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Individual Health Insurance Plans

Invest in your health and stay protected

Comprehensive Health Insurance Plans
Individual health insurance policy

Personal health insurance for you

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What’s in it for you?

Caretaking of senior citizens made smart & easier with innovative features

Missed call number for Respect Senior Care Rider : 9152007550

 Cover 09 plans/options with Health Prime Rider

 EMI options available

Higher Sum Insured options up to 1 Crore

Covers pre and post-hospitalisation expenses

Multiple sum insured options

Covers extended family including parents, in-laws and siblings

What is Individual Health Insurance?

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.

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:

  • 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.

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.

     

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.

 

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.

 

Benefits of Buying Personal Health Insurance Policy Online

Buying a Personal Health Insurance policy online offers several advantages:

  • Convenience: Shop and compare plans from multiple insurers at your own pace, anytime, anywhere.
  • Comparison Tools: Use online comparison tools to assess coverage options, features, and premiums quickly.
  • Time-Saving: Skip lengthy agent visits and complete the application process efficiently.
  • Potentially Lower Premiums: Online purchases can sometimes lead to lower premiums due to reduced administrative costs for insurers.
  • Paperless Process: Enjoy a faster, more eco-friendly experience with digital applications and policy documents.

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

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individual-better-covers

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

That’s not all, here are the additional benefits with your Individual Health Insurance

Our Individual Health Insurance plan provides extensive coverage with multiple benefits:
Wellness benefit

Wellness benefit

Wellness benefit : Maintain good health & get rewarded with wellness benefit discount upto 12.5% on your renewal

individual benefits lifetime renewal

Renewability

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

individual benefits tax benefit

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.

individual benefits claim settlement

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 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. 

individual benefits health check up

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.

individual benefits portability

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.

individual benefits long term

Long-term policy

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

individual benefits discount

Discounts on Policy

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 Individual Health Insurance

Eligibility criteria for Personal Health Insurance coverage can vary by insurer, but generally include:

  • Age: Most plans cover individuals between 18 and 65 years old, with senior citizen plans available for those above 65.
  • Location: You must reside within the geographical area serviced by the insurer.
  • Medical History: Pre-existing conditions might require waiting periods or exclusions. Disclose all medical history accurately.
  • Occupation: Certain high-risk occupations might have limited coverage options or higher premiums.

How Much Individual Health Insurance Coverage Should You Have?

The right amount of Personal Health Insurance coverage depends on several factors:

  • Medical History: Consider any pre-existing conditions and potential future healthcare needs.
  • Hospitalisation Costs: Research your area's average hospital room rates and surgical costs.
  • Lifestyle: Healthy lifestyle choices can lower health insurance costs and improve coverage options.
  • Financial Goals: Balance affordability with adequate protection. Consider how much you can comfortably afford as a premium.

How to Buy an Individual Health Insurance Policy Online?

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.

Types of Individual Health Insurance Claims

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.

How to File an Individual Health Insurance Claim?

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

Individual Health Insurance Premium Calculator

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.

Difference Between Group and Individual Health Insurance

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.



Essential Considerations When Choosing an Individual Health Insurance Plan

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.

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 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"

 

Important points to note before buying Individual Health Insurance

  • Inclusions

  • Exclusions

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.

Ayurvedic / Homeopathic Hospitalization Expenses

(Applicable for Gold and Platinum Plan only) : If You are Hospitalized for not less than 24 hrs, 

Read more

Ayurvedic / Homeopathic Hospitalization Expenses (Applicable for Gold and Platinum Plan only) : If You are Hospitalized for not less than 24 hrs, in an Ayurvedic / Homeopathic Hospital which is a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health on the advice of a Medical practitioner because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period then We will pay You:

1.       In-patient Treatment- Medical Expenses for Ayurvedic and Homeopathic treatment:

2.        Room rent, boarding expenses

3.       Nursing care

4.       Consultation fees

5.       Medicines, drugs and Medical consumables,

6.       Ayurvedic and Homeopathic treatment procedures

Covers mental illness

Below mental illness are insured with a waiting period of 2 years

Read more

Covers mental illness : 

Below mental illness are insured with a waiting period of 2 years

1.       Dementia in Alzheimer disease

2.       Persistent delusional disorders

3.       Dementia in other diseases classified elsewhere

4.       Acute and transient psychotic disorders

5.       Unspecified dementia

6.       Induced delusional disorder

7.       Delirium, not induced by alcohol and other psychoactive substances

8.       Schizoaffective disorders

9.       Personality and behavioural disorders due to brain disease, damage and dysfunction

10.       Bipolar affective disorder

11.       Unspecified organic or symptomatic mental disorder

12.       Depressive episode

13.       Schizophrenia

14.       Recurrent depressive disorder

15.       Schizotypal disorder

16.       Phobic anxiety disorders

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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FAQs

FAQ's

What exactly are pre-existing conditions in an 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.

How is the insurer going to pay my hospital bills?

Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).

Are there any tax advantages to purchasing Individual Health Insurance?

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.

Why should I need Personal Medical Insurance?

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.

What's the best age to purchase Individual Health Insurance?

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.

Will my Individual Health Insurance policy work in Tata AIG non-network hospitals?

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.

What are the advantages of purchasing Personal Medical Insurance online?

Personal medical insurance online offers convenience, faster comparisons, potentially lower premiums, and a paperless experience.

What exactly are pre and post-hospitalisation costs?

Pre-hospitalisation costs are expenses incurred before hospitalisation, like doctor consultations and tests. Post-hospitalisation costs include follow-up consultations, medications, etc.

What exactly is "Domiciliary Hospitalisation"?

Domiciliary hospitalisation refers to medically necessary treatment provided at your home instead of a hospital, covered under specific plan terms.

What key elements determine my eligibility to purchase Individual Health Insurance?

Key eligibility factors include age, location, medical history, and occupation.

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(Based on 3,912 reviews & ratings)

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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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