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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioBajaj Allianz Health Insurance Ensure Policy is a family and individual comprehensive health insurance policy in India. As the cost of medical care has been on the increase and the health risks have been on the rise, a good insurance cover has become a must. The Ensure Policy of Bajaj Allianz is a unique policy that has attracted customers in the competitive market due to its flexibility, special benefits, and customer-friendly features that fit the current healthcare requirements in 2025.
This article will tell you all about Bajaj Allianz Health Insurance Ensure Policy, its features, options, eligibility, claim process, premium, advantages and disadvantages, exclusions, and answers to the most frequently asked questions. At the end, you will be clearly informed whether it is the right health plan in 2025 or not.
Bajaj Allianz Health Insurance Ensure Policy is a health insurance policy that is designed to offer financial security against hospitalisation costs and medical emergencies. It is created by Bajaj Allianz General Insurance Company, one of the most successful insurers with a good track record in the Indian health insurance market.
The Ensure Policy can cover individuals, families, parents, and even the elderly over 60 years. The policy will be structured with flexible sum insured choices, cashless advantages in over 8000 network hospitals, and an assortment of add-ons to improve coverage in 2025.
Some of the main areas covered include in-patient hospitalisation, pre and post-hospitalisation, daycare procedures, domiciliary treatment, ambulance charges, optional covers for critical illness, and out-patient department (OPD) expenses.
Did you know?
By 2025, almost forty percent of urban Indian households will want zone-based pricing health insurance. It saves up to 10-18 percent of the premiums on metro city rates.
Case Study
Mr. Suresh, a 38-year-old IT professional from Pune, chose the Bajaj Allianz Ensure Policy (sum insured Rs 10 lakh) for his family. In 2025, his wife had to undergo a gall bladder surgery which cost Rs 1.6 lakh. The whole bill was paid without cash in a listed hospital and he also received a free annual health check-up at the time of renewal.
Expert Insight
Waiting periods are common in health policies in terms of diseases and pre-existing illnesses. Waiting period comparisons are also essential before making a purchase on online insurance marketplaces.
Cashless Claims
Reimbursement Claims
The majority of claims are handled in 10 days. Follow them in real-time with their self-help online portal or app.
Q: Does Ensure Policy include co-payment or sub-limit?
A: Co-payment usually applies to senior citizen plans or on specific treatments. Sub-limits (caps on room rent, etc.) may be applicable at lower sum insured levels. See policy schedule.
Bajaj Allianz Health Insurance Premiums are based on:
| Age Group | Sum Insured | Family Floater (2A 2C) | Individual (per adult) |
|---|---|---|---|
| 25-35 years | Rs 5 lakh | Rs 10,200 | Rs 4,600 |
| 36-45 years | Rs 10 lakh | Rs 17,600 | Rs 8,600 |
| 46-55 years | Rs 10 lakh | Rs 29,800 | Rs 15,800 |
| 56-65 years | Rs 5 lakh | Rs 39,400 | Rs 19,200 |
Zone 2 cities have indicative rates. Add-ons and GST can be charged.
Compare plans online with various health insurers, verify available discounts and select the most appropriate features according to your needs. Marketplaces can help you to reduce the number of policies depending on your age, coverage needs, and budget.
Did you know?
A 2 or 3 year multi-year policy in 2025 may offer you a discount of up to 10 percent on total premium on Bajaj Allianz Health Insurance Ensure Policy.
Yes, Bajaj Allianz offers a number of customisation options to supplement your base plan.
These riders add a little to the premium but they add a lot to the coverage you have.
Q: Do the elderly have the option of purchasing Bajaj Allianz Ensure Policy?
A: Yes, the plan is available to people until age 65 years and renewable at any age. However, the elderly may be subjected to co-payment conditions upon admission.
In 2025, India has a wide variety of health insurance policies, but Bajaj Allianz Ensure is unique because of the quick settlement of claims, a wider network of hospitals, and high-tech assistance. A comparison with generic plans is as follows.
| Feature | Bajaj Allianz Ensure | Standard Policy (Typical) |
|---|---|---|
| Cashless Hospitals | 8000+ | 5000-6500 |
| Days prior to Hospitalisation | 60 | 30-60 |
| Critical Illness Add-on | 20+ illnesses | 10-15 illnesses |
| OPD Cover (Add-on) | Yes | Rare |
| Digital Claim Processing | Portal | Web/Call |
| No Claim Bonus | 10-50 | 5-25 |
| Waiting on PED | 24-48 months | 36-48 months |
| Lifelong Renewal | Yes | Mostly Yes |
Such comparisons are easy to make online, and you can select the most appropriate and affordable plan to meet your requirements.
Expert Insight
When comparing online health insurance policies, do not only look at the price of the premium, but also analyse waiting periods, cashless network, and digital support.
Real-Time Illustration
Mrs. Leena, a 42 year old resident of Indore required a surgery costing Rs 3.2 lakh. She had purchased a family floater Bajaj Allianz Ensure Policy of cover of Rs 10 lakh. All hospital expenses including pre and post-hospitalisation were settled directly (cashless), minimising her out-of-pocket cost. She also received a No Claim Bonus which raised her sum insured next year without additional premium.
Q: Does Bajaj Allianz Ensure Policy health insurance premium qualify as a tax benefit?
A: Yes, the premium paid is allowed as a deduction to the income tax under section 80D of the Income Tax Act. For FY 2025, the maximum deduction is up to Rs 25,000 for self and family, and Rs 50,000 for parents (above 60).
Bajaj Allianz has enhanced its online product, including 24x7 chat, convenient mobile app, WhatsApp support, and health claim managers. Policy purchase, renewal, claim tracking and document upload has become easy and quicker than ever before through the digital strategy in 2025.
The service is offered in various languages of India and policy documents are provided via email immediately. In case of inquiries, there are toll-free and local support lines.
To renew, authenticate, pay and renew immediately using policy number and date of birth.
Online purchases guarantee a fair comparison, immediate premium calculation, and the availability of discount offers that are not available in the real world.
Before purchasing, one should read the policy document or declaration page carefully and compare the waiting periods of diseases that apply to your age group on insurance comparison websites.
Did you know?
One of the top 3 reasons why health insurance claims are rejected in India is waiting period. Never wait to purchase because later you will not be able to claim.
Q: Is it possible to purchase Bajaj Allianz Ensure Policy on my parents who are above 60 years?
A: Yes, the ensure policy is able to cover up to 65 years, and renewable till death.
Q: What is the maximum number of members that I can cover on family floater policy?
A: Self, spouse, up to 4 children and dependent parents can be covered under a single floater.
Q: What is the highest amount of cover on the Ensure Policy?
A: Depending on age and city of residence, the maximum sum insured is Rs 1 crore per policy year.
Q: What claims do you need?
A: Basic KYC, hospital bills, medical reports, claim form and discharge summary. No fuss about cashless in network hospitals.
Q: Is it only online in 2025 or can I purchase this policy offline?
A: Both are available, but online policies are popular because of discounted premium and clear comparison.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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