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BAJAJ ALLIANZ HEALTH INSURANCE

Bajaj Allianz medical insurance allows you to get the best healthcare available and safeguards your hard-earned money from being spent on hefty hospital bills.

The affordable customised plans come in handy during accidents or critical illnesses without substantial financial burden on you and your loved ones. In addition to hospitalisation expenses, it also provides covers against consultations, check-ups, maternity and other such medical expenditures.

  • Policies &Plans for all age groups.
  • Maximum coverage at highly affordable rates.
  • Lifetime renewability option.
  • A large number of network hospitals.
  • Incurred claim ratio: 77.6%.
  • Over 15 lakh health insurance claims paid (FY 2018-19).
  • In-house health administration team for faster claims processing.
  • Within-60 minutes claims settlement.
  • Easy to purchase/renew online insurance plans.

Bajaj health insurance from "Bajaj Allianz General Insurance" is one of the top insurance service providers with the highest claim settlement ratio among all private insurers in India. It serves millions across the country through its 6,500+ strong cashless hospital network and 24x7 claim assistance services.

 

Features & Advantages: Bajaj Health Insurance Policy

  • One can opt for a family floater health guard plan where all covered members can avail the sum insured amount.
  • The lifetime renewability option saves you from financial burdens caused due to medical emergencies and ensures you are always prepared.
  • Pre-Post hospitalisation medical expenses are coveredfor 60 days (before admission) and 90 days (post hospitalisation).
  • Preventive care and health check-ups at networked diagnostic centres after four claim-free years.
  • Covers pre-existing diseases after four yearsof the waiting period.
  • No sub-limits on room rent.
  • Highly-qualified doctors at best-in-class hospitals attend your medical issues.
  • Get services from specialists for rare conditions (if covered in the scope of your policy).
  • Cashless treatment at empanelled hospitals.
  • Can save tax up to 1 lakh rupees against the premium paid (section 80D: Income Tax Act).
  • No-claim bonus: 10% for every claim-free year, up to 50%.
  • Value-added services such as OPD discounts,discounts on pathologies, wellness tests, radiology and pharmacies.

 

Bajaj Allianz Health Insurance Plans& Policies

 

1] Individual Health Insurance Policy

Holistic medical insurance that comes with multiple sum-insured options and can be availed for each of your family members, including the extended family. It covers expenses incurred due to hospitalisation, accidents, critical illnesses, and other unforeseen events. It also takes care of your pre and post-hospitalisation expenses.

2] Family Health Insurance Policy: Health Guard

Customised family health insurance plans that come with sum insured options ranging from 1.5 to 50 lakh rupees. Every family member can avail an individual sum insured, or you may opt for a family floater plan.

The policy covers you, your children, your spouse, parents, parents-in-law, grandchildren and dependent siblings. It covers expenses incurred due to hospitalisation, doctor’s consultation, treatment charges, ambulance services, pre and post hospitalisation spendings.

3] Health Infinity Plan

Unlimited care and coverage without any sum insured limit. Provides coverage to self, spouse, dependent children and parents on an individual basis.Takes care of medical expenses for you and your family in case of hospitalisation for illness or injury. Also covers pre and post hospitalisation expenses.

4] Critical Illness Insurance Policy

 

Extended insurance and a critical illness cover that comes with multiple sums insured options: 1 lakh to 50 lakh rupees (6 years to 60 years) and 1 lakh to 5 lakh rupees (61 years to 65 years). Protects you, your family and children above the age of 6 years against financial burdens of life-threatening illnesses.

Covers 10 medical conditions: Aorta graft surgery, cancer, coronary artery bypass surgery, first heart attack (myocardial infarction), kidney failure, major organ transplant, multiple sclerosis with persisting symptoms, permanent paralysis of limbs, primary pulmonary arterial hypertension and stroke.

5] Extra Care Plus Policy

A top-up health insurance policy for additional coverage.Provides an add-on cover to your existing health insurance policy. Sums insured options vary from 3 lakh to 50 lakh rupees. Floater cover for the entire family covers your spouse, parents and dependent children under a single policy. Takes care of medical expenses for 60 days immediately before and 90 days after hospitalisation.

6] M-Care Health Insurance Policy

Health insurance that protects you against 7 vector-borne diseases and comes with sum insured options ranging from 10,000 to 75,000 rupees. The floater policy covers you, your spouse, dependent children and dependent parents. It takes care of financial setbacks due to medical treatment on account of vector-borne illnesses.

7] Healthcare Supreme: Comprehensive Health Insurance

A comprehensive insurance policy that comes with multiple sum-insured options up to 50 lakh rupees and provides a wide range of coverage for your healthcare needs at every stage of life. It also takes care of your pre-hospitalisation expenses (for 60 days) and post-hospitalisation spendings (for 90 days).

8] Hospital Cash Daily Allowance Policy

A top-up cash benefit add-on policy that pays a daily benefit amount for addressing sudden expenses during the hospitalisation period. It comes with an option to upgrade the sum insured amount during renewal. It also allows you to avail a 5% family discount if 2 or more family members are covered.

9] Silver Health Insurance Policy for Senior Citizens

Exclusive health insurance for senior citizens that provides financial security for critical illnesses, medical check-ups and covers pre-existing diseases until 1 year after the policy issue date. It also takes care of your pre and post-hospitalisation expenses.

