1
Claim Assistance
Get In Touch

Sales :1800-209-0144 Service :1800-209-5858

Health Insurance: Tax Gain Plan

Save on tax and medical bills

What’s in it for you?

Covers OPD and hospitalisation expenses

Cashless facility at 6,500+ hospitals

Covers ambulance charges

Why choose Bajaj Allianz Tax Gain Plan?

Health insurance has become a necessity for everyone with the extensive risk of lifestyle diseases that precede medical expenses. We cannot escape illnesses and unforeseen accidents, however, we can always be prepared to face them. A regular health insurance policy provides you coverage against diseases, hospitalisation, accidental death, injuries and more.

We, at Bajaj Allianz General Insurance, always like to offer more when it comes to health insurance. Hence, our Tax Gain Plan not only safeguards your finances from medical bills but also helps you save money with its tax saving benefits.

Tax Gain Plan allows you to save tax and also avail OPD, hospitalisation benefits and more. It is a family floater health insurance policy that covers all expenses related to medical treatment and hospitalisation. With this policy, you can protect yourself and your family from hospital bills and also manage your tax efficiently.

We offer a whole lot when it comes to Tax Gain Plan

Key Features

Tax Gain Plan offers healthcare and tax-saving benefits with the following features:

  • Extensive cover

    This floater policy that covers hospitalisation and OPD expenses.

  • Entry age

    Any person, up to the age of 75 years, can be covered under the Tax Gain policy.

  • Personalised for senior citizens

    You can opt for a separate plan for senior citizens covering both OPD and hospitalisation expenses.

  • Health check-up

    Avail health check-up benefit at the end of every 4 claim-free years.

  • Pre and post hospitalisation cover

    This policy covers pre and post hospitalisation expenses up to 30 days and 60 days respectively.

  • Cashless facility

    Access to over 6,500+ network hospitals across India for a cashless facility.

  • Waiver of co-payment

    You can opt for co-payment waiver. Co-payment is a voluntary amount (%) that you can opt to pay from the overall mediclaim while the rest of it is taken care of by us.

  • Ambulance cover

    This policy provides ambulance cover in case of an emergency.

  • No restrictions of waiting period

    This floater policy covers you from hospitalisation and OPD expenses.

  • Consumable expenses

    The cost of spectacles, dental procedures, dentures and crutches are covered under this policy.

Watch this video to know more about how to avail tax benefits along with a health insurance plan.

Video

We offer a whole lot when it comes to Tax Gain Plan insurance

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 hospital-related documents.
  • Upload the documents using the app menu.
  • Submit the claims for further processing.
  • Get confirmation within a few hours.
Read more Read less

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 a dynamic list and is liable to change without notice. You must check the hospital list before getting admitted to the hospital. 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, the process can be summarised as follows:

  • 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 and 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 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 along with the duty signed claim form.

Read more Read less

Reimbursement claim process

  • Inform the BAGIC HAT team about the hospitalization.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, you must submit the following documents to HAT within 30 days: 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-hospitalization expenses (if any) In-patient department (IPD) 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 the same.
  • 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 date of admission to date of discharge with detailed medical history and doctor’s notes with TPR (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).
  • A requirement 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.

Documents to be submitted for outpatient treatment claims

  • The treating doctor’s consultation prescription with diagnosis, receipts and bills.
  • Prescriptions for all medicines purchased along with original bills/receipts.
  • The treating doctor’s referral for diagnostic tests conducted.
  • Diagnostic test reports, bills and receipts.

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.

Read more Read less

LET'S SIMPLIFY HEALTH INSURANCE

What is the Tax Gain Plan?

Bajaj Allianz Tax Gain Plan is a health insurance plan that covers you against medical expenses and also provides tax saving benefits. This policy provides healthcare coverage to individuals, families and senior citizens.

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.

Optimise your health and wealth

Unique cover for OPD treatment with no wating period.

That’s not all, here are additional benefits with your Tax Gain PlanThis health insurance plan provides relief from medical expenses and provides tax benefits and more as mentioned below:

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. 

Multiple sum insured options

This policy offers sum insured options for self, family and senior citizens.

