Bajaj Allianz General Insurance Company

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About Bajaj Allianz General Insurance Company Limited

Bajaj Allianz is a leading private General Insurance Company in India and a joint venture between Bajaj Finserv Limited and Allianz SE. The Company was incorporated on 2nd May 2001 and the company conducts its operations with offices in 1100 towns and cities.

The Company reported a Gross Written Premium of Rs15,487 Crores in FY23 v/s Rs13,788 Crores in FY22, translating to a market share of 6.0%. The Profit After Tax stood at Rs1348 Crores in FY23 v/s Rs1339 Crores in FY22. The Company reported an Incurred Claims Ratio of 72.92% in FY23. The Company issued approximately 2.8 crore policies and settled more than 50 lakh claims in FY23.

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company provides Motor Insurance, Health Insurance, Travel Insurance, Fire Insurance, Marine Insurance, D&O Liability Insurance Policy, Product Liability Insurance, Cyber Insurance products to its customers.

History of Bajaj Allianz General Insurance Company Ltd

Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited, one of India’s leading financial services companies, and Allianz SE, a global insurance giant based in Germany. The company was established in 2001 and has since become one of the leading private general insurance providers in India.

Key milestones in the history of Bajaj Allianz General Insurance Company Limited:

2001: Bajaj Allianz General Insurance Company Limited was incorporated on 2nd May 2001 as a joint venture between Bajaj Finserv Limited and Allianz SE. The Company was profitable in its first year of operations 2002: Bajaj Allianz became the first company to issue Insurance Policy online 2004: Bajaj Allianz set up first In-House Health Claim Settlement facility 2006: Bajaj Allianz General Insurance Company became the first Private Sector General Insurance Company to cross Rs100 Crores in Net Profits. 2014: Bajaj Allianz General Insurance Company settled Insurance Claims worth Rs1000 Crores during J&K Floods and HudHud Cyclone 2016: Expanded Company’s network to 5000 hospitals and 1500 diagnostic centres 2018: Company issued India’s first Individual Cyber Insurance Policy 2019: Bajaj Allianz General Insurance Company recorded 10,000 Crore + of Gross Written Premium 2020: The company issued 27.7 lakh Insurance Policies and settled 11.4 Claims during CoVID19 Lockdown

Bajaj Allianz General Insurance Company Ltd: An Overview

Features Value
Year Founded 2001
Founder Joint Venture between Bajaj Finserv Limited and Allianz SE
Headquarters Pune, Maharashtra, India
Offices in India Offices in 1000 cities in India
Authorized Capital - FY23 Rs125 Crores
Paid Up Capital - FY23 Rs110.2 Crores
Awards Won (2022 - 2023) 1. Best Digital Insurer in Asia - IDC Financial Insights Innovation Awards 2021 2. Domestic General Insurer of the year - India - Insurance Asia Awards 2019
Gross Written Premium - FY23 Rs15,487 crore
Incurred Claim Ratio - FY23 72.92%
Network Hospitals 18,400
Network Garages 7,200
Market Position in India Among the top private general insurance companies in India

Salient Features of Bajaj Allianz General Insurance Company Ltd

  1. Wide range of Insurance Products: Bajaj Allianz General Insurance Company offers a comprehensive portfolio of general insurance products, including Motor Insurance, Health Insurance, Travel Insurance, Home Insurance, and Commercial Insurance, catering to the diverse needs of individuals and businesses.
  2. Strong distribution network: With offices in over 1100 towns and cities across India, Bajaj Allianz has a robust distribution network that ensures easy accessibility for customers. The company also partners with various financial institutions to expand its reach.
  3. Cashless facilities: Bajaj Allianz has a wide network of over 18,400 cashless hospitals and 7,200 cashless garages across India, providing Policyholders with hassle-free claim settlement and reducing their financial burden at the time of hospitalization or vehicle repair.
  4. Digital capabilities: The company has invested heavily in digital infrastructure, offering customers a range of online services, including policy purchase, renewal, and claim settlement. The “Insurance Wallet” mobile app provides policyholders with a convenient way to manage their insurance policies on the go.
  5. Customer-centric approach: Bajaj Allianz focuses on providing customer-centric solutions and has introduced various initiatives to enhance customer experience, such as 24/7 customer support, fast claim settlement, and transparent communication.
  6. Innovative products: The company has been at the forefront of product innovation in the Insurance Industry, introducing unique offerings such as “Cyber Safe” insurance, “Motor On-the-Spot” service, and “SMS Insurance.”

Insurance Policies Offered by Bajaj Allianz General Insurance Company Ltd

Bajaj Allianz Business Insurance Plans

Bajaj Allianz General Insurance Company offers various Insurance Policies for Large Corporates, MSMEs and Startups including Marine Insurance Policy, Fire Insurance Policy, Commercial General Liability Insurance Policy, Group Health Insurance Policy, Workmen’s Compensation Insurance, Professional Indemnity Insurance Policy, Cyber Insurance Policy etc. This article explores different types of Business Insurances offered by Bajaj Allianz General Insurance Company.

Employee Benefit Insurance offered by Bajaj Allianz General Insurance Company Ltd

Bajaj Allianz Group Health Insurance Policy

Bajaj Allianz General Insurance Company Limited offers a Group Health Insurance Policy designed to provide comprehensive Health Insurance Coverage to employees of organisations. The Policy also provides coverage for Pre And Post-Hospitalisation Expenses, Daycare Procedures and much more.

