Bajaj Allianz Health Insurance
Bajaj Allianz Health Insurance stands out by offering a range of policies tailored to meet diverse healthcare requirements.
Quick
Cashless
Effective
Tax Benefit
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Bajaj Allianz Health Insurance
Understanding Bajaj Allianz Health Insurance Plans
| Plan Name | Coverage (₹) | Premium (₹/Year) | Key Features | Add-Ons Available | Eligibility |
| Health Guard Policy | 1 lakh – 50 lakh | Starts from ₹3,500 | Covers hospitalization, daycare, AYUSH, and maternity benefits | Critical illness cover, personal accident | 18 to 65 years |
| Critical Illness Plan | 1 lakh – 2 crore | Starts from ₹5,000 | Lump-sum payout on diagnosis of listed critical illnesses | Cancer care, heart-related add-ons | 6 to 65 years |
| Family Floater Plan | 2 lakh – 1 crore | Starts from ₹4,800 | Single sum insured for entire family, including daycare and ambulance charges | Maternity benefits, wellness packages | 18 to 65 years (adult), 90 days (child) |
| Silver Health Plan | 1 lakh – 5 lakh | Starts from ₹3,200 | Tailored for senior citizens with pre-existing disease coverage from day one | Personal accident, AYUSH coverage | 46 to 70 years |
| Health Care Supreme | 5 lakh – 2 crore | Starts from ₹6,000 | Comprehensive coverage including OPD, dental, and maternity expenses | Critical illness, OPD benefits | 18 to 65 years |
Optional Covers for Enhanced Protection
Riders are optional add-ons that can be attached to your policy to enhance its health insurance benefits, especially for specific needs. Hospital Cash Daily Allowance Rider, Maternity Rider, Personal Accident Rider, Room Rent waiver etc are some of the popular riders that can be added along with your base insurance policy.
Why Choose Bajaj Allianz for Health Insurance?
Bajaj Allianz stands out for its customer-centric approach and comprehensive coverage options:
- Trusted Insurer: A reputable name in the insurance industry with a strong track record.
- Innovative Plans: Offers plans with unique features tailored to individual needs.
- Customer Support: Dedicated support team to assist with queries and claim processes.
Pro Tip: Regularly reviewing your health insurance policy ensures that it continues to meet your evolving healthcare needs.
Bajaj Allianz Health Insurance Plans
Health Guard Policy
Critical Illness Plan
Family Floater Plan
Silver Health Plan
Health Care Supreme
Benefits of Choosing Bajaj Allianz Health Insurance
Several key benefits accompany Bajaj Allianz Health Insurance selection:
- Comprehensive Coverage: This insurance plan covers extensive health needs while allowing customers to customize their protection according to their specific requirements.
- Wide Network of Hospitals: Policyholders can use the extensive network of hospitals to undergo cashless treatment procedures.
- Flexible Plans: Health insurance plans from Bajaj Allianz offer adjustable coverage packages that adapt to families or solo policyholders.
- High Claim Settlement Ratio: Efficient and prompt claim settlement process.
- Lifelong Renewability: Policyholders can renew their coverage through Lifelong Renewability without facing any policy-related restrictions.
How to Choose the Right Health Insurance Plan from Bajaj Allianz?
A successful health insurance plan selection requires thorough evaluation of different factors.
- Assess Your Healthcare Needs: Begin by evaluating your personal medical background as well as lifestyle choices and possible health dangers that might affect your coverage requirements.
- Determine the Sum Insured: The selection of suitable sum insured requires evaluation to match medical expenses requirements.
- Check Network Hospitals: Verify that your selected hospitals operate within the insurer’s network by checking their list of facilities.
- Understand the Inclusions and Exclusions: Read the policy document carefully to understand both included and excluded coverage.
- Consider the Waiting Periods: Understand how waiting periods affect particular treatments and pre-existing conditions.
Pro Tip: Starting health insurance coverage early in life can result in reduced payment costs and broader coverage because insurers view younger members as lower-risk customers.
