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Life is quite unpredictable. The only thing that matters the most is good health for you and your loved ones in every aspect. But, life-threatening illnesses and emergency hospital visits arise anytime, anywhere. During such times, you cannot solely depend on your life savings to overcome the medical expenses. This is where health insurance plans come to your rescue.

Due to a rise in medical inflation and an increase in work-life imbalance, having a health insurance plan is necessary. However, it is better to take a health plan for family at an early stage in life. The reason being, you pay low premiums, and a single plan covers you and your loved ones as well. Moreover, as you grow older, buying health insurance might need medical check-ups, longer waiting periods for pre-existing illnesses, and the insurer might exclude some important diseases. Hence, getting health insurance when you are younger is a wise financial choice. 

Why Choose Bajaj Allianz Health Insurance

Tailor-made Plans

Personalized health insurance plans that suit your medical needs

Instant Claim Settlement

With a smooth and quick claim settlement process, the company claims to settle cashless claims within 60 minutes of the claim request

Daily cash benefit

Bajaj Allianz health insurance offers a daily cash benefit of Rs 500 per day, for up to 10 days

Cashless claim facilities

With a network of 6500+ partnered hospitals, and cashless claims offered at these hospitals, you can rest assured

Tax Benefits

Apart from the medical coverage benefits, Bajaj Allianz Health Insurance lets you enjoy significant tax benefits of up to Rs. 75000 on the premiums paid, under section 80D.

What are the Types of Plans offered by Bajaj Allianz Health Insurance

With the diverse and specific requirements of customers pertaining to health insurance, the Bajaj Allianz Health Insurance plans are designed to cater to these needs, in order to keep pace with the changing lifestyle and rising medical costs.

Take a look at the different plans offered by Bajaj Allianz Health Insurance

Sr. No.

Plan

Plan Description

1

 Bajaj Allianz Health Guard Policy Available for individual as well as family, the plan suits your requirements. The plan is an extensive coverage that takes care of the medical costs with a sum insured options ranging from Rs. 2 Lakhs to Rs. 1 Crore. From cover for day care procedures, organ donor expenses, in-patient hospitalization, and more, you get extensive protection. 

2

Bajaj Allianz Extra Care Plus Policy

 A unique super top-up policy, the Bajaj Allianz Extra Care Plus Policy that manages the blow of higher medical expenses after your existing health insurance plan is exhausted. The plan comes with benefits like in-patient hospitalization costs, pre-hospitalization & post-hospitalization costs, road ambulance cover, air ambulance cover, free medical check-up, and more. 

How to Calculate Your Health Insurance Premium

Finserv MARKETS has made it very easy for you to calculate your Bajaj Allianz Health Insurance premium. 

  1. Visit the health insurance premium calculator page on Finserv MARKETS
  2. Enter your details including people you want to insure, age of the eldest member, pin code, mobile and other relevant piece of information
  3. Once you hit the ‘Get Quote’ button, the available plans for you shall be displayed
  4. Pick the plan that best suits your requirements
  5. Based on your choice, the premium amount you are liable to pay for availing the medical coverage will be displayed
  6. Not just this! You can customize your plan too! Choose from the customized add-on covers to enhance your medical coverage

 

What's Covered

  • Pre & Post Hospitalization Costs

    Coverage includes costs incurred during pre and post hospitalization procedures like check-ups, recovery treatments and more

  • Reinstatement Benefit

    The sum insured reinstatement benefit works in case your sum insured has been completely exhausted during the policy year. You get sum insured reinstatement on the same illness with 100% coverage

  • Organ Donor Benefit

    Covers expenses incurred during organ donor treatment

  • Ayurvedic/Homeopathic Hospitalization

    Coverage for Ayurvedic/Homeopathic hospitalization across the country for up to INR 20,000.