Key Features of the Bajaj Allianz Group Health Insurance Policy

  1. Bajaj Allianz Group Health Insurance Policy covers Hospitalisation Expenses, Pre- And Post-Hospitalization Costs, Daycare Procedures, and more. It also offers coverage for critical illnesses, maternity expenses, and new-born baby coverage.
  2. Provides Cover for Pre-Existing Diseases from Day 1
  3. Employees can avail cashless claim settlement at any of the 18,400+ network hospitals across India, ensuring a hassle-free experience during medical emergencies.
  4. Provides Maternity Coverage without any Waiting Period
  5. Various Sum Insured Options available under the Policy
Bajaj Allianz Group Personal Accident Insurance Policy

Bajaj Allianz Group Personal Accident Insurance Policy provides coverage for employees against Accidental Disability or Accidental Death resulting from an accident. The Policy provides coverage for Accidental Death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), and Temporary Total Disability (TTD), with a high sum assured ranging from Rs. 10 lakh to Rs. 25 lakhs

Key Features of Bajaj Allianz Group Personal Accident Insurance Policy

  1. Accidental Death Coverage: Bajaj Allianz GPA Insurance Policy pays 100% of the Sum Insured in case of Accidental Death
  2. The Policy pays a lumpsum amount to the Insured depending on type of Disability as per Policy Terms and Conditions.
  3. Hospital confinement allowance of Rs. 1,000 to Rs. 2,500 per day for up to 30 days
  4. Children’s Education Benefit of Rs5,000 per child (up to 2 children) in case of Death or Permanent Total Disability of the policyholder
  5. The Policy also provides cover for Accidental Medical Expenses because of Accidental Bodily Injury suffered by the Insured
Bajaj Allianz Workmen’s Compensation Insurance Policy

Bajaj Allianz Workmen Compensation Insurance Policy protects employers from the Legal Liability to provide compensation to employees in case of Accidental Death or Disability suffered by employees in the course of their employment. The Policy provides compensation as per the Workmen’s Compensation Act 1923.

Key Features of the Bajaj Allianz Workmen’s Compensation Insurance Policy

  1. Bajaj Allianz Workmen’s Compensation Insurance Policy covers Accidental Death, Permanent (Total and Partial) Disablement and Temporary Disablement of employees in the course of their employment
  2. Add-ons like Medical Expenses, Compressed Air Disease Cover, Occupational Disease Cover and Sub-Contractor Coverage etc. can be chosen to enhance coverage
  3. Online purchase facility available with instant policy issuance.

Fire Insurance Policies Offered by Bajaj Allianz General Insurance Company Limited

Bajaj Allianz Standard Fire and Special Perils Insurance Policy

Bajaj Allianz Standard Fire and Special Perils Policy is a comprehensive Fire Insurance Policy which protects the Insured Property against Loss or Damage caused by Fire and allied Perils such as Lightning, Explosion/Implosion, Aircraft Damage, Riot, Strike, Malicious Damage, Natural Calamities such as Storms, Floods etc. The Insurance Policy is suitable for Offices, Factories, Industrial/Manufacturing Risks, Hotels, Shops, Hospitals, Educational Institutions, and Other Commercial Establishments.

Key Features of Bajaj Allianz Standard Fire and Special Perils Insurance Policy

  1. Bajaj Allianz Standard Fire and Special Perils Insurance Policy offers a wide range of coverage perils such as Fire, Lightning, Explosion/Implosion, Aircraft Damage, Riot, Strike, Malicious Damage, Storm, Cyclone, Typhoon, Tempest, Hurricane etc
  2. The policy also provides optional add-on covers such as Architects, Surveyors and Consulting Engineers Fees, Removal of Debris, Deterioration Of Stocks In Cold Storage Due To Power Failure etc
  3. The Sum Insured under the Policy can be declared on Reinstatement Value Basis or Market Value Basis.
  4. Premium calculated based on factors such as Nature of Industry, Property Type, Location, Sum Insured, and chosen add-on covers
Bajaj Allianz Bharat Sookshma Udyam Suraksha Policy

Bajaj Allianz Bharat Sookshma Udyam Suraksha Policy provides comprehensive insurance coverage against Loss or Damage to the Insured Property due to Fire and allied Perils. The Policy can be purchased by enterprises enterprises where the Total Value at Risk across all Insurable Asset Classes at one location does not exceed Rs5 crores.

Key Features of the Bajaj Allianz Bharat Sookshma Udyam Suraksha Policy

  1. Provides cover on Reinstatement Value Basis for Building, Plant, Machinery and other Fixed Assets etc.
  2. Bajaj Allianz Bharat Sookshma Udyam Suraksha Policy provides Insurance against a wide range of risks, including Fire, Earthquake, Storm Tempest, Flood Inundation (STFI Cover) etc.
  3. Has in-built covers like Debris Removal, Architect Fees, etc.
  4. Option to customize with add-ons like Terrorism, Loss of Rent etc.
Bajaj Allianz Bharat Laghu Udyam Suraksha Policy

Bajaj Allianz Bharat Laghu Udyam Suraksha Policy comprehensive coverage against loss or damage to the Insured Property due to Fire and allied Perils where the Total Value at Risk across all insurable asset classes at one location exceeds Rs5 Crore but does not exceed Rs50 Crore.

Key Features of the Bajaj Allianz Bharat Laghu Udyam Suraksha Policy:

  1. Bajaj Allianz Bharat Laghu Udyam Suraksha Policy provides Insurance against Fire, Explosion, Lightning, Earthquake, Flood, Storm and other Perils.
  2. Option to customize coverage with add-ons like Terrorism, Loss of Rent etc.
  3. Availability of Floater cover and Declaration Policy for greater flexibility.
  4. Bajaj Allianz Bharat Laghu Udyam Suraksha Insurance Policy provides Waiver of Underinsurance of upto 15%
Bajaj Allianz Bharat Griha Raksha Policy

Bajaj Allianz Bharat Griha Raksha policy protects Residential Housing Societies and Homes against Loss or Damage due to Fire and Allied Perils such as Explosion, Lightning, Earthquake, Flood, Storm etc. The Policy offers two main types of coverage: Home Structure Cover: This covers Physical Loss, Damage, or Destruction of Home Building due to Insured Perils such as Fire, Explosion, Earthquake, Storm, Flood, Landslide etc. Home Contents Cover: This Covers the Physical Loss, Damage, or Destruction of the general contents of your home caused by Insured Perils

Key Features of the Bajaj Allianz Bharat Griha Raksha Policy

  1. Covers Building Structure and Contents like furniture, electronics, valuables etc. of housing societies.
  2. Provides cover on Reinstatement Value Basis
  3. Underinsurance does not apply to the Bajaj Allianz Bharat Griha Raksha Policy.
  4. Option to customise coverage with various add-on Covers such as Removal of Debris, Arhitect’s and Engineer’s Fees

Liability Insurance Policies offered by Bajaj Allianz General Insurance Company Ltd

Bajaj Allianz Corporate Cyber Insurance Policy

Bajaj Allianz Corporate Cyber Insurance Policy offers coverage for financial losses and liability arising out of a Breach of the Insured’s Company Network Systems. A Cyber Insurance Policy is critical in today’s times given that organisations face ever-increasing threat of Cyberattacks and Data Breach Incidents.

