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Health Insurance
This Time, Prioritise Your Health
Coverage Highlights
Comprehensive coverage for a worry-free tomorrowChoose from Best of Plans
Choose from multiple plans to meet your requirements
Wide Sum Insured Options
Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore
Unlimited Reinstatement Benefit & Recharge
Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
Preventive Health Check-Up
Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan
Online Discount
Get flat 5% discount when you buy a policy on our website or our Caringly Yours app
Zone Discount
Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live
Fitness Discount & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?In-Patient Hospitalisation Treatment
Offers comprehensive in-patient hospitalisation cover for your planned surgery or an unexpected illness to help you focus on your recovery not on your expenses
Hospital Room Coverage
Covers the cost of standard air-conditioned room ensuring you get the best care in a comfortable setting
ICU Cover
Covers your critical care expenses while ensuring you receive the best treatment without any financial burden
Pre-Hospitalisation Medical Expenses
Provides coverage for medical expenses for 30 days leading up to your hospital stay, ensuring you're prepared for the unexpected
Post-Hospitalisation Medical Expenses
Covers your post-hospitalisation medical expenses, including follow-up treatments and consultations, for up to 60 days after discharge
Day Care Treatment
Ensures that through advanced procedures you get back on your feet in less than 24 hours
Organ donor expenses
Offers coverage for organ transplant as per the policy terms, supporting the costs involved in the treatment
AYUSH Hospitalisation Cover
Coverage for ayurvedic, yoga, Unani, Siddha, and homoeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury
Road Ambulance
Covers emergency ambulance services to ensure you get swift and safe transport to the nearest medical facility
Domiciliary Hospitalisation
Ensures you receive the necessary medical care in the comfort of your home
Modern Treatment Methods and Advancement in Technologies
Covers modern treatments, like robotic surgeries and stem cell therapy, ensuring you have access to the latest medical advancements
Floater & Individual Sum Insured
Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan
Note
Please read policy wording for detailed inclusions
Exclusions
What’s not covered?Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a hospital
Cosmetic or Plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident, burn(s) or cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured are not covered
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing, scuba diving, hand gliding, sky diving, and deep-sea diving, are not covered
Dietary Supplements & Substances
Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances is not covered
Treatment for Self-Inflicted Acts
Medical expenses incurred as a result of self-harm, illegal actions, hazardous activities, etc. are not covered
Refractive Error
Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres are excluded
Unproven Treatments
Expenses related to any unproven treatment, services, and supplies in connection with any procedures or supplies that lack significant medical documentation to support their effectiveness stay uncovered
Sterility and Infertility
Expenses related to sterility and infertility, including any contraception, sterilisation and advanced reproductive technologies (such as IVF, ZIFT, GIFT, and ICSI), gestational surrogacy and reversal of sterilisation are not covered
Note
Please read policy wording for detailed exclusions
Additional Covers/Optional Covers
What else can you get?Sum Insured Reinstatement
Choose one-time or unlimited reinstatements each policy year for tailored, continuous protection
Procedure-wise/Disease-wise Sublimit
Unlock your full sum insured for key procedures and diseases (with no limitations on critical care)
Super Cumulative Bonus
Choose from three flexible growth options that match your health goals, get sum insured raised up to 200% as per the policy terms
No Claim Discount
Get accumulated bonus (Cumulative Bonus/Super Cumulative Bonus) with an immediate 1.5% discount on your next Premium payment at renewal
Cashless Discount
Enjoy a 5% discount on your premium by choosing cashless claims at our network hospitals for no upfront payments. Reimbursement claims will require a 20% co-pay.
Accidental Death Shield
Get financial protection for your loved ones, ensuring they're cared for even when you can't be there due to personal accident
Health Prime Rider
Get coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet & nutrition consultations as per the chosen plan
Parenthood is one of life's most precious experiences, especially for women. During pregnancy, the female body undergoes significant physical and hormonal changes that impact overall well-being. While becoming a parent brings immense joy, it also comes with substantial financial responsibilities, particularly regarding medical expenses.
Bajaj Allianz maternity insurance provides comprehensive coverage to ensure expectant mothers receive the best care without financial stress. This guide covers everything about maternity health insurance plans, helping you make informed decisions for your family's health and financial security.
