pre/post hospitalisation expenses:

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.

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Reimbursement claim process (in case of a non-network hospital)

  • Inform the Bajaj Allianz General Insurance HAT about the hospitalisation. To register your claim online click here To register your claim offline, please call us on our toll-free number: 1800-209-5858.
  • After discharge, kindly submit the following documents to the HAT team (within 30 days of discharge): Duly filled and signed claim form with mobile number and email ID. Original hospital bill and payment receipt. Investigation report. Discharge card. Prescriptions. Bills of medicines and surgical items. Details of pre hospitalisation expenses (if any). In-patient papers, if required.
  • All documents to be sent to the HAT for further processing and based on the assessment, the final settlement will be done within 10 working days.
  • Post hospitalisation claim documents must be sent within 90 days from the date of discharge.

Documents required for reimbursement claim

  • Original pre-numbered hospital payment receipt duly sealed and signed.
  • Original prescriptions and pharmacy bills.
  • Original consultation papers (if any).
  • Original investigation and diagnostic reports along with original bills and payment receipt for the investigation done within and outside the hospital.
  • If you availed a cashless claim but did not utilise it, a letter from the hospital stating so.
  • A letter from the treating doctor mentioning incident details (in case of an accident).
  • Hospital registration certificate and hospital infrastructure on the letterhead.
  • A cancelled cheque bearing IFSC code and name of the insured.
  • Indoor case paper copy attested from the hospital from the date of admission to the date of discharge with detailed medical history and doctor’s notes with temperature, pulse and respiration charts.
  • X-ray films (in case of a fracture).
  • Obstetric history from treating doctor (in maternity cases).
  • FIR copy (in accident case).
  • Additional requirements for some special cases: In case of a cataract operation, lens sticker with a bill copy. In case of a surgery, implant sticker with a bill copy. In case of a heart-related treatment, stent sticker with a bill copy.

All original documents need to be submitted to the following address:

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.

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LET'S SIMPLIFY HEALTH INSURANCE

What is Individual Health Insurance?

This type of insurance provides an individual complete coverage against all medical treatments, hospitalisation, and critical illness and so on. If you are planning to insure your family using this policy, you have to buy a separate policy for each family member.

What is the eligibility for Individual Health Insurance?

The eligibility to opt for Individual Health Insurance is as given below:

Entry age for proposer is between 18 years to 65 years.

Entry age for a child is between 3 months up to 30 years.

What is the Health Administration Team?

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.

Why invest in a comprehensive Individual Health Insurance policy?

A health insurance policy covers you from the severe financial impact that a medical emergency can cause. We cover all the key aspects like pre and post hospitalisation expenses, room rent, doctor’s fees, ambulance charges, etc. A corporate health cover is generally not sufficient to cover overall medical expenses, hence, a separate health insurance/mediclaim policy is a must-have. 

I am young and healthy. Do I really need health insurance?

Medical expenses are inching towards the sky and medical emergencies befall you without warning. A health insurance policy, irrespective of your age, is a safe bet to protect your savings from being hit should you be required to pay heavy medical bills.

What sum insured options do I have under the Individual Health Insurance policy?

You can choose a sum insured between Rs 1.5 to Rs 50 lakhs.

What is the zone-wise premium?

Zone A

Delhi/NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat.

Health insurance policyholders paying Zone A premium rates can avail treatment all over India without any co-payment.

Zone B

The rest of India apart from Zone A cities are classified as Zone B.

Policyholders paying zone B premium rates and availing treatment in Zone A city will have to pay 20% co-payment on admissible claim amount. This co-payment will not be applicable for accidental hospitalisation. Those residing in Zone B can choose to pay a premium for Zone A and avail treatment all over India without any co-payment.

Our happy customers!

Rama Anil Mate Mumbai

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu Mumbai

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra Mumbai

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

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

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You can even cover your extended family like cousins, in-laws.

That’s not all, here are the additional benefits with your Individual Health InsuranceOur Individual Health Insurance plan provides extensive coverage with multiple benefits:

Renewability

You can renew your Individual Health Insurance policy for your entire lifetime.

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.* Read more

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Individual 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

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process.... Read more

Hassle-free claim settlement

Our in-house claim settlement team 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

Free preventive health check-up at the end of a continuous period of 3 years during which your Individual Health Insurance policy is active.

Portability benefit

If you are insured under any other health insurance policy, you can switch to this policy with all accrued... Read more

Portability benefit

If you are insured under any other health insurance policy, you can switch to this policy with all accrued benefits (after due allowances for waiting periods) to enjoy all the benefits of the policy.

Long-term policy

This policy can be purchased for a period of 1, 2 or 3 years.

Discounts up to 20%

Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as family... Read more

Discounts up to 20%

Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as family discount up to 15%, long-term policy discount up to 8%, co-payment discount and more.

Claim settlement ratio of aroud 90% in the last 6 months.

Important points to note before buying Individual Health Insurance

  • Inclusions
  • Exclusions

Pre and post hospitalisation cover

Covers pre and post hospitalisation expenses up to 60 and 90 days respectively.

Family cover

Covers your entire family including your parents, parents-in-law, grandchildren, and dependent siblings.

Ambulance cover

Covers ambulance charges subject to a limit of Rs 20,000 in a policy year.

Daycare treatment cover

Covers expenses for all listed daycare treatments.

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In case of pre-existing diseases, a waiting period of 3 years will be applicable
Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from coverage, except injuries caused due to an accident.
A waiting period of 2 years is applicable for diseases such as a hernia, piles, cataract and sinusitis.
In case of a bariatric surgery, joint replacement surgery and prolapsed intervertebral disc, a waiting period of 3 years is applicable.
Treatment for use of intoxicating and/or addictive substances like alcohol, drugs, etc will not be covered.
A waiting period of 6 years for maternity and newborn baby expenses.

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Customer Stories

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.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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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.

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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