Key Features and Coverages of Bajaj Allianz Corporate Cyber Insurance Policy Bajaj Allianz Corporate Cyber Insurance Policy provides following Coverages:

  1. Bajaj Allianz Cyber Insurance Policy pays for Business Interruption Losses as well as Restoration Costs incurred by the Insured Company as a result of an Insured Event.
  2. Policy provides coverage for Cyber Extortion
  3. Bajaj Allianz Cyber Insurance Policy also provides cover for IT Theft Loss suffered by the Insured as a consequence of IT Theft first Discovered during the Period of Insurance
  4. Public Relations Expenses are covered to reduce the effects of negative publicity arising from an Insured event
  5. The Policy pays for the cost of Forensic Experts to investigate the source of the Loss and to determine the amount of Loss
  6. Bajaj Allianz Cyber Insurance Policy also provides cover for Defence Costs and Compensatory Damages that the Insured becomes legally liable to pay on account of a Data Breach or a Privacy breach suffered by the Insured’s Client.
  7. The Policy provides coverage for Media Liability Claims and Regulatory Costs and Fines.
Bajaj Allianz Directors and Officers Liability Insurance Policy

Bajaj Allianz Directors and Officers Liability Insurance Policy offers protection against claims of Wrongful Acts committed by Directors and Officers of the Company in their managerial capacity. A Wrongful Act is defined as any actual or alleged Act, Error, Omission, Breach of Duty, Breach of Trust, Breach of Warranty of Authority, Misstatement or Misleading Statement.

Key Features of the Bajaj Allianz Directors and Officers Liability Insurance Policy

  1. Bajaj Allianz D&O Liability Insurance Policy offers coverage for Defence Costs and Compensatory Damages that the Directors and Officers become legally liable to pay for Claims of Wrongful Acts.
  2. The Policy provides cover for Non-Executive Directors, Retired Directors and Outside Directorship
  3. Policy is issued on a Right to Defend Form and as a Claims Made Policy
  4. Worldwide Territory and Jurisdiction Coverage
  5. Bajaj Allianz D&O Liability Insurance Policy provides cover for Securities Claims and Employment Practices Liability Claims
Bajaj Allianz Commercial General Liability Insurance Policy

Bajaj Allianz Commercial General Liability Insurance Policy protects businesses from Legal Liabilities arising from Claims of Bodily Injury or Property Damage caused by the Insured’s Business Operations, Products or Injuries that occur within the Insured’s Business Premises.

Key Features of the Bajaj Allianz Commercial General Liability Insurance Policy

  1. Bajaj Allianz CGL Insurance Policy provides cover Worldwide Territory and Jurisdiction Coverage
  2. Policy includes Coverage for “Personal and Advertising Injury” which involves claims alleging Libel, Slander, Defamation, Copyright Infringement, and similar offenses
  3. The Policy is beneficial for a variety of industries, such as manufacturing, processing, medical devices, pharmaceuticals, engineering etc.
  4. Bajaj Allianz CGL Insurance Policy can be issued on a Claims Made Form as well as Occurrence Based Form
Bajaj Allianz Product Liability Insurance Policy

Bajaj Allianz Product Liability Insurance Policy provides coverage against the legal liability of the Insured to provide compensation for Bodily Injury or Property Damage caused by products manufactured, sold or distributed by the Insured Business. The Policy covers the Defence Costs and Compensatory Damages arising out of such Claims.

Key Features of Bajaj Allianz Product Liability Insurance Policy

  1. Bajaj Allianz Product Liability Insurance Policy provides coverage to Product manufacturers, distributors and sellers.
  2. The Policy provides coverage for claims resulting from all incidents that occur after the Retroactive Date.
  3. Bajaj Allianz Product Liability Insurance Policy can be extended to provide Limited Vendor’s Liability coverage as an add-on. This covers liabilities arising from the sale or distribution of the insured’s products by vendors.
  4. Policy also has an option to enhance coverage by including Product Recall Coverage
  5. Bajaj Allianz Product Liability Insurance Policy covers Claims arising from Manufacturing Defects, Design Defects, and Failure to Warn.
Bajaj Allianz Professional Indemnity Insurance Policy

Bajaj Allianz Professional Indemnity Insurance Policy provides coverage for Wrongful Acts resulting in financial losses suffered by a Third Party resulting from failure of the Insured’s product to perform the function or to serve the purpose intended or failure to provide service in accordance with terms and conditions of a contract. Networking and Information Technology Companies, Technology Consultants, and Telecommunications firms ideally should purchase a Professional Indemnity Insurance Policy.

Key Features of the Bajaj Allianz Professional Indemnity Insurance Policy

  1. Bajaj Allianz Professional Indemnity Insurance Policy covers financial losses suffered by a Third Party resulting from failure of the Insured’s product to perform the function or to serve the purpose intended or failure to provide service in accordance with terms and conditions of a contract.
  2. The Policy covers Legal Defence Costs and Compensatory Damages
  3. Policy provides add-on covers for Mitigation Costs, Outstanding Fees, PR Expenses incurred by the Insured.
Bajaj Allianz Public Offering of Securities Insurance Policy

Bajaj Allianz Public Offering of Securities Insurance Policy protects a Company and its Directors against liabilities arising from offering the company’s securities for sale and listing on a public stock exchange.

Key Features of the Bajaj Allianz Public Offering of Securities Insurance Policy

  1. The Policy covers financial losses arising from errors, mistakes or omissions in the offering documents like prospectus, registration statement etc. filed for the securities offering.
  2. Bajaj Allianz POSI Insurance Policy is a transaction specific product which protects the existing D&O Policy Limits
  3. Other parties like underwriters, accountants, solicitors involved in the offering can be included as Additional Insureds.
  4. Policy is usually issued on a Claims Made Basis.

