Bajaj Allianz Health Insurance Top Up Plan: All you need to know in 2025

The health care expenses in India are increasing gradually. A basic health insurance policy, though necessary, can prove to be inadequate in case you encounter critical medical procedures or extended treatment. This is where a top up health insurance policy such as the Bajaj Allianz Health Insurance Top Up Policy comes in. By 2025, when medical costs are higher and new technologies have been introduced in hospitals, it is important to know how a top up plan functions, what benefits it brings, and whether it is appropriate to your health policy requirements.

What is Top Up Health Insurance Plan?

A top up health insurance plan is a supplementary cover which supplements your existing health cover policy. It comes into effect when the coverage of your existing policy is used up, or when claims exceed a certain amount of limit or deductible.

Top up plans do not pay the first rupee like regular policies but only after you have used a specified amount of your own or your basic policy has been used up to its sum insured. Bajaj Allianz is one of the most popular health insurance companies in India and it has designed its top up products to fit individuals and families so that high sum insured options become affordable.

Did you know? As per the IRDAI data, the average hospital bills in metro cities have doubled in 2019-2024. This makes a top up plan a wise move in 2025, to cushion your savings against unforeseen expenses.

Why Bajaj Allianz Health Insurance Top Up Plan?

The top up policy of Bajaj Allianz is specifically tailored to offer high cover with low premium rate. It is a perfect option to salaried professionals and business owners who already have a base medical cover whether individually or through employers.

Key Benefits:

• Increased Sum Insured: Have increased cover of up to 50 lakh or more in addition to your basic health plan.
• Low Cost Premium: Pay much less than buying a new health insurance with a higher sum insured.
• No Hospitalisation Cap: Select any of the 8000+ network hospitals including city hospitals.
• Flexibility of Deductible: Decide the deductible (threshold amount) as per your comfort and budget.
• Family Floater Option: The entire family is covered by one policy.
• No Cash Treatment: No more paper work, just a stress free hospitalization.
• Tax Benefits: Section 80D of the Income Tax Act gives a deduction of up to 25,000. (Check latest 2025 criteria)

How Does the Plan Play Out?

Let us assume that Priya already has a group health cover of 3 lakh with her employer. She buys the Bajaj Allianz Super Top Up policy with 15 lakhs sum insured and 3 lakhs deductible. She requires hospitalisation of 6 lakhs in a year because of an accident.

• The employer health policy covers 3 lakh.
• The Bajaj Allianz top up policy then comes into effect and covers the rest 3 lakh.
• Priya is protected from paying anything above her policy’s deductible.

QUESTIONS PEOPLE ASK:

Q: Is a top up health policy equivalent to purchasing a higher sum insured outright?
A: No, top up plan is cheaper since it only pays after a specific amount is reached so higher coverage is cheaper than a standard policy with the same amount of insurance.

What are the Highlights / Key Features in 2025?

Coverage Highlights

• Sum Insured of upto 50 lakh
• Deductibles as low as 1 lakh rupees
• Up to 60 and 90 days were covered by pre and post hospitalisation
• Most plans have no room rent capping
• No disease or treatment specific capping
• Maternity and newborn baby coverage (optional add-on)
• Preexisting conditions covered after 2 years
• Daycare procedures: Covers 600+ procedures, according to policy document

What’s Unique?

• Renewability at any age without age restrictions
• No compulsory medical checkup for entry age up to 55 (may vary, check latest 2025 rules)
• Real time claim intimation and tracking online
• Portability advantage: Easy transfer of other insurers top up or base policies

Expert Insight:
Top up covers are one of the most effective methods of future proofing your health cover without straining your annual budget, especially with medical inflation expected to reach around 18 percent in 2024 as per NITI Aayog.

Pros and Cons of Bajaj Allianz Health Insurance Top Up Plan

Pros

• Low-cost method of expanding coverage: High cover is much cheaper to insure.
• Deductible option: Gives you an opportunity to tailor the policy to current employer-paid or self-paid plans.
• Corporate exhausted limit coverage: Best in situations where employer plans are employed.
• Simple claim procedure: Life is easier with online and paperless claims.
• Add-ons: Add customisations such as critical illness or maternity.

Cons

• Deductible Complexity: Not coordinated with base cover, you may need to pay out of pocket, then the top up may pay.
• It is not a perfect policy on its own: It is only effective when used as a complement to an already existing health cover.
• Waiting period of preexisting diseases: You must wait up to 2 years to receive that benefit.

Quick Fact Table

Actual values could be different according to age and sum insured, as per 2025 plans.

Selecting Deductible in Bajaj Allianz Super Top Up Plan

The deductible is essential. It’s the amount you pay (from pocket or via existing policy) before the insurer pays the claim.

• In case you have employer cover of 5 lakh, select 5 lakh deductible.
• In case you have personal insurance of 3 lakh, choose 3 lakh deductible.

The higher the deductible the lower the premium, but ensure that it fits into your existing base policy, so as to avoid gaps where no cover is applicable.

OTHER QUESTIONS PEOPLE ASK:

Q: Will the Bajaj Allianz Super Top Up plan work with just corporate insurance?
A: Yes, it can be used to top up employer paid group policies which are usually lower in sum insured. Simply make sure that the deductible is equivalent to your basic coverage.

