Bajaj Allianz Health Insurance Claim Settlement Process & Status

Overview

Customer care is an important part of running a business and Bajaj Allianz, with its customer-first approach, understands the importance of bringing the best to the table when it comes to customer satisfaction. The claim settlement process of Bajaj Allianz health insurance plans is painless and hassle-free. With a huge network of hospitals in its list of partnered healthcare centres, Bajaj Allianz General Insurance takes care of health insurance claims with easy reimbursement and cashless treatment at any network hospital in India. Moreover, with an impressive claim settlement ratio of 98%, the company highlights its commitment to serving its customers better.

The insurer will transfer the claim amount to your bank account once the claim is processed. You can visit the Bajaj MARKETS website to check your claim status online.

What are Cashless Claims?

A pioneer in cashless claim settlement, the Bajaj Allianz General Insurance works toward making this process better. With cashless treatments across the empanelled hospitals, you get treated for a particular illness without paying a single penny of the medical bills. With over 6,500 network hospitals of Bajaj Allianz Health Insurance in the country, this process becomes even easier.

Here’s how you can file a cashless claim:

1. Find the nearest Bajaj Allianz network hospital in your city where you want to get treated.

2. Inform the insurer regarding your hospitalisation.

3. Carry your identity proof and your Bajaj Allianz cashless card while visiting the hospital.

4. Fill the pre-authorisation request form available at the hospital desk and submit it to the hospital.

5. The hospital will then send the pre-authorisation request form to Bajaj Allianz-HAT (Pune) for verification.

6. The insurer will review your application and convey the claim decision to the hospital.

7. On approval, the hospital will begin the cashless treatment.

What are Reimbursement Claims?

While cashless claims come with the ease of getting your treatments done without paying for the hospital bills out of pocket, you can also choose to get your treatment done at your cost and get the amount reimbursed later against your health insurance policy. 

These are the steps you will need to follow for the Bajaj Allianz health insurance claim process:

1. Submit all original hospitalisation-related documents to the insurer.

2. Bajaj Allianz General Insurance will then complete the verification, for which other documents may be required.

3. The insurer then takes the process forward.

4. Once your claim is approved, the customary verification is initiated, post which the team releases the payment.

How to Check Bajaj Allianz Health Insurance Claim Status

Here are the steps you can follow to check your Bajaj Allianz health insurance claim status:

1. Visit the official Bajaj Allianz General Insurance website.

2. On the website, visit the ‘Support’ section.

3. Click on ‘Policy Tracker’.

4. Submit all the details and documents required.

5. Your online Bajaj Allianz health insurance claim status will be displayed on the screen.

In case you want to check the status of your claim offline, you can contact the Bajaj Allianz customer care team or visit their office in person.

With a health insurance claim settlement ratio of 98% and the option for lifelong insurance renewals, Bajaj Allianz can be an excellent choice when buying health insurance.

Why Your Bajaj Allianz Health Insurance Claims May Get Rejected

Apart from understanding the process, it is also very important to note why your claims on your health insurance policy may get rejected. This way, you can prevent the rejection of your claim and make full use of your insurance coverage. Here are a few reasons why your claims may get rejected:

• Cost Exceeds Sum Insured

In case the treatment cost exceeds the sum insured amount you are entitled to, your claims may get rejected.

• Ignoring Exclusions

In case the claim is made for a treatment that is not covered under the plan, your claim request is rejected.

• Invalid Claim

If any incorrect or false information is provided during claim intimation, the claim is held invalid and is rejected.

• Inactive Policy

If you file a claim after your policy has lapsed, the claims stand null. This further reinstates the importance of renewing your health insurance on time.

• Waiting Period

In case you file a claim for the expenses incurred for the treatment of a disease within the waiting period, your claim could be denied.

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