*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Life is full of uncertainties and to sail through it smoothly, it is important to have a financial back-up in place. Skyrocketing costs of procuring medical treatments often leave people in financial distress. Here come health insurance policies such as Bajaj Allianz Health Insurance in to the picture that takes care of all those unplanned expenses. Bajaj Allianz Health Insurance plans offer health coverage against hospitalization expenses incurred due to an illness or accidental injury and thus provides relief from sudden financial crunch.
Health insurance plans offered by Bajaj Allianz are comprehensive in nature, which can be availed at an affordable premium. Available in multiple types, these plans can be availed as per one’s insurance requirements. These health insurance policies also help the insured to save tax up to Rs 1 Lakh under section 80D of Income Tax Act 1961.
If the policyholder opts for health insurance for his or her spouse, children and parents, he or she can get Rs 25000 p.a. deduction against taxes. While If the person pays the premium for his or her parents, who are senior citizens, he or she can avail the tax benefit of up to Rs 50,000
If a person is above the age of 60 and is still paying the premium for his or her parents, then that person can avail a tax benefit of up to Rs 1 lakh
Bajaj Allianz Insurance plans are comprehensive and exclusively curated to provide health cover of varied range. With an impressively swift and high claim settlement ratio of 98%, these plans also provide cashless claim facility, at 6500 plus network hospitals.
Some of the features of Bajaj Allianz health insurance are:
Bajaj Allianz health insurance plans provide a comprehensive financial coverage to the policy holder
Bajaj Allianz health insurance helps the insured to get the best healthcare available without breaking the bank. Some of the policy benefits are as follows:
Bajaj Allianz offers wide range of health insurance products to provide financial security against unforeseen circumstances of life. These are:
This plan is affordable and covers the hospitalisation expenses of the insured person in case of an emergency situation. Some of its features are:
Bajaj Health Family Floater Plan covers the entire family including spouse, children or immediate family members under one health insurance policy. The purpose of this plan is to take care of the hospitalisation expenses in case of severe illness or injury. The sum assured can be used to meet the medical expenses of any member of the family and divided equally among the members.
Some of the policy highlights are:
This top-up policy can be bought to increase the coverage beyond the amount promised in the original plan at a minimal extra cost.
Some of the policy features are:
Personal Guard Policy offers protection against bodily injuries or death caused due to accident. Under this plan, the policyholder can even cover his family.
Some of the policy features are:
This plan provides coverage to the insured person against the listed critical illnesses. A lump sum amount is offered immediately after the insured is diagnosed with a covered illness under the plan. This plan will also cover donor expenses if the need arises.
Here’s the list of 10 medical illnesses covered under this plan:
The policy offers coverage to the entire family for 10 critical illnesses
Sum insured Rs 1 lakh to Rs 50 lakh available for the age group 6 years- 60 years
Sum insured Rs 1 lakh to Rs 5 lakh to be availed by the age group 61 years-65 years
100% payable benefit
This mediclaim policy is exclusively designed for senior citizens that provide financial protection against critical illnesses, hospitalisation and medical check- ups.
Some of its features are:
This Bajaj mediclaim policy offers protection to you and your family and takes care of medical expenses at every stage of life. Some of its features are:
This plan offers protection to the insured and their family against the financial crisis that may arise due the hospitalisation. It takes care of daily expenses during this period. This plan covers the entire family.
This is a family floater plan which provides all round protection to the insured person’s family against various risks that they are likely to face. This plan provides coverage under different sections. These are:
Health Guard
Hospital Cash
Critical illness
This section offers a lump sum amount if the insured is diagnosed with any of the critical illnesses mentioned in the policy. This amount can also be utilised to pay donor expenses in case of transplant operation.
Personal Accident
This section provides protection against temporary disability, accidental permanent/partial disability, accidental permanent total disability and accidental death.
Education Grant
This grant will be paid in case of total disability or accidental death to the nominee. This amount will help in fulfilling educational necessities of the children after the death of the insured person.