Marine Insurance Polies Offered by Bajaj Allianz General Insurance Company

Bajaj Allianz Specific Marine Insurance Policy

Bajaj Allianz offers a Specific Marine Insurance Policy to protect goods whilst in transit by land, sea, or air. The Policy insures a single transit for any loss or damage to cargo whilst in transit. The cargo owner must purchase a separate Insurance Policy for each and every transit. The policy provides coverage from the time the goods leave the factory or warehouse until they reach their final destination.

Key Features of Bajaj Allianz Specific Marine Insurance Policy

  1. Bajaj Allianz Specific Marine Policy insures a single Transit.
  2. Policy provides protection against loss or damage to goods/assets whist in transit
  3. Policy Coverage can be extended with add-on covers like Warr, SRCC etc.
Bajaj Allianz Marine Open Policy

Bajaj Allianz Marine Open Policy is issued to big companies with frequent cargo dispatches. A Marine Open Policy covers all shipments by the Insured on an annual basis thus eliminating the need to insure each transit separately. This reduces the administrative hassle of issuing a separate Insurance Policy for each transit. The Insured just needs to make a monthly declaration of all the transits that took place in the previous month.

Key Features of Bajaj Allianz Marine Open Policy

  1. Marine Open Policy is an Annual Policy which covers all shipments throughout the year; There is no need to issue a separate policy for each and every transit
  2. A Single Policy insures a single leg of transit, i.e. Exports, Imports, Domestic Sales, Purchases etc
  3. Insured has to make periodic declaration of transits taking place to the Insurance Company
  4. Covers loss due to Fire, Collision, Theft, etc.
  5. Certificates are issued under the Marine Open Policy for Individual Transits
  6. The Sum Insured under the Marine Open Policy can be enhanced during the duration of the Policy
Bajaj Allianz Marine Sales Turnover Policy (STOP Insurance Policy)

Bajaj Allianz Marine Sales Turnover Policy covers all the transits, that is Export Sales, Domestic Sales, Imports, Local Purchases, Inter-Factory Movements, Job Worker Movements, Capital Equipment and Container Movements under a Single Policy. The Insured just needs to declare the Sales Turnover of the Company on a periodic basis rather than making a declaration of all transits taking place as done in a Marine Open Policy. Another important point is that all legs of transit get covered under a Single Policy.

Key Features of Bajaj Allianz Marine Sales Turnover Insurance Policy

  1. Sum Insured under the Sales Turnover Policy is determined on the Insured’s estimated sales for the current year.
  2. Covers perils like Fire, Collision, Theft, Damage during transit
  3. Add-ons available for Wars, Strikes, Riots etc.
  4. No need for individual declarations per shipment
  5. All Risk or Basic Risk coverage as per Institute Cargo Clauses

Engineering Insurance Policies Offered by Bajaj Allianz General Insurance Company

Bajaj Allianz Contractors All Risk Insurance Policy

Bajaj Allianz Contractors All Risk Insurance Policy provides comprehensive coverage for damage caused to civil projects by accidents during the construction phase. The Policy provides coverage for Perils such as Fire, Lightning, Riots, Strikes, Theft, Burglary etc.

Key Features of Bajaj Allianz Contractors All Risks Insurance Policy Bajaj Allianz CAR Insurance Policy provides coverage under 2 sections

  1. Material Damage Section: The Material Damage Section of the Contractors All Risk Insurance Policy covers Physical Damage to the Property under construction, protecting against Perils such as Fire, Lightning, Theft, and Burglary.
  2. Third-Party Liability Section: The Third-Party Liability Section provides coverage for the legal liability of the contractor for Bodily Injury or Property Damage caused to Third Parties because of work conducted on the site.
  3. The Policy commences from the arrival of the first consignment at site and ends on successful commissioning of the project or expiry of the Policy Period, whichever is earlier
  4. The Policy can be extended to include the interest of Principal, Contractors and Subcontractors.
  5. Bajaj Allianz Contractor All Risk Insurance Policy helps contractors and project owners manage the financial risks associated with construction projects.
  6. This Policy is suitable for a wide range of construction projects like buildings, roads, bridges, power plants etc
Bajaj Allianz Erection All Risk Insurance Policy

Bajaj Allianz Erection All Risks Insurance Policy provides Insurance coverage to Contractors involved in Erection of Plant, Machinery, Equipment and Structures. The Policy provides protection against physical loss or damage to the Insured Property during the storage, erection, installation and testing phase of a project.

Key Features of the Bajaj Allianz Erection All Risk Insurance Policy

  1. Material Damage Section: The Material Damage Section of an EAR Insurance Policy provides coverage against the following risks:
    • Location Risks: Fire, Lightning, Theft and Burglary
    • Operation Risks: Insulation Failures, Short Circuit, Explosions etc.
    • Human Risks: Negligence, Carelessness
    • Natural Calamities: Storm, Floods, Earthquakes etc.
  2. Third-Party Liability Section: The Third-Party Liability Section of the ICICI Lombard Erection All Risk Insurance Policy provides coverage for the legal liability of the contractor for bodily injury or property damage caused to third parties because of work conducted on the site.
  3. Coverage commences from the time of unloading of the first consignment at the project site and remains in effect until immediately after the first test operation or test loading, subject to a maximum of 4 weeks from the completion of erection.
  4. The sum insured should represent the completely erected value of the property.
  5. Claims settlement is based on repair cost for partial losses and actual value for total losses.
  6. Surrounding property is covered only if a separate sum is declared.

Bajaj Allianz Surety Bond Insurance Policy

Bajaj Allianz Surety Bond Insurance Policy provides financial protection to the Insured Principal in case of non-performance or defaults by the contractor. This Policy helps in managing the risks associated with construction projects, infrastructure development, and other business contracts.

Key Features of the Bajaj Allianz Surety Bond Insurance Policy

  1. Bajaj Allianz Surety Bonds provide financial protection to the Insured Principal against losses arising from the Contractor’s non-performance or default.
  2. Reduces the capital requirement for the Contractor
  3. Offers a reliable and efficient solution for managing risks associated with construction projects and business contracts, ensuring smooth project execution and financial security for the insured party.
  4. Designed to Insure Project Owners for non-performance and financial exposures in case of contractual default.