Maternity insurance is specialized coverage that handles all expenses related to pregnancy and childbirth for expecting mothers and newborns. You can purchase pregnancy insurance as:
Modern medical treatments for pregnancy and childbirth are expensive and can strain your finances. Maternity insurance with newborn coverage ensures:
✅ Access to premium medical facilities for mother and baby
✅ Coverage for unexpected complications during pregnancy
✅ Professional fees covered - gynecologists, anesthetists, pediatricians
✅ Comprehensive prenatal and postnatal care
✅ Newborn coverage from 90 days after birth
When selecting maternity health insurance plans, look for these essential features:
Pregnancy insurance offers significant advantages:
Evaluate maternity insurance for:
Pregnancy insurance waiting period typically ranges from 9 months to 4 years. Key considerations:
Policy Terms and Conditions
Claims Process Efficiency
Most standard health insurance plans don't include comprehensive maternity coverage. Coverage availability depends on:
Bajaj Allianz maternity insurance provides dedicated, comprehensive coverage beyond standard health insurance limitations.
Eligibility for Maternity Insurance Plans
Age Requirements
Health Conditions
Understanding Pregnancy Insurance Waiting Period
Pregnancy insurance waiting period is crucial for planning:
Typical Waiting Periods
Benefits of Early Purchase
What's Covered in Maternity Insurance?
Prenatal and Postnatal Care
Delivery Costs
Newborn Baby Coverage
Emergency Complications
What's Not Covered in Pregnancy Insurance?
Pre-existing Health Conditions
Infertility Treatments
Congenital Diseases
Non-prescribed Medications
Tax Benefits of Maternity Insurance
Bajaj Allianz maternity insurance offers valuable tax advantages:
Section 80D Benefits
How Maternity Health Insurance Secures Mother and Child
Complete Prenatal Care
Delivery Coverage
Newborn Protection
Vaccination Coverage
Choosing the Best Maternity Insurance Plans in India
Compare Multiple Plans
Network Hospital Coverage
Sub-limit Understanding
Additional Benefits
How to Claim Maternity Insurance
Pre-authorization Process
Documentation Requirements
Cashless Claims
Reimbursement Claims
When to Purchase Maternity Insurance?
Optimal Timing
Benefits of Early Purchase
Maternity Insurance Premium Calculator Factors
Maternity insurance premium calculator considers:
Personal Factors
Policy Features
Get instant access to policy details with a single click
Step-by-Step Guide
How to Buy
0
Visit Bajaj Allianz website
1
Enter personal details
2
Compare health insurance plans
3
Select suitable coverage
4
Check discounts & offers
5
Add optional benefits
6
Proceed to secure payment
7
Receive instant policy confirmation
How to Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Notify Bajaj Allianz about the claim using app
1
Submit all the required documents
2
Choose cashless or reimbursement mode for your claim
3
Avail treatment and share required bills
4
Receive claim settlement after approval
How to Port
0
Check eligibility for porting
1
Compare new policy benefits
2
Apply before your current policy expires
3
Provide details of your existing policy
4
Undergo risk assessment by Bajaj Allianz
5
Receive approval from Bajaj Allianz
6
Pay the premium for your new policy
7
Receive policy documents & coverage details
Excellent Service
Bajaj Allianz provides excellent service with user-friendly platform that is simple to understand. Thanks to the team for serving customers with dedication and ensuring a seamless experience.
Amagond Vittappa Arakeri
Mumbai
27th Jul 2020
Swift Claim Settlement
I am extremely happy and satisfied with my claim settlement, which was approved within just two days—even in these challenging times of COVID-19.
Ashish Jhunjhunwala
Vadodara
27th Jul 2020
Quick Service
The speed at which my insurance copy was delivered during the lockdown was truly commendable. Hats off to the Bajaj Allianz team for their efficiency and commitment!
Sunita M Ahooja
Delhi
3rd Apr 2020
Outstanding Support
Excellent services during COVID-19 for your mediclaim cashless customers. You guys are COVID warriors, helping patients settle claims digitally during these challenging times.
Arun Sekhsaria
Mumbai
27th Jul 2020
Seamless Renewal Experience
I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much!
Vikram Anil Kumar
Delhi
27th Jul 2020
Quick Claim Settlement
Good claim settlement service even during the lockdown. That’s why I sell Bajaj Allianz Health Policy to as many customers as possible.
Prithbi Singh Miyan
Mumbai
27th Jul 2020
Yes, maternity insurance is definitely worth it. It offers comprehensive financial protection for expectant mothers by covering prenatal, delivery, and postnatal expenses. With rising healthcare costs, this coverage ensures quality care without burdening your finances. It also includes newborn benefits, offering peace of mind throughout the maternity journey.