  • Convalescence Benefit

    Provides convalescence benefit up to INR 5000 per year for more than 10 days of continuous hospitalization

  • Free Health Check-up

    The plan offers free preventive health check-up at the end of a continuous period of 3 years during in case of an individual health insurance plan

  • In-Patient Hospitalization Costs

    Expenses incurred due to treatments and diagnosis, ICU charges, fees of specialists, medical consultants, and practitioners during in-patient hospitalization are taken care of

What's not Covered

  • A waiting period of 3 years is applicable for pre-existing diseases

  • A waiting period of 6 months for maternity/ new born expenses

  • Any disease contracted during the first 1 month of commencement of the health insurance policy will be excluded from the coverage. However, accidental injuries are taken care of during the waiting period.

  • Diseases like cataract, piles, hernia, and sinusitis have a waiting period of 2 years.

  • Treatment for use of intoxicating and/or harmful substances like drugs or alcohol are not covered

  • In-active policy - Medical expenses after the health plan is lapsed.

How to Buy Bajaj Allianz Health Insurance 

Buying your Bajaj Allianz Health Insurance is a very seamless process, through Finserv MARKETS. The online portal makes it easy for you to get your policy in just a few clicks online!

Here’s how you can go about it:

  1. Visit the health insurance page on the Finserv MARKETS website
  2. Provide the necessary details about whom you wish to insure, age of the eldest member, , Date of Birth and Mobile Number rest of the information
  3. Pick your suitable plan  
  4. Make your health insurance premium payment for your selected plan
  5. Your policy will be sent to you after a confirmation of successful payment of premium
  6. You can also wish to enhance your coverage by selecting the add-on covers available

And, that's it!

How to Renew Bajaj Allianz Health Insurance Plan Online

Follow these steps to have seamless process for your Bajaj Allianz Health Insurance Renewal

  • Visit us online

    Visit the Finserv MARKETS website. Proceed to renew your health insurance through the health insurance page

  • Fill details

    Enter previous policy details and your personal information, as requested

  • Review your plan

    Review the new policy before agreeing to the terms and conditions

  • Make payment

    Make your health insurance premium payment

  • And, you're done!

    Your policy will be renewed after a confirmation of successful payment of premium

After successful payment, your policy will be renewed and functional to avail all the health insurance benefits in no time!

How to File your Bajaj Allianz Health Insurance Claim

Apart from checking the coverage of a health insurance plan, it is important to understand the claim process. This way, you are aware about what needs to be done, once a claim is to be made. Filing Bajaj Allianz Health Insurance claim hardly takes any time. Just follow these quick steps and you’re done!

Cashless claims

  1. You need to provide policy details to the network facility. After verification, the hospital will provide a pre-authorization form
  2. We will verify the form and provide to the hospital, details about your policy benefits and coverage
  3. The hospital will commence the treatment once we approve the claim
  4. When you are discharged, the hospital will send the bill along with discharge papers to us and we will settle the claim after reducing the co-payment if any

Claim reimbursement

  1. Submit all original documents and bills
  2. Our team scrutinizes the data and may ask for any additional information that is needed
  3. On receiving all the documents, your claim is approved
  4. You will receive the payment based on the policy terms and conditions

We are Here to Help You

  • At Finserv MARKETS
  • At Bajaj Allianz General Insurance

Here’s how you can connect with us at Finserv MARKETS, should you need any help with Bajaj Allianz Health Insurance!

The Bajaj Allianz health insurance team is there for you, in case you need any assistance regarding the product. Here’s how you can get in touch with them

Here’s how you can get in touch with the team:

  • Contact the executive at the Call Centre- 1800 209 5858 (Main Toll Free) and dedicated health toll free (1800 103 2529)
  • Email on health.admin@bajajallianz.co.in
  • Branch walk-in at the customer care desk
  • Visit the website- https://general.bajajallianz.com/BagicHCM/cstprtl/getCustDtls.do
  • Download the Caringly Yours App on App store/Play store

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Manage all Your Queries Here

  • ✔️What additional benefits do I get if I renew my Bajaj Allianz individual health insurance plans with Finserv MARKETS?