Bajaj Allianz Trade Credit Insurance Policy

Bajaj Allianz Trade Credit Insurance Policy protects businesses from the risk of unpaid invoices by their customers. This Policy helps in mitigating the credit risk associated with domestic and international trade transactions, ensuring the financial stability and growth of the Insured Business.

Key Features of the Bajaj Allianz Trade Credit Insurance Policy

  1. Policy provides cover against commercial risks like Non-Payment and Insolvency of the Buyer
  2. Insures up to 85% of credit extended to buyers
  3. Premium based on Annual Credit Sales Turnover and Risk Factors
  4. Exclusions include Trade Disputes, Sales to Government Entities, Advance Payments
  5. Offers protection for both domestic and export trade transactions.

Bajaj Allianz Personal Insurance Plans

Bajaj Allianz General Insurance Company offers various a range of Insurance Policies for Individuals and Families such as Health Insurance, Motor Insurance and Travel Insurance Plans This article explores different types of Personal Insurances offered by Bajaj Allianz General Insurance Company.

Motor Insurance Products offered by Bajaj Allianz General Insurance Company

Bajaj Allianz Commercial Vehicle Insurance Policy

Bajaj Allianz Commercial Vehicle Insurance Policy provides comprehensive protection to Commercial Vehicles against damage to vehicle itself from Perils such as Fire, Accidents, Theft, Calamities etc. as well as liability arising due to Third Party Bodily Injury and Property Damage. This Insurance policy caters to the specific needs of businesses that rely on commercial vehicles for their operations, ensuring their financial security and smooth functioning.

Key Features of the Bajaj Allianz Commercial Vehicle Insurance Policy

  1. Provides Third-Party Liability Coverage, which is mandatory as per the Motor Vehicles Act, protecting the insured against Legal Liabilities arising from accidents caused by the Insured Vehicle.
  2. A Wide Network of 7200 Garages to avail Cashless Claim Settlement
  3. The Own damage Cover which protects the Insured Vehicle against loss or damage due to Accidents, Theft, Fire, Explosion, Self-Ignition, Lightning and other Perils.
  4. No-Claim Bonus (NCB) of upto 50% on Own Damage Premium.
  5. Add-On Covers of Zero Depreciation, IMT-23, Towing Charges available
Bajaj Allianz Motor Insurance Policy

Bajaj Allianz Motor Insurance Policy protects vehicle owners against loss or damage to vehicles because of Accidents, Theft, Fire, Natural Calamities etc. in addition to the mandatory Third-Party Liability. The Car Insurance Policy offers comprehensive coverage against Own Damage as well as Third Party Liability

Key Features of the Bajaj Allianz Motor Insurance Policy

  1. Offers Own Damage Coverage, which protects the Insured Vehicle against Loss or Damage due to Accidents, Theft, Fire, Explosion, Lightning, Riots and Other Perils.
  2. Provides a range of Add-On Covers to enhance Policy Coverage such as Zero Depreciation Cover, Engine Protector Cover and Consumable Expenses Cover.
  3. Cashless Claim Settlement across an extensive network of 7,200+ garages Pan-India
  4. No Claim Bonus of upto 50%
Bajaj Allianz Two-Wheeler Insurance Policy

Bajaj Allianz offers comprehensive two-wheeler Insurance Policies that covers Loss or Damage to the Insured Bike because of Accidents, Natural Calamities, Theft etc. as well as Third-Party Liabilities for Injury, Death or Property Damage.

Key Features of Bajaj Allianz Bike Insurance Policy

  1. Add-ons like Zero Depreciation, Roadside Assistance etc. available
  2. Cashless repairs at 7200+ network garages pan-India
  3. No Claim Bonus of upto 50%

Health Insurance Products offered by Bajaj Allianz General Insurance Company

Bajaj Allianz Health Guard Insurance Policy

Bajaj Allianz Health Guard Insurance Policy is a comprehensive Health Insurance Plan that offers a wide range of benefits to its policyholders. The Policy comes in three different variants - Silver, Gold, and Platinum, catering to various healthcare needs and budgets. The Entry Age for the proposer and other adult family members is 18 to 65 years, while Dependent Children and Grandchildren can be covered from the age of 3 months to 30 years.

Key Features of the Bajaj Allianz Health Guard Insurance Policy

  1. Policy can be issued as an Individual Health Insurance Policy or a Family Floater Health Insurance Policy
  2. Bajaj Allianz Health Guard Insurance Policy offers various Sum Insured options ranging from Rs1.5 Lakhs to Rs1 Crore across three plans
  3. Covers In-Patient Hospitalization, Pre and Post-Hospitalization, Daycare Treatments, Road Ambulance, Organ Donor Expenses, Daily Cash Benefit etc.
  4. No Room Rent Limit for Gold and Platinum Plans
  5. Pre and Post-Hospitalisation Expenses coverage for 30 days - 60 days respectively
  6. Policy offers Restoration Benefit for Related and Unrelated Illnesses once during the Policy Year on complete exhaustion of Sum Insured
  7. Provides maternity coverage under the Gold and Platinum Plan after a Waiting Period of 72 months depending on the Sum Insured chosen
  8. No Claim Bonus of 10% Base Sum Insured up to a maximum of 100% of the Base Sum Insured for Silver and Gold Plans. Platinum Plan offers a No Claim Bonus of 50% Base Sum Insured for the first 2 years and 10% Base Sum Insured for the next 5 years up to a maximum of 150% of the Base Sum Insured. If a Claim is made under the Health Insurance Policy during any Policy Year, the accrued Bonus will be reduced at the same rate at which it has accrued
  9. Waiting Period of 24 months for Specific Diseases
  10. Waiting Period of 36 months for Pre-Existing Diseases
  11. Waiting Period of 72 months for Maternity Coverage
  12. Lifelong renewability of the policy is allowed with no age restriction.
Bajaj Allianz Health Infinity Insurance Policy

The Bajaj Allianz Health Infinity Policy is a comprehensive Health Insurance Plan that provides coverage for Hospitalization Expenses, Daycare Procedures, Pre and Post-Hospitalization Expenses, etc. The major feature of this Policy is that there is no Limit on Sum Insured