Case Study Real World Example

Rahul, 42, Mumbai
Rahul had an individual health insurance of 5 lakh rupees. In 2025, when he was at the risk of undergoing heart surgery that would cost 8 lakh rupees, he bought a Bajaj Allianz Health Top Up policy with 15 lakh sum insured and 5 lakh deductible. When an operation was required:

• Primary policy pays first 5 lakh
• Top up policy paid 3 lakh remaining

Rahul therefore did not have to dip into his personal savings, even in a major procedure.

Did you know? Top up plans are not discriminatory in terms of illnesses and besides the common diseases, they also cover costly procedures such as organ transplants, cancer treatments, etc. within policy terms.

Who is Bajaj Allianz Health Insurance Top Up Plan 2025 good for?

This plan is appropriate:

• Individuals who have low-level health insurance and fear high bills
• Seniors and retirees who require additional cushion and not high annual premiums
• Self-employed or freelancers who purchased basic health plans previously
• Employees in the corporate world who depend on the health insurance of the employer
• Families that have a history of hereditary illnesses

Add this plan to your current coverage to make a strong protection net.

Do I need Medical Tests to Apply Super Top Up?

Bajaj Allianz typically does not require pre-policy health check ups of applicants who are below 55 years and have no adverse health disclosures. But in case of larger sum insured or in case you have some pre-existing medical conditions, a health check may be advised.

PEOPLE ALSO ASK:

Q: What happens when I have never had health insurance before and want to buy a top up?
A: Yes, but you will be responsible for covering the deductible (threshold amount) out of your own pocket in case of a claim. It works better when you already have a policy.

What is Not Covered in Bajaj Allianz Health Top Up Policy?

Just like any other insurance product, it has some exclusions:

• Prevailing illnesses during the waiting period
• Non-allopathic (AYUSH) treatments (unless specified)
• Plastic surgery or weight loss surgery
• Self-harm or risky sport-related injuries
• International treatment
• Experimental or unproven treatment

The most up-to-date exclusions according to 2025 should always be checked in the policy document.

Bajaj Allianz Health Insurance Top Up Plan Buy Online

It can be purchased easily both offline and online. By 2025, the majority of users will use online marketplaces to compare plans of various insurers, including Bajaj Allianz, within a short period. These websites show features, premiums, and network hospital lists, so you can make an informed choice. Ensure that you read the terms of policy before concluding your purchase.

Expert Insight:
A survey conducted by ET Healthworld in 2024 showed that more than 74 percent of urban consumers now search and purchase their health top up plans online due to the convenience of comparing and issuing the policy on the spot.

Claim and Renewal Process

• Reminder of annual renewal to your registered contact
• Late renewal grace period usually 30 days
• Claiming is also cashless and reimbursement based
• Claims may be made online or via mobile apps or at network hospitals directly
• Documentation: Hospital bills, discharge summary, old insurance policy details
• There is rapid assistance through helpline, email, and chat.

Bajaj Allianz Super Top Up Plan: Comparison of Other Top Up Plans

Let us do a fast comparison of why this top up plan is special in 2025:

See current policy brochures and terms for latest information.

Is a Top Up Policy Covered to All Family Members?

Sure, you can take a family floater variant. It is particularly appropriate in joint families or nuclear families, which have children or parents who are dependent. All the members are insured under one sum insured with deductible conditions.

Claims Scenario Table

What is the Bajaj Allianz Claim Settlement Record?

Bajaj Allianz boasts a claim settlement ratio of around 94 percent (as per FY24-25 data). This qualifies it to be one of the most trusted insurers when it comes to smooth and equitable claim settlement in the nation.

Did you know? As per the customer survey conducted by IRDAI in December 2024, Bajaj Allianz ranked in the top three in regards to customer satisfaction in health insurance claim redressal.

TL;DR / Short Summary

Bajaj Allianz Health Insurance Top Up Plan is a low-cost product to supplement your existing health insurance with a large sum insured.
It kicks in once your base policy limit or deductible is exceeded.
The major features are large sum insured, tailored deductibles, and wide network hospitals.
It is best used to supplement employer or basic health covers.
Compare plans on online marketplaces before buying to get the best plans and clear prices.

People Also Ask (FAQs)

Q: Can I buy Bajaj Allianz Super Top Up without base policy?
A: Yes, but you will need to pay the deductible out of pocket first and then the plan will kick in.

Q: What is the pre-existing disease waiting period?
A: Two years, one of the shortest in top up plans.

Q: Does the scheme provide cashless hospitalisation?
A: Yes, in India, in more than 8,000+ partner hospitals.

Q: Is it possible to make my parents part of this plan?
A: Yes, avail family floater option on dependants such as parents or in-laws.

Q: What will be the premiums with high deductible?
A: Yes, the more you select out of pocket deductible the less the premium.

Q: What is the best way to compare top up health insurance plans?
A: Visit reliable websites on the internet and compare different plans, check their coverage, premiums and the list of hospitals to know which policy will fit your needs.

Sources:

• NITI Aayog Health Insurance Analysis 2024
• Bajaj Allianz Official Website
• ET Healthworld Insurance Consumer Survey