    If you renew your individual health insurance policy with us without any break and there has been no claim in the preceding year, Bajaj Allianz will increase the ‘Sum Insured Amount’ by 10% of the base sum insured per annum. However, the maximum cumulative increase in the ‘Sum Insured Amount’ will be limited to 10 years and 100% of your first health insurance policy with us. Also, there are tax benefits under the Income Tax Act, 1961 (in India); every taxpayer can avail an annual deduction up to Rs. 50,000 from his/her taxable income for premium paid for an individual health insurance plan.

  • ✔️What is preventive health check-up benefit?

    If you have held a Bajaj Allianz Health Insurance policy for a continuous period of 3 years, then at the end of it, you are eligible for a free preventive health check-up. Our partner, Bajaj Allianz will reimburse the amount equal to 1% of the sum insured max or up to Rs. 2000/- (whichever is less), for each member, during this block period of 3 years.

  • ✔️Will I be able to avail medical and premium reimbursements in case my Bajaj Allianz Health Insurance policy gets rejected?

    In the event of your policy getting rejected, you can avail premium reimbursements within the next seven working days. However, your medical check-up expenses will not get reimbursed.

  • ✔️When am I supposed to renew my health insurance plan?

    It is best to renew your Bajaj Allianz Health Insurance plan before its expiry date. With our plan you have a grace period of 30 days (after the expiry date of the plan), within which you can renew the plan without having to apply afresh. During this grace period, you will not be covered for any ailments or accidents, but the same plan can be continued. However, it is suggested that you pay your renewal premium while your health insurance is still in force so that you can enjoy the uninterrupted coverage.

  • ✔️When can I enhance the Sum Insured of my individual health insurance plan?

    You can enhance the Sum Insured of your Bajaj Allianz individual health insurance policy only at the time of renewals. The enhancement would be subject to underwriting approval, based on the declaration on the application.

Health Insurance Reviews

Health Insurance Reviews

4.2out of 5

5 reviews

Hassle Free Health Insurance Application Process

I have taken an individual health insurance policy to cover myself. The online application process was quite smooth. It is one is the best investment I have made in my career.

Samar

Posted on 14 Jan 20

Quick Service and Good Product Features

I applied for an individual health insurance policy, it is quite suitable for an individual like me who has just started working. I was satisfied with the inclusions and exclusions and bought a 3 lakh cover for myself. Thank you for your great services.

Kaiser

Posted on 17 Dec 19

They Provide The Best Health Insurance Plan

I purchased a Bajaj Allianz individual health insurance plan for myself. The policies are good and completely apt for my needs. Was impressed with their service and the fact that all major hospitals in my locality are covered under their network.

Mary

Posted on 4 Jan 20

Secure & Quick Application Process

After a friend recommended, I got an individual health insurance policy from Bajaj Allianz health insurance. I had a really good experience while purchasing the plan on the online platform. The process was explained in detail & the claim process is also very smooth.

Ravi Jain

Posted on 23 Feb 20

Super-fast Claim Settlement

During my recent hospitalization for a minor surgery, I experienced the quick and hassle-free claim settlement process of the Bajaj Allianz individual health insurance policy. My claim request was approved within very less time & I did not have to worry about the hospital bills. Great plan!

Varun Awasthi

Posted on 26 Mar 20

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Contact

020-66399444 ( Mon to Sat - 10 am to 6 pm )

Address

4th Floor, B2 Building, Cerebrum IT Park, Kumar City, Kalyani Nagar, Pune – 411014.

Bajaj Finserv Direct Limited ("BFDL") is primarily engaged in distribution of financial products and services through its digital platform (“Bajaj Finserv MARKETS”) and inter alia renders services of customer acquisition, providing preliminary credit support activities, fulfilment services and post-acquisition customer services to Banks, NBFCs, HFCs. BFDL is also a registered Corporate Agent (Composite) under valid IRDAI registration number: CA0551 valid till 10-Apr-2024 for solicitation and servicing of Insurance Products. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522