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In life, 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 can arise anytime, anywhere. During such times, you cannot solely depend on your life savings to overcome the medical expenses. Bajaj Allianz health insurance plans come to your rescue here. These health insurance plans are designed with a wide range of benefits and provide all-round coverage against diseases, illnesses, accidents, etc. Let’s understand Bajaj Allianz health insurance in detail.

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

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

Bajaj Allianz health insurance offers various health insurance plans. Here are the different plans offered by Bajaj Allianz Health Insurance along with the Bajaj Allianz health insurance premium chart:

Plan

Plan Description

Hospitalisation Cover

Health Insurance Premium

 

Bajaj Allianz Health Guard Policy

Available for an individual as well as family, the plan suits your requirements. The plan is an extensive cover that takes care of the medical costs with a sum insured options ranging from ₹2 lakh to ₹1 crore. From cover for daycare procedures, organ donor expenses, in-patient hospitalisation, and more, you get extensive protection. 

Pre and post-hospitalisation cover

Starting at ₹X

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Bajaj Allianz Extra Care Plus Policy

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

Pre and post-hospitalisation cover

Starting at ₹X

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  • Tailor-made Plans

Personalised 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 ₹500 per day, for up to 10 days.

  • Cashless claim facilities

    with a network of 6,500+ partnered hospitals, and cashless claims offered at these hospitals, you can rest assured.

  • Tax Benefits

    Bajaj Allianz Health Insurance lets you enjoy significant tax benefits of up to ₹75,000 on the premiums paid, under the Income Tax Act’s Section 80D.

How to Calculate Premiums Online for Bajaj Allianz Health Insurance Plans

Bajaj Allianz health insurance premiums can be easily calculated on Bajaj MARKETS. Here is all you need to do:

 

  1. Visit the ‘Health Insurance Premium Calculator’ page on Bajaj MARKETS.

  2. Enter your details including people you want to insure, age of the eldest member, pin code, mobile number and other relevant details.

  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 Bajaj Allianz health insurance cover will be displayed.

  6. Not just this! You can customise your plan too! Choose from the add-on covers to enhance your medical coverage.

How to Buy Bajaj Allianz Health Insurance

At Bajaj MARKETS, buying your Bajaj Allianz Health Insurance is a very seamless process. 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. Click on the Check Plans button button on right hand side of page just below the header.

  2. Provide the necessary details about whom you wish to insure, age of the eldest member, date of birth and your mobile number.

  3. Pick a suitable plan as per your needs.

  4. You can also enhance your coverage by selecting the add-on covers available.

  5. Make the Bajaj Allianz health insurance premium payment.

  6. Your policy will be sent to you after confirmation of the successful payment of the premium.

Factors Affecting Health Insurance Premiums

  • Type of Health Insurance Plan

One of the key determinants of your health insurance premium is the plan you select. The premium will differ for the individual, family-floater, or top-up health insurance plans.

  • Your Age

Another factor used to determine your health insurance premium is your age. Premiums increase with age. This is because insurance providers believe that you will be more vulnerable to health problems with the increasing age, thus increasing the probability of health insurance claims.

  • Pre-Existing Health Conditions

Your health insurance premium will be higher if you have a pre-existing health condition while purchasing health insurance.

  • Your Location

Health insurance providers consider factors related to your location like severe weather conditions, unavailability of healthy food options, distaste to exercise, etc. while calculating the health insurance premiums.

  • Add-on Covers

Your health insurance premium will go up if you opt for any additional covers to enhance your health insurance coverage.

  • Policy Tenor

The health insurance premium for a short-term policy is usually higher as compared to the premiums for long term health insurance plans with a policy tenor of more than 3 years.

  • Lifestyle Habits

If you have the habit of drinking alcohol or smoking excessively, you may have to pay a higher premium as compared to someone who does not drink or smoke and is in perfect health.

Bajaj Allianz Health Insurance Plans- Inclusions & Exclusions

Bajaj Allianz health insurance plans cover the following expenses:

 

  • Pre & post hospitalisation costs like check-ups, recovery treatments, and more.