Bajaj Allianz General Insurance Company's Health Guard Policy has a waiting period of 6 years for maternity insurance. This means benefits are accessible only after the waiting period ends. Planning ahead and buying early ensures you are financially prepared when you actually need the coverage.
Yes, you can claim maternity benefits from two insurance policies if both policies offer maternity coverage. In such cases, one policy will be the primary and the other the secondary payer. It’s essential to inform both insurers and provide all necessary documents to avoid claim-related complications.
Most maternity insurance plans offered by Bajaj Allianz General Insurance Company have a waiting period, making no-waiting-period options extremely rare. If such a policy is available, it usually comes at a higher premium. To bypass waiting period concerns, it’s advisable to purchase a maternity insurance policy well in advance, ideally during family planning.
Coverage for a third childbirth is not covered by Bajaj Allianz General Insurance Company’s Health Guard Policy. They pay all expenses only for two children per policy.
Before buying a maternity insurance policy, consider the waiting period, premium amount, covered and excluded treatments, hospital network, and whether newborn and vaccination costs are included. Assess your personal and family planning goals to ensure the policy you choose aligns with your medical and financial requirements.
If a newborn experiences complications, most maternity insurance plans provide coverage for congenital disorders or neonatal intensive care up to 90 days from birth. However, coverage specifics vary by plan. Ensure the policy includes newborn coverage and check the terms for congenital and critical illness treatments for babies.
No, most maternity insurance plans have a waiting period ranging from 9 months to 4 years.
Yes, depending on the insurer, some plans cover up to the third childbirth.
Check waiting periods, coverage limits, exclusions, and premium costs. Ensure it meets your specific needs and budget.
Yes, it provides financial security for pregnancy and childbirth expenses, offering peace of mind during this crucial time.
The best health insurance for maternity should offer comprehensive coverage that encompasses prenatal, delivery, and postnatal care, ensuring both mother and newborn receive the necessary medical attention. Essential features include health insurance for pregnant women that covers routine checkups, doctor consultations, diagnostic tests, and medications required throughout pregnancy. Additionally, a reliable maternity policy covers newborn care, including treatments for congenital conditions and vaccinations. A reasonable waiting period and sufficient sub-limits are also important, as these ensure the policy is practical and accessible. Bajaj Allianz General Insurance Company's maternity insurance provides these benefits, making it an ideal choice.
The waiting period for maternity insurance plans varies by provider, generally ranging from 9 months to 4 years. A shorter waiting period means quicker access to benefits, which is crucial for families planning a pregnancy in the near term. Bajaj Allianz General Insurance Company offers competitive waiting periods that balance accessibility and comprehensive coverage, making it easier for families to plan their healthcare needs in advance. This flexibility helps policyholders avoid delays in maternity coverage and ensures that families can benefit from the policy’s comprehensive support when needed, alleviating financial stress associated with childbirth expenses.
Yes, most maternity insurance policies cover both normal and cesarean (C-section) deliveries. A C-section typically incurs higher costs due to its surgical nature, but health insurance for pregnancy from Bajaj Allianz General Insurance Company offers financial protection for both delivery methods. Coverage may be subject to sub-limits, with certain plans setting different caps for normal versus cesarean deliveries. By covering C-section costs, Bajaj Allianz General Insurance Company ensures that expectant mothers can receive the necessary medical care, whether planned or emergency, without worrying about the financial burden. This support provides peace of mind for families during childbirth.
Maternity insurance sum assured typically ranges from ₹50,000 to ₹5,00,000, depending on the insurer and selected plan type.
Yes, best maternity insurance plans in India include newborn coverage. Coverage extent and duration vary by policy terms and conditions.
Pregnancy insurance waiting period varies from 12 months to 72 months depending on the specific product and insurer policies.
Explore Bajaj Allianz maternity insurance plans today and ensure comprehensive coverage for you and your baby's health needs.
Standard T&C apply. Insurance is the subject matter of solicitation. For complete details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
Most insurers don't provide pregnancy insurance for already pregnant women, as pregnancy becomes a pre-existing condition. Purchase maternity insurance well before conception.
Maternity insurance sum assured typically ranges from ₹50,000 to ₹5,00,000, depending on the insurer and selected plan type.
Yes, best maternity insurance plans in India include newborn coverage. Coverage extent and duration vary by policy terms and conditions.
Pregnancy insurance waiting period varies from 12 months to 72 months depending on the specific product and insurer policies.
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.
Request a physical copy from the insurer or take a printout of the digital policy document received via email.
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
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).
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.
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
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