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Individual Health Insurance, also known as Personal Health Insurance, is coverage that a person purchases independently rather than through an employer or a government program.
Unlike group plans offered by employers or government schemes, individual plans cater to your specific needs and provide financial protection in case of hospitalisation, illness, or accidents. You can choose the coverage level, sum insured, and riders that best suit your and your family's health requirements and budget.
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:
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
Enjoy the flexibility to choose between 3 Plans variant along with the Sum Insured options ranging from 1.5 Lakh to 1 crore.
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 & Platinum 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 upto Rs 7500 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.
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 upto Rs. 20,000 during per policy period
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 & Platinum Plan, maternity expenses and medical expenses towards treatment of a newborn baby are covered, subject to certain terms and conditions.
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:
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:
Important points to note:
The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
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.
Documents required for reimbursement claim
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.
Buying a Personal Health Insurance policy online offers several advantages:
Don’t wait for a medical emergency to knock on your door!
Get a QuoteYou can even cover your extended family like cousins, in-laws.
Wellness benefit : Maintain good health & get rewarded with wellness benefit discount upto 12.5% on your renewal
You can renew your Individual Health Insurance policy for your entire lifetime.
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.
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 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 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.
This policy can be purchased for a period of 1, 2 or 3 years.
Opt for our health insurance policy for more than a year to avail a discount. Avail various discounts such as family... Read more
Discounts on Policy
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.
Eligibility criteria for Personal Health Insurance coverage can vary by insurer, but generally include:
The right amount of Personal Health Insurance coverage depends on several factors:
Buying an Individual Health Insurance policy online is a straightforward process:
1. Compare Plans: Use online tools to compare plans based on coverage, sum insured, and premium.
2. Choose a Plan: Select the plan that best suits your needs and budget.
3. Fill out the Application: Provide accurate information about your health and lifestyle.
4. Pay the Premium: Choose your preferred payment method and complete the purchase.
5. Receive Your Policy: Your policy documents will be sent electronically or by mail.
Individual health insurance plans cover two main types of claims:
Cashless Claims: These allow you to avail of medical treatment at network hospitals without upfront payments. The insurer settles the bill directly with the hospital.
Reimbursement Claims: If you have not availed of the cashless facility due to the non-availability of the network hospital or for any other reason, you can submit the claim documents to your insurer. The insurer will process your claim and settle the claim with you.
The claim process for single health insurance plans can vary by insurer but generally involves:
1. Intimation: Inform your insurer about the hospitalisation within the stipulated time frame.
2. Submit Documents: Provide necessary documents like claim form, medical bills, investigation reports, and discharge summary for processing your claim
Many insurers offer online premium calculators that help you estimate the cost of an Individual Health Insurance plan based on your age, location, desired coverage, and sum insured. This allows you to plan your budget and compare policies before purchasing a policy.
Feature |
Group Health Insurance |
Individual Health Insurance |
Policy holder |
Offered by employers, financial institutions or Govt. Schemes. The main policy is, in the company's name, a financial institution. Govt. scheme |
Purchased individually; you choose the plan and coverage The policy is in the name of the individual who has paid the premium |
Eligibility |
Offered to a predefined group which was not formed solely for the purpose of buying insurance’s |
Offered to individual persons and their families |
Coverage |
Coverage can be modular from group to group based on plan selection, however, the choice of covers at the insured level is restricted |
Flexible coverage options to personalise your plan as per individual and family needs. |
Choosing the right Individual Health Insurance plan requires careful thought. Consider these factors:
Coverage Needs: Assess your medical history, lifestyle, and future healthcare needs.
Sum Insured: Choose an adequate sum insured to cover hospitalisation costs.
Network Hospitals: Opt for a plan with a wide network of hospitals for cashless hospitalisation convenience.
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 bill expenses.
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 of our Health Insurance policy for each of your family members. We cover your medical expenses incurred due to hospitalisation. What’s more, you can also avail Cashless Treatment at over 18,400 + network hospitals* with a Bajaj Allianz health insurance plan.
Note: This is the existing content without any changes, we are just changing the content position only. Add this content after " Essential Considerations When Choosing an Individual Health Insurance Plan" and before "IMPORTANT POINTS TO NOTE BEFORE BUYING INDIVIDUAL HEALTH INSURANCE"
Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
*Tax benefits are subject to changes in tax laws.
Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.
There's no single "best" age. Ideally, purchase one when you're young and healthy to lock in lower premiums and avoid potential future denials due to pre-existing conditions.
Your plan generally covers cashless hospitalisation at network hospitals within your insurer's network. Check your insurance company's website for details of network hospitals.
Personal medical insurance online offers convenience, faster comparisons, potentially lower premiums, and a paperless experience.
Pre-hospitalisation costs are expenses incurred before hospitalisation, like doctor consultations and tests. Post-hospitalisation costs include follow-up consultations, medications, etc.
Domiciliary hospitalisation refers to medically necessary treatment provided at your home instead of a hospital, covered under specific plan terms.
Key eligibility factors include age, location, medical history, and occupation.
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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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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