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Last updated on: May 20, 2025
When comparing Bajaj Allianz Health Insurance and Go Digit Health Insurance, both offer comprehensive health coverage, cashless hospital networks, and innovative digital processes. Bajaj Allianz stands out for its extensive pan-India network, established customer support, and a wide range of customizable plans suited for individuals, families, and senior citizens. Go Digit impresses with its user-friendly online claim process, simplified policy options, and quick settlements, catering especially to tech-savvy customers seeking hassle-free services. While Bajaj Allianz may appeal to those prioritizing brand legacy and diverse offerings, Go Digit is ideal for customers valuing digital-first experiences and transparency. Choosing between them depends on your preference for traditional reliability versus digital efficiency and the specific health benefits that best fit your needs
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Read BioSelecting a health insurance policy that best suits your family in India can be daunting with the mushrooming number of insurers and their various plans. Bajaj Allianz Health Insurance and Go Digit Health Insurance are two of the most popular providers to compare in 2025. Both companies have been characterized by their customer-friendly policies, online assistance, and low premiums. Nevertheless, their plans, features, add-ons, claim processes and benefits can vary greatly.
This comparison brings out the key points of the two insurance companies to enable you to choose the most appropriate product to suit your needs.
Bajaj Allianz General Insurance Company, a joint venture between Bajaj Finserv and Allianz SE, has set up its presence with a wide network and strong digital services. The company provides a variety of health insurance covers such as individual, family floater, senior citizen health covers, critical illness covers, and others. The fact that claims process and network hospitals are reliable is a major plus.
Go Digit General Insurance is a rather young insurance company that was launched in 2016, yet it has already become popular because of its digital-first approach and easy-to-understand policy wordings. Go Digit is about simple products, limited exclusions, and clear claims. Their plans are comprehensive and are meant to reduce claims disputes and maximize customer satisfaction.
Key features snapshot (Bajaj Allianz Health Insurance):
You did not know?
Bajaj Allianz provides restoration of sum insured benefit several times in a policy year, which provides coverage even after the base sum insured is exhausted.
Key features snapshot (Go Digit Health Insurance):
Expert opinion:
The claim settlement ratio of Go Digit is above 96 percent, which makes it one of the most trusted companies to file claims easily as of 2025.
| Parameter | Bajaj Allianz Health Insurance | Go Digit Health Insurance |
|---|---|---|
| Established: | Founded: 2001 | 2016 |
| Network Hospitals | 8000+ | 6900+ |
| Claim Settlement Ratio (2025) | 98% | 96.3% |
| Claims Process Time (Cashless) | Avg 60 mins | Avg 75 mins |
| Maximum Sum Insured | Rs 1 Crore | Rs 1 Crore |
| Restoration Benefit | Yes (Multi-time) | Yes (Unlimited) |
| Pre/Post Hospitalisation | 60/90 days | 60/180 days (plan-specific) |
| Premium Range (30-year-old) | Rs 6,000 - 10,500/yr | Rs 5,500 - 9500/yr |
| Annual Health Checkup | Yes (selected plans) | Yes (from Year 1) |
| Waiting to PED | 2-4 years | 2-3 years |
| Maternity Cover | Optional add-on | Optional add-on |
| Day Care Treatments Covered | 600+ | 540+ |
| Wellness Benefits | Yes | Yes |
| Digital Process | Powerful with a bit of paperwork | Digital end-to-end |
Pros
Cons
Ramesh Experience Case Study
Ramesh, a 40-year-old IT professional in Pune, selected Bajaj Allianz to cover his family of four because of the large number of network hospitals and the wide coverage of daycare treatment. In 2025, his daughter had to undergo knee surgery, and the whole process, including pre-authorisation, admission, and discharge, went well, with the hospital desk of the insurer efficiently handling paperwork.
People query as well
Does Bajaj Allianz Health Insurance cover senior citizens?
Yes, it provides senior citizen policies which have special benefits such as daily allowance and critical illness cover. But, be careful of the co-payment clause on higher age groups.
Pros
Cons
A Real Life Example: The Case of Seema
Seema, a freelance writer in Delhi, has taken Go Digit Digit Infinity policy on her parents. In February 2025, she made the claim on their app after a sudden hospitalisation. The hospital obtained cashless authorisation in 45 minutes, and Seema considered the experience to be stress-free and modern.
Expert opinion:
Go Digit has enhanced customer loyalty through its transparent claim tracking in real-time, which has now become the industry norm through its app-based notifications.
In the comparison of Bajaj Allianz Health Insurance and Go Digit Health Insurance in 2025, one should not only look at the premiums, but also consider the following areas:
Individuals also inquire
Which is the faster paying policy, Bajaj Allianz or Go Digit?
Both offer fast cashless settlements, but the fully digital platform of Go Digit can often lead to quicker intimation and approval in case you are comfortable with mobile apps.
| Insurer | Sum Insured | Annual Premium (approx) | Key Inclusions |
|---|---|---|---|
| Bajaj Allianz | Rs 10 lakh | Rs 15,500 | Restoration, checkup, add-ons optional |
| Go Digit | Rs 10 lakh | Rs 13,800 | Restoration, digital claims, low co-pay |
Pre-existing disease (PED) coverage is a vital concern.
Both enable you to transfer existing insurance with appropriate paperwork.
Indians have now taken to comparing the finer details of health insurance coverage, exclusions, features, and costs with each other through online marketplaces. These websites provide in-depth policy comparison, online calculators, and impartial plan reviews of Bajaj Allianz, Go Digit, and others. The quick quote and feature comparison tools make the process of decision-making extremely easy, particularly to first-time buyers or those who are renewing their existing health insurance policies.
People also enquire
Is it possible to transfer my policy to Go Digit through portability?
Yes, you can transfer your health policy during renewal to another company, provided the policy is in force and the terms are fulfilled. Portability brings continuity benefits.
How fast does Bajaj Allianz vs Go Digit settle a claim?
Bajaj Allianz usually settles cashless claims within 60 minutes, but Go Digit settles online in 45-75 minutes, depending on the hospital and documentation.
Which insurer has a better sum insured restoration cover?
Both provide restoration, but Go Digit standardises unlimited restoration in many plans, as opposed to multiple times in Bajaj Allianz.
Do both include or have optional critical illness riders?
Critical illness: This is part of some plans but is sold as an add-on to both. Never buy a rider without reading it first.
Are both OPD treatments covered?
A: Selected Go Digit plans offer OPD (outpatient) coverage; Bajaj Allianz offers OPD as add-ons or in limited plans.
How do I obtain a cashless card to hospitalise?
On policy purchase, the two insurers issue e-cards to cashless hospitalisation. Bring your card and photo ID with you when you come in.
As ever, read the most up-to-date 2025 policy wording, and use online insurance marketplaces to compare and contrast quotes, features, and exclusions based on your age group, health status, and location.
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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