Key Features of the Bajaj Allianz Health Infinity Policy

  1. Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
  2. No limit on the Sum Insured. The Insured has to select a Per Day Room Rent Limit under the Plan
  3. Option to choose Sum Insured based on the per day room rent (ranging from Rs. 3,000 to Rs. 50,000)
  4. Comprehensive In-patient Hospitalization Treatment without any sublimit
  5. Pre and Post-Hospitalisation Expenses coverage for 60 days - 90 days respectively
  6. Road Ambulance coverage up to Rs. 5,000 per hospitalization
  7. Coverage for Day Care Procedures
  8. Preventive Health Check-up benefit at the end of every 3 policy years
  9. No pre-policy medical tests required up to age 45 years subject to a clean medical history
  10. Waiting Period of 24 months for Specific Diseases
  11. Waiting Period of 36 months for Pre-Existing Diseases
  12. Free Look Period of 30 Days under the Policy
  13. The Premiums are applicable for Section 80D Deduction under the Income Tax Act, 1961
  14. Lifetime Renewal
Bajaj Allianz Arogya Sanjeevani Insurance Policy

Bajaj Allianz Arogya Sanjeevani Policy is a comprehensive Health Insurance Plan coverage for medical expenses arising from Hospitalization Expenses, Surgery Expenses, Pre and Post-Hospitalisation Expenses, Daycare Procedures etc. The Policy has a minimum entry age of 18 years and maximum entry age of 65 years.

Key Features of the Bajaj Allianz Arogya Sanjeevani Insurance Policy

  1. Bajaj Allianz Arogya Sanjeevani Insurance Policy offers various Sum Insured options from Rs50,000 to Rs25 lakhs.
  2. Policy provides coverage for Hospitalization expenses like room rent, boarding, nursing charges, ICU/ICCU fees, surgeon/anesthetist fees, medicines, diagnostics etc.
  3. Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
  4. Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
  5. Pre and Post-Hospitalisation Expenses coverage for 30 days - 60 days respectively
  6. Sub-Limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy period for Cataract Treatment
  7. No medical check-up required up to the age of 45 years for people with no adverse health conditions.
  8. Modern treatments like Robotic Surgery, Stem Cell Therapy etc. are covered up to 50% of Sum Insured.
  9. Cumulative Bonus of 5% per year for every claim free year, provided that the policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured.
  10. Co-Payment of 5% on each and every claim
  11. Waiting Period of 48 months for Pre-Existing Diseases
  12. Waiting Period of 24 and 48 months for Specific Diseases
  13. Lifelong Renewal
Bajaj Allianz Global Health Care International Health Insurance Policy

Bajaj Allianz Global Health Care Policy is a comprehensive international Health Insurance Plan designed to cater to the medical needs of individuals who frequently travel or work abroad. Bajaj Allianz Global Health Care Policy offers coverage for both planned and emergency medical treatment, within India as well as outside India.

Key Features of the Bajaj Allianz Global Health Care International Health Insurance Policy

  1. Bajaj Allianz Global Health Care Policy has two plan variants: Imperial Plan and Imperial Plus Plan, both covering Domestic and International Medical Expenses
  2. Policy offers a wide range of sum insured options, from Rs. 37.5 lakhs to Rs. 3.75 crores for domestic cover and USD 100,000 to USD 1 million for International Cover
  3. Eligibility for Indian nationals residing in India, with age ranging from 18-65 years for adults and 3 months to 30 years for dependent children
  4. Policy offers coverage for Hospitalisation Expenses
  5. Policy also covers Pre and Post-Hospitalisation Expenses coverage for 60 days - 180 days respectively for Domestic Treatment and 45-90 days for International Treatment, Daycare Procedures and Road and Air Ambulance Charges
  6. Policy also offers Coverage for In-patient treatment for mental illnesses
  7. No Claim Bonus of 20% of Base Sum Insured up to a maximum of 100% of the Base Sum Insured. If a Claim is made under the Health Insurance Policy during any Policy Year, the accrued Bonus will be reduced at the same rate at which it has accrued
  8. Waiting Period of 24 months for Specific Diseases
  9. Waiting Period of 36 months for Pre-Existing Diseases
Bajaj Allianz Allianz Extra Care Plus Super Top Up Health Insurance Policy

Bajaj Allianz Extra Care Plus is a Super Top-Up Health Insurance Policy that provides additional coverage over and above an existing Health Insurance Plan for nominal premiums.

Key Features of the Bajaj Allianz Allianz Extra Care Plus Super Top up Insurance Policy

  1. Bajaj Allianz Extra Care Plus Policy provides coverage for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses above the Deductible Amount
  2. The entry age is from 91 days to 80 years.
  3. Various Sum Insured options available ranging from Rs3 lakhs to Rs50 Lakhs with Deductible options ranging from Rs2 lakh to Rs10 lakhs.
  4. No pre-policy medical tests required up to age 55 years subject to no adverse health conditions.
  5. Pre and Post-Hospitalisation Expenses coverage for 60 days - 90 days respectively
  6. The Policy covers Maternity Expenses above the aggregate Deductible Limit, including Pre-natal & Post-natal check-up and other expenses after a Waiting Period of 12 months.
  7. Waiting Period of 12 months for Specific Diseases
  8. Waiting Period of 12 months for Pre-Existing Diseases
  9. Waiting Period of 12 months for Maternity Coverage
  10. The Premiums are applicable for Section 80D Deduction under the Income Tax Act, 1961
  11. Lifelong renewal
Bajaj Allianz Criticare Insurance Policy

Bajaj Allianz’s Criti Care Insurance Policy provides coverage for a wide range of Critical Illnesses that an individual might encounter in his/her life. The Insurance Policy aims to support the Insured financially if the person gets diagnosed with a critical illness.

