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Bajaj Allianz Health Insurance

A joint venture between Bajaj Finserv and Allianz, Bajaj Allianz General Insurance has been providing insurance products from 2001. Apart from health insurance services, they provide a wide range of insurance products such as motor, travel, home and marine insurance.

Features & Benefits of Bajaj Allianz Health Insurance

  • Affordable plans: Bajaj Allianz offers a number of health insurance plans for individuals, families and working executives. The plans are designed to provide everyone access to affordable health care services.
  • Faster claim settlement: Claims are settled at a much faster pace at Bajaj Allianz. The time taken on an average to settle a claim is just 1 hour.
  • 24/7 assistance: Bajaj Allianz offers customers assistance on a 24/7 basis. All claims can be settled through this call assistance feature.

Plans provided by Bajaj Allianz Health Insurance

Plan Name Plan Basis (individual, family, etc) Sum Insured (Min and Max) Policy Term (in year)
Health Guard Individual and Family Min: Rs.1.5 lakh Max: Rs.50 lakh 1, 2 and 3
Critical Illness Individual and Family Min: Rs.1 lakh Max: Rs.50 Lakh Annual policy
Extra Care Individual and Family Up to Rs.15 lakh Annual policy
Global Personal Guard Individual Min: Rs.50,000 Max: Rs.25 crore 1, 2 and 3

Health Guard

The Health Guard - Individual health insurance policy provides good coverage and comes with cashless claim facility, free health check-ups, etc.

Unique Features of Health Guard

  • Complimentary health check-up after completion of 3 claim-free years
  • Tax benefit applicable, lifelong renewal option
  • Reinstatement of sum insured, hospital cash benefit
  • Maternity and newborn baby expenses cover
  • This policy provides coverage for hospitalization expenses that includes charges incurred towards room, boarding, nursing, ICU, surgeon, anesthetist, blood, oxygen and other inpatient treatments
  • Pre, and post-hospitalization costs
  • Ambulance and day care treatment cover
  • Organ donation and convalescence advantage
  • Provision for bariatric surgery

Plan Details

Policy term (in year) 1, 2 and 3
Entry Age 18 to 65 years
Plan Basis Individual and Family
Sum Insured Range Min: Rs.1.5 lakh Max: Rs.50 lakh
Premium Depends on age, sum insured, etc
Medical Screening Not a must till 45 years
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes
Discounts Family discount

Critical Illness

The Critical Illness health Insurance plan provides comprehensive coverage for specified serious illnesses.

Unique Features of Critical Illness

  • Coverage for 10 specified critical illnesses.
  • Lump sum will be paid upon diagnosis of a specific ailment
  • Tax benefit available

Plan Details

Policy term Annual
Entry Age 18 to 65 years
Plan Basis Individual and Family
Sum Insured Range Min: Rs.1 lakh Max: Rs.50 lakh
Premium Depends on age, sum insured, etc
Medical Screening As mentioned in the policy document
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes
Discounts Family discount

Extra Care

The Extra Care policy is a top up plan that provides coverage over and above the existing health insurance policy.

Unique features of Extra Care

  • Coverage for hospitalization, pre, and post-hospitalization
  • Ambulance charges

Plan Details

Policy term Annual
Entry Age 3 months to 70 years
Plan Basis Individual and Family
Sum Insured Range Upto Rs.15 lakh
Premium Depends on factors such as age, sum insured, etc
Medical Screening Not a must till 55 years
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes
Discounts Family discount

Global Personal Guard

The Global Personal Guard health insurance plan provides international coverage and it is best suited for those who frequently travel outside the country.

Unique Features of Global Personal Guard

  • Provides coverage in case of death and disability
  • The optional coverage options include hospitalization cost in case of an accident, adventure sports, air ambulance, travel related expenses, road ambulance, loss of job, loan protection, daily cash allowance, fractures, coma
  • Education benefit for children
  • EMI payment

Plan Details

Policy term 1, 2 and 3 year
Entry Age Up to 70 years
Plan Basis Individual
Sum Insured Range Min: Rs.50,000 Max: Rs.25 crore
Premium Depends on age, sum insured, etc
Medical Screening As mentioned in the policy document
Co-Payment As mentioned in the policy document
Waiting Period As mentioned in the policy document
No Claim Bonus Yes

Checklist before Buying Bajaj Allianz Health Insurance

  • Finalize the coverage amount
  • Choose an appropriate health insurance plan based on individual and family needs
  • Finalize on the sum insured and premium payable
  • Read the policy document
  • Choose the add-on covers
  • Keep all documents ready
  • Take a look at all the exclusions in the policy document

Documents Required for Purchasing Bajaj Allianz Health Insurance

  • Any government issued id proof
  • Any government issued address proof
  • Medical certificates, if asked by the insurance company

Reasons to choose Bajaj Allianz Health Insurance

Customizable plans
Cashless claim benefit
Extensive coverage
Easy purchase and renewal

Incurred Claim Ratio of Bajaj Allianz Health Insurance

The incurred claim ratio is defined as the total number of claims that are settled in a particular year by the insurance company. The figure is computed by using a formula and is usually represented as a percentage figure.

Year Incurred Claim Ratio
2015-16 74.94%

Extra Benefits from Bajaj Allianz Health Insurance

Toll-free helpline The toll-free helpline offers policyholders the opportunity to resolve their queries at any time of the day without any hassles.
Premium calculator Prospective buyers can calculate their premiums using the premium calculator by logging on to their website.

Bajaj Allianz Health Insurance Renewal

One can easily renew their health insurance policy online by logging on to their website. Click on the ‘Renew Online’ option and choose the ‘Health Insurance’ option. Fill in details and proceed to make payment.

Bajaj Allianz Health Insurance Network Hospitals for Cashless Treatment

Bajaj Allianz has a wide network of over 5,700 network hospitals across the city. All policyholders can claim for cashless health care services without any inconvenience at these network hospitals. Identify the network hospital closest to your locality by logging on to their website.

Claim Procedure in Bajaj Allianz Health Insurance

Cashless claim:

  • The insurance provider must be informed immediately in case of an emergency and a few days in advance in case of a planned treatment
  • Approval should be obtained and health insurance related documents such as the health card should be kept ready
  • Bills will be paid by the insurance company directly to the network hospital

Reimbursement claim:

  • Fill the duly signed claim form
  • Keep medical bills ready for submission
  • Submit the relevant documents along with the claim form

Terms and Conditions of the Insurer

  • Policies can either be withdrawn or canceled if any information provided by the policyholder is untrue, misrepresented or concealed.
  • A claim might not be processed if the claim form is incomplete
  • All claim should be made within deadline
  • Claims cannot be made for any exclusions