Low premium

Our Tax Gain Plan offers affordable premium rates to suit your needs. Select from the various options as shown below: Read more

Low premium

Our Tax Gain Plan offers affordable premium rates to suit your needs. Select from the various options as shown below:

PLANS AND PREMIUM CHART

Flat Rremium Rs 4,999 *

18-25 years

26-40 years

41-45 years

46-55 years

Hospitalisation cover - Floater Sum Insured Rs 1 lakh

 

 

 

 

OPD Benefits Self (in Rs)

3,100

2,900

2,500

1,600

PLAN-B Tax Gain 9,999

 

 

 

 

Flat Premium Rs 9,999 *

18-25 years

26-40 years

41-45 years

46-55 years

Hospitalisation cover - Floater Sum Insured Rs 2 lakh

 

 

 

 

OPD Benefits Self (in Rs)

6,500

6,000

5,000

3,000

OPD Benefits Self + Spouse (in Rs)

5,200

4,800

3,500

1,000

PLAN-C Tax Gain Rs 14,999 1 ) C- 1

 

 

 

 

Flat Premium Rs 14,999 *

18-25 years

26-40 years

41-45 years

46-55 years

Hospitalisation cover - Floater Sum Insured Rs 2 lakh

 

 

 

 

OPD Benefits Self (in Rs)

9,500

9,000

8,500

7,500

OPD benefits Self + Spouse (in Rs)

9,000

8,500

7,000

4,500

2 ) C-2

 

 

 

 

Flat premium Rs 14,999 *

18-25 years

26-40 years

41-45 years

46-55 years

Hospitalization cover - Floater Sum Insured Rs 3 lakh

 

 

 

 

OPD Benefits Self (in Rs)

9,000

8,500

7,500

6,000

OPD Benefits Self + Spouse (in Rs)

8,000

7,500

5,500

2,500

PLAN- D-FOR SENIOR CITIZENS - Tax Gain Rs 19,999

 

 

 

 

Flat Premium Rs 19,999*

56-60 years

61-65 years

65-70 years

71-75 years

Hospitalization cover-Floater Sum Insured Rs 1 lakh

 

 

 

 

OPD Benefits – Self (in Rs)

13,000

12,500

12,000

11,000

OPD Benefits- Self + Spouse (in Rs)

11,000

10000

9,500

8,000

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 Tax Gain Plan 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.

You can even claim for dental procedures under OPD cover.

Important points to note before buying Tax Gain Plan

  • Inclusions
  • Exclusions

Ambulance cover

Covers road ambulance expenses in case of an emergency.

Pre and post hospitalisation expenses

Covers expenses incurred before and after hospital treatment.

Daycare procedures

Covers all expenses incurred under listed daycare procedures.

Consumable expenses

Covers cost of consumable expenses such as spectacles, dental procedures, dentures and crutches.

1 of 1

Any medical expenses arising due to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), 

Read more

Any medical expenses arising due to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority and claims due to nuclear weapons and/or materials.

Circumcision, cosmetic or aesthetic treatments, surgery for change of life/gender.
Plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury.
Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy.
Human Immunodeficiency Virus or variant/mutant viruses and AIDS, venereal disease or any sexually transmitted disease.
Hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations.
Vaccination or inoculation unless forming a part of a post-bite treatment.
Vitamins, tonics, nutritional supplements unless forming part of the treatment.
Surgery to correct deviated nasal septum and hypertrophied turbinate.
Treatment for any mental illness or psychiatric illness. Benefits will not be available for any pre-existing condition, ailment or injury, until 48 months of continuous coverage have elapsed, after the date of inception of the first Tax Gain policy.

Cost of spectacles in the first year of the policy. This cost is payable in the second year of continuous renewal subject to a maximum limit of 25% of the OPD limit.

Cost of dentures in the first two years of the policy. This cost is payable in the third year of continuous renewal subject to a maximum limit of 25% of the OPD limit.

Cost of hearing aids in the first two years of the policy. This cost is payable in the third year of continuous renewal subject to a maximum limit of 25% of the OPD limit.

Any expenses for treatment taken without the doctor advising the same and which is not duly supported by prescriptions.
Any expenses for diagnostic tests without the treating doctor's referral.
Cost of annual health check-up.
Any expenses in excess of the maximum payable under the outpatient medical expenses limit.

Pregnancy and childbirth related expenses.

1 of 1

Download health insurance documents

Your previous policy has not expired yet?

Set Renewal Reminder

Set Renewal Reminder

Please enter name
+91
Please enter valid mobile number
Please select date

Thank you for your interest. We will send you a reminder when your policy is due for renewal.

Customer Stories

Satish Chand Katoch
Satish Chand Katoch

Hassle Free through web with all option we can review while taking policy.

Ashish Mukherjee
Ashish Mukherjee

Easiest for anyone, no hassle, no confusion. Great work. Good luck.

Mrinalini Menon
Mrinalini Menon

 

Very well designed and customer friendly

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.

Request Call Back

Please enter name
+91
Please enter valid mobile number
Please select valid option
Please select the checkbox

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.

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.

Please enter valid quote reference ID

  • Select
    Please select
  • Please write your comment

Getting In Touch With Us Is Easy

  • Customer Login

    Go
  • Partner Login

    Go
  • Employee Login

    Go