Key Features of the Bajaj Allianz CritiCare Insurance Policy

  1. Coverage for a wide range of critical illnesses: The Policy covers a total of 43 illnesses across 5 different plans – Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care and Transplants Care and Sensory Organs Care
  2. The Policy provides coverage for these 5 different variants under 2 Categories: Category A and Category B. 25% Sum Assured is payable for Category A conditions and 100% Sum Assured is payable for Category B conditions for each Variant.
  3. Sum Assured options: Bajaj Allianz Criticare Insurance Policy offers various Sum Insured options ranging from Rs1 lakh to Rs50 lakhs for people upto the age of 60 years. People in the age bracket of 61-65 years can opt for a Maximum Sum Insured of Rs10 lakhs
  4. The Policy provides has option to choose v Sum Assured amounts.
  5. Insured can opt for one or more Critical Illness section. The benefits payable will be independent for each section if more than one sections are chosen
  6. Lumpsum Payout: On diagnosis of a covered critical illness, the Policy pays out a lumpsum amount irrespective of the actual treatment costs incurred.
  7. If the Policy has paid 100% of the Sum Assured under any of the sections opted, then the coverage for the respective section ceases for the Insured Member, however the Policy shall continue for rest of Sections (if opted). Additionally, the premium for subsequent renewal/s would be calculated excluding the section for which claim has been paid.
  8. Multiple Claims allowed: The policy allows two claims within each section - one claim for a Category A illness and another claim for a Category B illness.
Bajaj Allianz Critical Illness Insurance Policy

Bajaj Allianz’s Critical Illness Insurance policy provides comprehensive protection against 12 major critical illnesses. The Policy pays a lumpsum amount to the Policyholder on diagnosis of one of the covered critical illness provided that the Insured survives 30 days after the diagnosis of the disease.

Key Features of the Bajaj Allianz Critical Illness Insurance Policy

  1. Policy has an entry age of 18 years to 65 years for Adults and 6 years to 21 years for dependent children
  2. The Policy has various Sum Insured Options available – Rs1 lakh to Rs50 lakhs for people in the age bracket of 6 years to 60 years and Rs1 lakh to Rs5 lakhs for people in the age bracket of 61 years to 65 years
  3. The Insured can utilize this amount for treatment of the disease, lifestyle changes, donor expenses etc.
  4. Any Critical Illness diagnosed within the first 90 days of the date of commencement of the Policy is excluded.
  5. Policy has a Free Look Period of 30 days
Bajaj Allianz Silver Health Insurance Policy (Senior Citizen Health Insurance Policy)

Bajaj Allianz Silver Health Insurance Plan is a Senior Citizen Health Insurance Policy with an entry age of 46 years to 80 years. The Policy provides cover for Hospitalization Expenses, Day Care Procedures, Pre and Post-Hospitalization Expenses, Ambulance Charges etc.

Key Features of Bajaj Allianz Silver Health Insurance Policy

  1. Entry Age of 46 years to 80 years
  2. The Policy is offered under 2 variants: Plan A and Plan B. Plan A has various Sum Insured optins from Rs50,000 to Rs5 lakhs while Plan B offers Sum Insured Options from Rs3 lakhs to Rs10 lakhs
  3. The Policyholder has an option to opt for a per day Room Rent Limit of 1% of hospitalization Sum Insured up to maximum Rs. 7,500 per day under Plan A and Plan B. If the Insured opts for a Room Rent Capping under the Policy, he is entitled to receive a discount on the Premium.
  4. Pre and Post-Hospitalisation Expenses coverage for 30 days - 60 days respectively. Plan A has a Sub-Limit of 3% for Pre and Post-Hospitalisation Expenses while Plan B has no such Sub-Limit
  5. Policy has a Sub-Limit of 50% of Sum Insured for Pre-Existing Diseases from 2nd year onwards under Plan A while Plan B has no such Sub-Limit
  6. Policy has a Sub-Limit of Rs40,000 or 10% of Sum Insured (whichever is lower) for Cataract Claims
  7. Plan A has a 20% Co-Payment for if treatment is availed at a Non-Network hospital. This Co-Payment can be waived off by paying extra premium. Plan B has a 10% Co-Payment for each and every admissible Claim.
  8. Cumulative Bonus of 10% of Base Sum Insured up to a maximum of 100% of the Base Sum Insured. If a Claim is made under the Health Insurance Policy during any Policy Year, the accrued Bonus will be reduced at the same rate at which it has accrued
  9. Pre-Policy Medical Check-Up is mandatory for every proposal
  10. Pre-existing illness cover after 1 year of policy issuance
  11. Cumulative bonus of 10% for every claim-free year, up to a maximum of 50%
  12. Waiting Period of 12 months for Specific Diseases
  13. Waiting Period of 12 months for Pre-Existing Diseases
  14. Lifetime Renewal under the Policy

Travel Insurance Products offered by Bajaj Allianz General Insurance Company

Bajaj Allianz International Travel Insurance Policy

Bajaj Allianz offers a comprehensive International Travel Insurance Policy which provides coverage Medical Expenses, Trip Cancellation due to specified reasons, Lost or Delayed Baggage, Passport Loss, Personal Liability, Hijack Cover etc. The Insurance Policy can be purchased by Individuals as well as families.

Key Features of the Bajaj Allianz International Travel Insurance Policy

  1. Sum Insured from USD50,000 to USD500,000
  2. Provides Coverage for Loss/Delay of Checked in Baggage, Loss of Passport etc.
  3. Provides Cover for Trip Cancellation, Trip Delay etc.
  4. Cover available for Loss of Laptop and other Portable Equipments
  5. Coverage available upto 180 days
Bajaj Allianz Student Travel Insurance Policy

Bajaj Allianz offers Student Travel Insurance Plans designed specifically for students pursuing higher education abroad. These plans provide comprehensive coverage for Study Interruption, Sponsorship Protection, Bail Bond, Compassionate Visit by Parents, University Insolvency etc.

Key Features of Bajaj Allianz Student Travel Insurance Policy

  1. Policy provides reimbursement for tuition fee paid in advance for the current semester if the Insured discontinues school due to medical conditions requiring hospitalisation or due to serious injury/death of either parent
  2. In case the Sponsor meets with an Accident, resulting in death or permanent disability during the Policy Period, the Policy will reimburse the remaining school fee subject to the maximum limit mentioned
  3. If the Insured is arrested for inadvertently breaking the law during overseas Travel, the Policy will pay the Bail Amount for release.
  4. Policy provides coverage for Medical expenses of the Insured
Bajaj Allianz Corporate Travel Insurance Policy

Bajaj Allianz’s Corporate Travel Insurance is a comprehensive Travel Insurance Policy designed specifically for corporate executives who frequently travel internationally for business purposes.