Inclusions & Exclusions in Bajaj Allianz Health Insurance
| Inclusions | Exclusions |
| Inpatient Hospitalization – Covers hospital stay expenses, including room rent, ICU, and medical costs. | Pre-existing Diseases – Covered only after the waiting period. |
| Pre & Post-Hospitalization – Medical costs before and after hospitalization. | Cosmetic & Aesthetic Treatments – Plastic surgery, Botox, and similar treatments are excluded. |
| Day-Care Procedures – Treatments that don’t require overnight hospitalization (e.g., cataract surgery). | Dental & Vision Expenses – Not covered unless caused by an accident. |
| Ambulance Charges – Coverage for emergency ambulance services. | Self-inflicted Injuries – Excludes injuries from suicide attempts or substance abuse. |
| Domiciliary Treatment – Treatment provided at home under medical supervision. | War & Nuclear Radiation Injuries – No coverage for injuries due to war or radiation. |
| AYUSH Treatments – Alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) available with select plans. | Congenital Diseases – Generally excluded unless otherwise specified. |
| Maternity & Newborn Cover – Covers childbirth and newborn care in select plans. | Fertility Treatments – IVF, surrogacy, and other related treatments are excluded. |
| Critical Illness Cover – Lump sum payout upon diagnosis of listed critical illnesses. | Unproven/Experimental Treatments – Treatments without recognized medical backing are excluded. |
| Cashless Treatment – Available at network hospitals across India. | Hospitalization Without Doctor’s Advice – Admissions without a doctor’s prescription are not covered. |
How to Purchase Bajaj Allianz Health Insurance on Fincover.com?
- Navigate to Fincover.com and choose the health insurance section.
- Complete the required form by providing your age with location information and a summary of your coverage needs.
- Review the different plans and advantages of Bajaj Allianz.
- Proceed to purchase your selected health insurance plan by clicking on Buy Now.
- Your proposal form requires entry of both personal information and medical background data.
- Upload required documents (if any).
- Make secure online payment.
- A digital copy of your policy arrives through email immediately.
How to Calculate Bajaj Allianz Health Insurance Premium?
Bajaj Allianz Health Insurance uses customer age and selected sum insured amount as well as plan type and medical history to establish rates for premiums. Users can determine their premium rates through the Star Health online premium calculator which allows them to calculate what they need to pay for their insurance coverage.
To calculate the premium, follow these steps:
- Standards to estimate insurance costs at Bajaj Allianz include the following sequence:
- You should navigate to either Bajaj Allianz Insurance’s official website or Fincover.com.
- Choose your desired policy from the available options.
- Start by entering your age along with your gender while adding your medical history records.
- Select the insurance amount you need and the policy duration you want to cover.
- The tool shows an estimated premium cost after the input data has been processed.
The Claim Process at Bajaj Allianz
How to File a Cashless Claim?
- You must receive care within a Bajaj Allianz network facility.
- Show your Health ID card to the hospital reception staff at the time of admission.
- A pre-authorization request moves from the hospital to Bajaj Allianz Health through their system.
- After successful approval from Bajaj Allianz Health Insurance, the hospital directly settles the claim
How to File a Reimbursement Claim?
- You have the choice to receive treatment at any medical facility.
- The first step is to pay your medical expenses and gather all hard copies of your receipts.
- Send your claim form together with supporting documents to Bajaj Allianz Health.
- The company completes their verification process then makes payments directly to your banking account.
Documents Required for Health Insurance Claim at Bajaj Allianz
When filing a claim, ensure you have the following documents:
- Duly filled and signed claim form.
- Original discharge summary from the hospital.
- Original hospital bills with detailed cost breakdown.
- Original paid receipts.
- All laboratory and test reports.
- Copy of invoice or stickers in case of implants.
- First consultation letter from the doctor.
- KYC form.
- Completely filled and signed NEFT form by the policyholder.
How to download Bajaj Allianz Health Insurance Policy?
To download your Bajaj Allianz Health Insurance policy document:
- Visit the Official Website: Go to the Bajaj Allianz General Insurance website.
- Login to Your Account: Use your credentials to access your account.
- Navigate to ‘My Policies’: Find the section where your active policies are listed. Choose the specific health insurance policy you wish to download.
- Click on the download option to save the policy document to your device.
Insight: Keeping a digital copy of your policy document ensures easy access during emergencies.
Tax Benefits Under Section 80D
Star health insurance policies offer tax deductions under Section 80D.
| Who is Insured? | Maximum Deduction |
| Self, Spouse & Children | ₹25,000 |
| Parents (Below 60 years) | ₹25,000 |
| Parents (Above 60 years) | ₹50,000 |
| Family + Senior Citizen Parents | ₹75,000 – ₹1,00,000 |
Example: If you pay ₹40,000 for family insurance and ₹50,000 for senior citizen parents, you can claim ₹90,000 in tax deductions!
Frequently Asked Questions on Bajaj Allianz Health Insurance
1. What is covered under Bajaj Allianz Health Insurance?
Coverage includes inpatient hospitalization, pre and post-hospitalization expenses, and day-care procedures.
2. How can I check the list of network hospitals?
The list is available on the official Bajaj Allianz website.
3. Is there a waiting period for pre-existing diseases?
Yes, typically a waiting period applies, varying by policy.
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