Household Mishaps
This section offers cover for damages or losses due to burglary or attempt of burglary. It also covers damages caused due to lightning, impact damage, explosion, aircraft damage, missile testing, earthquake, riots, landslide or fire.
Travel Baggage
This section provides coverage for loss of personal baggage while travelling in India. This may include destruction, accidental loss or any other type of damage.
Public Liability
This section protects against any legal liability that might arise from damage to property or bodily injury to a third party.
The entry age for Bajaj Health Star package for adults is 18-45 years, while the entry age for children is 3 months to 5 years. If one of the parents is insured, then children age 6 years to 25 years can be covered under this plan.
This plan offers to cover medical cost during hospitalisation due to serious accident or illness. It provides cashless treatment in 2400 network hospitals. Along 2% of admissible pre and post hospitalisation expenses, this plan also covers ambulance transportation charges.
Entry Age: 3 months to 55 years
Sum assured: Rs 50,000, Rs 75000, Rs 1 lakh
This floater plan not only covers outpatient and hospital expenses, but also helps in tax management. This plan provides cashless treatment in 6500 network hospitals, free health check-ups after 4 claim-free years, covers ambulance expenses up to Rs 1000. If the insured is admitted to a non-network hospital than 10% of the co-pay is applicable. The entry age for this plan is 18- 75 years.
Some of the policy features are:
Bajaj Allianz’s M-care health insurance policy provides protection against mosquito-borne diseases like dengue, malaria, chikangunya, zika virus among others. This policy helps in covering the financial burden that may arise due to vector borne diseases. It offers cashless treatment at network hospitals.
Some of the key features of this policy are:
Arogya Sanjeevani is a standard health insurance policy that provides health insurance at lowest premiums. It promises to provide comprehensive benefits at affordable prices. Some of its important features are:
The policy exclusions include the following:
The minimum eligibility criteria to buy this plan are mentioned below:
Plan Name |
Eligibility criteria |
Health Guard Individual Plan |
Adults -18 to 65 years Children – 3 months to 30 years |
Extra Care Health Plus Plan |
Adults- 18 to 70 years Children – 3 months to 25 years |
Personal Guard Policy |
Adults – 18 years to 65 years Children – 5 years to 21 years |
Critical Illness Health Plan |
Adults: 18 years to 65 years Children: 6-21 years |
Silver Health Insurance Plan |
Adults - 46 years to 70 years |
Health Supreme Plan |
Adults: 18 years and above Children: 3 months to 25 years |
Hospital Cash Daily Allowance Plan |
Adults -18 to 65 years Children - 3 months to 21 years |
Star Package Health Insurance |
Adults – 18 to 45 years, while the Children - 3 months to 5 years |
Health Ensure Plan |
3 months to 55 years |
Tax Gain Plan |
18 years to 75 years |
Global Personal Guard |
Adults – 18 years to 70 years Children – 3 months to 25 years |
Bajaj Allianz provides two types of claims: Cashless claim and Reimbursement claim.
Cashless Claim:
Bajaj Allianz health policy can be renewed in two simple steps online with Paisawiki.com:
The health insurance plans offered by Bajaj Allianz can be purchased through multiple channel. However, online buying is the easiest among them. Here’re the steps:
Given below is the list of documents required to purchase health insurance policies from Bajaj Allianz:
Proposal form
Bajaj Allianz offers a range of affordable and customised insurance policies to protect against high medical costs. They have high claim settlement ratio among all the insurance providers. Right from premium to benefits offered, it makes for a good investment option.
Ans: The premiums can be paid through cheque or cash by visiting the branch. The customer can also do online payment through credit/debit card, net banking, e-wallet and through ECS.
Ans: The policyholder can check the status of the policy by logging on to the insurance provider’s website with the help of a user Id and password and check the status by entering the policy details.
Ans: In that case, you just need to inform the insurance provider about it and provide details like membership id, hospital where the insured person is admitted etc. The insurance provider will start the cashless treatment.