  • Reinstatement benefit on the same illness in case your sum insured has been completely exhausted during the policy year.

  • Expenses incurred during organ donor treatment.

  • Expenses incurred for Ayurvedic/Homeopathic hospitalisation for up to ₹20,000.

  • Convalescence benefits up to ₹5,000 per year for more than 10 days of continuous hospitalisation.

  • Free preventive health check-up at the end of a continuous period of 3 years in case of an individual health insurance plan.

  • Expenses incurred due to treatments and diagnosis, ICU charges, fees of specialists, medical consultants, and practitioners during in-patient hospitalisation.

Bajaj Allianz health insurance plans will not cover the following:

 

  • Pre-existing diseases will be excluded till the end of the 3-year waiting period.

  • Maternity/newborn expenses will be excluded till the end of the 6-month waiting period.

  • Any disease contracted during the first 1 month of commencement of the health insurance policy will not be covered. However, accidental injuries are taken care of during the waiting period.

  • Diseases like cataract, piles, hernia, and sinusitis will be excluded from the Bajaj Allianz Health Insurance cover till the end of the 2-year waiting period.

  • Treatment for use of intoxicating and/or harmful substances like drugs or alcohol.

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 of what needs to be done when a claim is to be made. Bajaj Allianz health insurance claim filing 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 hospital. After verification, the hospital will provide a pre-authorisation form.

  2. We will verify the form and provide the details of your policy benefits and coverage to the hospital.

  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 will scrutinise the data and may ask for any additional information that is needed.

  3. On reviewing all the documents, your claim is approved.

  4. You will receive the payment based on the policy terms and conditions.

Documents Required for Raising a Claim

Bajaj Allianz health insurance claim filing will need the following documents:

 

  • Duly filled and signed hospitalisation claim form

  • Health insurance card

  • First consultation letter from doctor

  • All lab and test reports

  • Original discharge summary document

  • Original hospital bills with detailed cost break-up

  • Copy of barcode/invoice/stickers in case of implants

  • KYC form

Best Health Insurance Plans Available at Bajaj MARKETS

FAQs on Bajaj Allianz Health Insurance

  • ✔️What additional benefits do I get if I renew my Bajaj Allianz individual health insurance plans with Bajaj 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 of up to ₹50,000 from his/her taxable income for premiums paid for an individual health insurance plan.

  • ✔️What is a 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 ₹2,000/- (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?

    Bajaj Allianz Health Insurance plan must be renewed 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.

  • ✔️What are the modes of payment available for Bajaj Allianz health Insurance premiums?

    Bajaj Allianz health insurance allows you to pay your premium online using the following modes of payment:

    • Net banking

    • Credit card

    • Debit card

    • Digital wallets

    • UPI

  • ✔️How can I find a hospital in my city that is part of the Bajaj Allianz hospital network?

    To know about the network hospitals under your Bajaj Allianz health insurance policy, download the list of network hospitals here

  • ✔️How can I file a claim under my Bajaj Allianz Health Insurance if I haven’t received my health insurance card yet?

     If you (the policyholder) are hospitalised before you receive your health insurance card, all you need to do is inform Bajaj Allianz Health about it and give them the details like your membership number, the name of the hospital where you are availing treatment, etc. The company will then send a request to the hospital to begin the cashless treatment.

  • ✔️How do I download my policy?

     Here is how you can download a copy of your policy from the Bajaj Allianz health insurance login page:

    1. Go to the Bajaj Allianz E-Policy page.

    2. To log in, enter your policy number and mobile number and click on ‘Generate OTP’.

    3. Enter the OTP received on your registered mobile number along with other necessary details.

    4. After logging in to the customer account, you can download your Bajaj Allianz health insurance policy from the given options.

  • ✔️What is the sum insured under the Bajaj Allianz Health Guard policy?

    The Bajaj Allianz Health Guard policy offers a sum insured ranging from ₹2 lakh to ₹1 crore.

  • ✔️What is the grace period offered by the Bajaj Allianz Extra Care Plus policy?

     The Bajaj Allianz Extra Care Plus policy offers a grace period of 30 days from the due date of the policy.

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.

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.

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.

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.

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!