Key Features of Bajaj Allianz Corporate Travel Insurance Policy

  1. Sum Insured of USD250,000 and USD500,000
  2. Provides coverage for Medical Expenses, Evacuation and Repatriation
  3. Provides coverage for Loss of Passport and Delay of Baggage
  4. 24/7 global assistance for emergencies and claims

How to Purchase Bajaj Allianz General Insurance Policy?

Here are the steps to purchase a Bajaj Allianz General Insurance Policy:

Online Process to purchase a Bajaj Allianz General Insurance Policy

  1. Go to Bajaj Allianz General Insurance Website, select the relevant Insurance Policy such as Motor Insurance, Health Insurance etc.
  2. Click on the “Get a Quote” button to start the Online Purchase Process.
  3. Fill in the online form providing your basic details, nominee information, preferences for add-on covers etc.
  4. The Insurance Premium will be calculated and displayed. Review the premium and coverage details.
  5. Make the premium payment online using Net Banking, UPI, Debit/Credit Card, Wallet etc.
  6. The Policy Document will be emailed to your registered email id immediately.

Offline Process to purchase a Bajaj Allianz General Insurance Policy

If you prefer to purchase a Policy offline, go to the nearest company branch or the Insurance Broker, where their experts will guide you through the entire process. An Insurance Broker will assist you with quote comparisons, negotiations and claims as well.

How to File a Claim with the Bajaj Allianz General Insurance Company?

The steps to file an Insurance Claim with Bajaj Allianz General Insurance Company Limited are listed below:

Intimate Claim You need to intimate Bajaj Allianz about the claim by either:

  1. Go to the Bajaj Allianz General Insurance Website, Click on Claims, select the relevant Insurance Policy and register a claim by providing details like Insured Information, date of incident etc.
  2. The Insurance Company will provide a Claim Intimation number upon successful registration of the Claim

What is the Health Insurance Claim Settlement Process with Bajaj Allianz General Insurance Company?

Bajaj Allianz General Health Insurance Claim Settlement Process – Cashless Claim Settlement

To avail Cashless Claim Settlement under the Bajaj Allianz General Health Insurance Policy, the Policyholder must follow the steps listed below:

  1. Locate the nearest network hospital covered by the Bajaj Allianz General Health Insurance Policy to avail treatment
  2. Inform the Insurance Company about the hospitalization before 3-4 days in case of a planned hospitalization and within 4-5 hours in case of an emergency
  3. Show the Health Card issued by the Insurance Company to the Insurance desk at the hospital
  4. Fill the Pre-Authorization Claim Form provided by the hospital
  5. The Hospital sends the Pre-Authorization Claim Form to Bajaj Allianz General Insurance Company for Claim Settlement
  6. The Insurance Company will inspect the details and inform the Insured about the approval or rejection of the Claim
  7. Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by Bajaj Allianz General Insurance Company. The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.

Bajaj Allianz Health Insurance Claim Settlement Process – Reimbursement Claim Settlement

If the Policyholder chooses a non-network hospital, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement is listed below:

  1. Inform Bajaj Allianz General Insurance Company within 24 hours of admission to the hospital. The Company will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
  2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices.
  3. Submit the required documents to Bajaj Allianz Insurance Company
  4. The Insurance Company will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
  5. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?

The Insured needs to submit the following documents to Bajaj Allianz General Insurance Company to avail Reimbursement Claim Settlement under the Policy:

  1. ID Proof, Policy Health Card and Address Proof
  2. Duly Filled and Signed Claim Form
  3. Pathology Reports
  4. Medicine Prescriptions and Pharmacy Bills
  5. Pre and Post-Hospitalisation Bills
  6. Hospital Bills
  7. Discharge Summary

What is the Motor Insurance Claim Settlement Process with Bajaj Allianz General Insurance Company?

Bajaj Allianz General Motor Insurance Claim Process– Cashless Claim Settlement

In order to avail Cashless Claim Settlement under the Bajaj Allianz General Motor Insurance Policy, the Policyholder must follow the steps listed below:

  1. Locate the nearest network garage covered by the Bajaj Allianz Motor Insurance Policy on www.bajajallianz.com and bring the damaged car/bike to the same for repairs
  2. Inform Bajaj Allianz General Insurance Company about the accident and damage to the vehicle by providing the necessary details such as Policy Number, Date, Time and Description of Accident
  3. The Insurance Company will send a surveyor to the Garage to inspect the extent of damage post which the approval to begin repairs is given.
  4. Once the approval is received, the Garage can commence repairs.
  5. The Insured needs to fill the claim form and provide the related documents as mentioned in the form.
  6. Once the vehicle is ready, the Insured needs to pay his share of the Claim consisting of Deductible, Depreciation etc .to the garage and drive off. The balance would be settled by Bajaj Allianz General Insurance Company directly with the network garage

Bajaj Allianz Motor Insurance Claim Process– Reimbursement Claim Settlement

If the Policyholder chooses a non-network Garage, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement for Motor Insurance is listed below:

  1. Inform Bajaj Allianz General Insurance Company of the Accident on the Mobile App or Website
  2. The Company will send a surveyor to assess the extent of damage
  3. The Insured needs to submit the Duly Filled and Signed Claim Form along with the necessary documents as mentioned in the form
  4. The Insurance Claim is processed on receipt of documents and the Claim Amount will be credited to the bank account of the Policyholder

Purchase Bajaj Allianz General Insurance Company Policies with Qian!

Qian is a licensed Insurance Broker with Bajaj Allianz General Insurance Company. We can assist you with all Insurance Policies as well as Claim Settlement Process with Bajaj Allianz General Insurance Company. Get a Quote for Bajaj Allianz General Insurance Company’s Insurance Policy with Qian email us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you

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Hemik of Qian is knowledgable, prompt and very professional - highly recommended. I had to claim for a critical illness under my health insurance policy and Qian’s assistance with the claims process and advice on how to deal with the insurer was invaluable.

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