10] Health Insurance Star Package Policy

A unique family floater policy, wholesome 360-degree protection plan that covers you and your family against various risks or emergencies. It also takes care of your pre-hospitalisation expenses (for 60 days) and post-hospitalisation spendings (for 90 days).

11] Health Ensure Policy

Medical insurance policy for you and your family that provides comprehensive healthcare benefits. It allows you to opt for individual or family floater option that covers yourself, your spouse, children, parents, parents-in-law, siblings, grandchildren and grandparents. It also takes care of your pre-hospitalisation expenses (for 30 days) and post-hospitalisation spendings (for 60 days).

12] Tax Gain Health Insurance Policy

A family floater health insurance that covers your expenses related to medical treatment/hospitalisation and helps you save money through its tax-saving benefits. It also takes care of your pre-hospitalisation expenses (for 30 days) and post-hospitalisation spendings (for 60 days).

13] Personal Accident Insurance Policy: Personal Guard

A comprehensive accident insurance policy that covers you and your family members against accidental bodily injuries, disability or death. It helps you after an accident by paying for your healthcare bills and children education.

14] Women-Specific Critical Illness Insurance Policy

Exclusively for women to help them address critical illnesses and additional risks. Covers 8 life-threatening conditions-Breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer, vaginal cancer, permanent paralysis of limbs, multi-trauma and burns.

15] Premium Personal Guard: Personal Accident Insurance Policy

 

Personal accident insurance policy for you and your family that comes with high sum assured options from 10 to 25 lakh rupees. It provides comprehensive coverage against accidents and also supports you in your hour of crisis.

16] Extra Care Health Insurance Policy

Top-up health insurance add-on plan for additional protection with a single premium and sum insured for your entire family. The family floater option covers you, your spouse, a maximum of 3 children and parents. It pays for expenses caused due to hospitalisation and other medical treatments. It also takes care of your pre-hospitalisation expenses (for 30 days) and post-hospitalisation spendings (for 60 days).

17] Global Personal Guard: Global Accident Insurance Policy

Innovative and industry-first global insurance that protects you against accidents all over the world and comes with the sum insured options up to 25 crore rupees. It can be availed for yourself, your spouse, parents, children and provides extensive worldwide coverage against total or partial permanent disability, other injuries and death.

 

General Exclusions of Bajaj Allianz Health Insurance

  • A waiting period for pre-existing diseases.
  • Treatment for the use of addictive/intoxicating substances.
  • Consequential losses.
  • Injury due to naval/military operations.
  • Treatment arising due to invasion, war, an act of a foreign enemy, hostilities, terrorism, rebellion, revolution or civil war.

Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.

 

Bajaj Allianz Health Insurance Premium

The Bajaj health insurance premiumis based on factors such as your age, medical history, lifestyle habits, the sum insured and type of cover you choose. 

One can compare policies and plans by visiting Bajaj Allianz's official website. Alternatively, you may use established online insurance comparison portals such as www.Quickinsure.com to explore quotations, simplify and speed up the process of buying medical insurance.

 

Bajaj Health Insurance Renewal & Purchase

One can apply for/renew a health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.

                                                      

Bajaj Allianz Health Insurance Review

Bajaj Allianz health insurance, a market leader with dependable products, is known for its highly customisable, pocket-friendly medical covers, unmatchable after-sales support and streamlined claims settlement processes. A variety of policies keep you financially secure amid ever-evolving uncertainties and rising healthcare costs.

 

Bajaj Allianz Health Insurance: Prominent Rewards & Recognitions

Winner of 2019 Asia Insurance Technology Award, Marketer of the Year Award, People Matters Best Recruitment Technology & Analytics Award and Money Today Award.

Also won 2018 Finnoviti Award, Dale Carnegie Global Leadership Award, Distributor of the Year, Most Trusted Global Brand, General Insurance Company of the Year Award and 2017 Non-life Insurer of the Year Award.

 

Bajaj Allianz Health Insurance: FAQs

Q: I already have life insurance. Do I need a health insurance policy?

Life insurance does not help you in paying rising medical bills. A health insurance cover protects you against unexpected health-related costs, enables you to deal with hospitalisation and takes care of your expenses.

Q: What is the difference between a mediclaim policy and a health insurance policy?

Mediclaim policy only brings coverage against hospitalisation and treatment expenditure for pre-specified illnesses (as per the sum insured). However, your healthcare insurance covers both pre and post hospitalisation expenses.

Q: Why go with health insurance from Bajaj Allianz?

Bajaj Allianz ensures maximum healthcare insurance coverage, latest features and competitive pricing. You get your money's worth through their cashless claim facilities, in-house health administration teams, convenient purchase and renewal options.

Q: What expenses are covered by my health insurance policy?

All pre/post hospitalisation expenses (up to 60 and 90 days respectively), boarding expenses, in-hospital costs, room rent, medical examinations, doctor's consultation fees and ambulance charges.

Q: What's the right level of cover for me?

It would depend on your age, annual income, medical background, lifestyle, pre-existing diseases, members of your family and residential address.

Q: What happens to my insurance policy after a claim is filed and settled?

Your health insurance cover for the year gets reduced by the amount already paid to you.

Q: Am I allowed to cancel my health insurance with Bajaj Allianz?

Yes, within a free period of 15 days from the date of policy issuance. You can also avail a refund; however, it will be adjusted against expenses incurred (underwriting costs, medical check-ups).

 

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.