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From day care procedures to in-patient hospitalization, individual health insurance plans from Bajaj Allianz General Insurance offers coverage against a plethora of medical issues. Choose the best individual health insurance plan and stay protected.
One of the best among insurance providers in India - offering a sum insured of up to Rs. 50,00,000.
A standout USP among competition - this plan offers a 100% reinstatement of the sum insured in case you need treatment for the same illness post policy exhaustion.
We offer the highest individual health insurance coverage for ayurvedic/homeopathic hospitalization in India, up to Rs. 20,000.
Bajaj Allianz General Insurance being the first to introduce this in India, offers coverage up to Rs. 5,00,000.
A health insurance exclusive – there is no sub-limit on organ donor treatment expenses.
Get a free health check-up once in 3 policy years, even if you've made claims.
For sum insured between Rs. 3,00,000 to Rs. 7,50,000 get coverage up to Rs. 15,000 for normal delivery and up to Rs. 25,000 for cesarean section.
Under this plan get coverage for medical expenses incurred 60 days prior to immediate hospitalization and 90 days after hospitalization.
For more than 10 days of continuous hospitalization, this good health insurance plan provides Rs. 5,000 for sum insured up to Rs. 5,00,000 and Rs 7.500 for sum insured up to Rs. 7,50,000 – the best among competition.
This plan offers coverage of up to Rs. 20,000 for ambulance charges per policy year.
In the event of hospitalization, this medical health insurance plan provides daily cash benefit for 10 days per policy year. The amount is capped at Rs 500 per day.
Get an increment of 10% to 100% on the base sum insured for every claim-free year.
For each year, get 20% of the sum insured, up to Rs 1 lakh per policy year.
Apart from providing medical insurance coverage that takes care of the mother, this plan provides coverage for new born babies too.
Come join a family of 100+ million customers and allow us to take care of your financial needs.
With a success rate of 94%, Bajaj Allianz General Insurance offers quick claim settlement with no third-party involvement.
Unlike other health insurance companies in India, we offer reinstatement benefit for the same illness even if your sum insured is exhausted.
From offering medical insurance coverage for families Bajaj Allianz General Insurance is the first to bring Bariatric Surgery in India!
Get the best healthcare at 6000+ emapaneled hospitals across India and plans the offer coverage from 1.5 – 50 lakh.
No rocket science here! Follow 5 simple steps and you’re done.
Filing claims was never so simple. Just follow these steps and you’re done!
The insurance provider may cancel your insurance policy providing a written notice 15 days prior to cancellation date. If no claim has been made, a refund of the premium for the unexpired policy period shall be provided on a pro-rata basis.
Your insurance policy will be cancelled for reasons such as non-disclosure of material facts, misrepresentation, fraud and non-cooperation.
As a customer, you may cancel your insurance policy by providing a written notice 15 days prior to cancellation date. If you've made no claims, the insurer will refund short-term rates for the unexpired policy period as per the rates detailed below.
|Period of Risk||Premium Refund - 1 Year Policy Period|
|Exceeding 15 days but less than 3 months||65.00%|
|Exceeding 3 months but less than 6 months||45.00%|
|Exceeding 6 months but less than 12 months||00.00%|
|Period of Risk||Premium Refund - 2 Year Policy Period|
|Exceeding 15 days but less than 3 months||75.00%|
|Exceeding 3 months but less than 6 months||65.00%|
|Exceeding 6 months but less than 12 months||45.00%|
|Exceeding 12 months but less than 15 months||30.00%|
|Exceeding 15 months but less than 18 months||20.00%|
|Exceeding 18 months but less than 24 months||00.00%|
|Period of Risk||Premium Refund - 3 Year Policy Period|
|Exceeding 15 days but less than 3 months||80.00%|
|Exceeding 3 months but less than 6 months||75.00%|
|Exceeding 6 months but less than 12 months||60.00%|
|Exceeding 12 months but less than 15 months||50.00%|
|Exceeding 15 months but less than 18 months||45.00%|
|Exceeding 18 months but less than 24 months||30.00%|
|Exceeding 24 months but less than 27 months||20.00%|
|Exceeding 27 months but less than 30 months||15.00%|
|Exceeding 30 months but less than 36 months||00.00%|
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Need further assistance? Reach out on the Toll-Free Number: 1800-209-5858 to connect with an insurance expert.
Life is uncertain; you never know when a medical emergency may strike and catch you off-guard. Therefore, it is critical that you secure yourself with a Bajaj Allianz Individual Health Insurance plan available on Finserv Markets, to deal with such emergencies or unforeseen risks. Also, it is advised that one should buy a health insurance plan when one is young. The premium payable is comparatively less when one is young, and the benefits to be reaped by the policyholder over the long run are very attractive. Hence, millennials should definitely consider buying individual health insurance.
Lifetime renewal along with tax benefits under Section 80D of the Income Tax Act, 1961.
Unlike in a family floater wherein your entire family is covered under a single plan, an individual health insurance plan only covers you. Premiums for individual health insurance plans are more expensive than the family health insurance plans. However, the following points highlight why an individual health insurance plan is more beneficial.
A large number of customers trust us for various reasons. Here is why you must choose Bajaj Allianz Individual Health Insurance plan available on Finserv Markets.
In most cases, you do not require too many documents when you get an individual health insurance plan. You must complete the application form by accurately providing all relevant information, which must be duly signed, to get your Bajaj Allianz Medical Insurance policy. In some cases, we may need you to undergo the medical tests if you are over a certain age limit.
The entire procedure to apply for a Bajaj Allianz Individual Health Insurance plan on Finserv Markets is quite simple, easy and convenient. You just have to fill up & submit the online application form, make the payment and your policy will be issued in no time.
Yes of course, you need an individual health insurance. It is a well-known fact that medical expenses are increasing significantly, and it is hence sensible to invest in a Bajaj Allianz individual health insurance plan, irrespective of your age. The pace at which treatment costs are rising, one hospitalization event can take a huge toll on your savings. Also, there is a noteworthy increase in the number of life-threatening diseases, which makes it essential for every single person to have the best individual health insurance plan available out there.
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.
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.
The following Sum Insured options are available to you under our individual health insurance plans: 1) Health Guard Silver Plan: Rs.1.5/2 lakh. 2) Health Guard Gold Plan: 3/4/5/7.5/10/15/20/25/30/35/40/45/50 lakh.
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.
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.
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.