Bajaj Allianz Health Insurance Plans – Features, Plans, Claims Process, Buy, Renew Policy, Quotes

Bajaj Allianz Health Insurance

Bajaj Allianz General Insurance Company is one of India’s leading health insurers offering a wide range of Health Insurance plans and a vast hospital network. Bajaj Allianz Health Insurance Plans are a solid choice for both families and individuals seeking flexibility, broad coverage, and reliable claim support. The Insurer’s comprehensive Health Insurance Plans like Health Guard offer significant value for customers looking to future-proof their health protection. Bajaj Allianz General Insurance Company reported an Incurred Claim Ratio of 88.87% as of March 2024 according to IRDAI Handbook of Insurance Statistics 2023-24

What are the Key Features of Bajaj Allianz Health Insurance Plans?

The Key Features of Bajaj Allianz Health Insurance Plans are as follows:

1. Comprehensive Coverage: Bajaj Health Insurance Plans provide comprehensive coverage for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses, Daycare Procedures, organ donor expenses, AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) etc. Some plans also provide coverage for Organ Donor Expenses, Bariatric Surgery, Road Ambulance, Daily Cash, Maternity Benefits etc.
2. Sum Insured Flexibility: Plans start from as low as Rs5 lakhs and can go up to unlimited Sum Insured in premium Health Insurance Plans such as Health Infinity.
3. Cashless Hospitalization: Bajaj Allianz has a vast network of 18,400+ network hospitals across India facilitating cashless claim settlement for policyholders.
4. Wide Range of Plans: Bajaj Allianz offers a wide range of plans across Individual Policies, Family Floater Policies, Senior Citizen Plans, critical illness Plans, Super top-up Policies, and dedicated disease-specific policies like diabetes or Cancer to cater to different requirements of customers.
5. No-Claim Bonus: Some Bajaj Allianz Health Insurance Plans a No-Claim Bonus of up to 150% for claim-free years.
6. Pre & Post Hospitalization: Bajaj Allianz Plans provide coverage for Pre and Post-Hospitalisation expenses upto 60 days and 90 days respectively.
7. OPD & Consumables Cover: Some Plans offer outpatient department cover, teleconsultations, Domiciliary Hospitalisation etc.

How to Buy Bajaj Allianz Health Insurance Policy?

The steps to buy a Bajaj Allianz Health Insurance Policy with Qian are as follows:

1. Go to Qian Insurance Broking website <www.qian.co.in> and click on the Health Insurance icon
2. Fill the ‘Get a Free Quote Form’ by submitting your Name, Email ID and Mobile Number
3. An Expert Health Insurance Executive would reach out to you within 15 mins and take the relevant details like the People to be Insured and their Date of Births, Details of Pre-Existing Diseases, Sum Insured and Policy Features required and Premium Budget.
4. The executive will suggest multiple plans from Bajaj Allianz based on your requirements and budget.
5. Finalise the Plan and submit necessary documents such as ID proof, Address Proof etc.
6. Pay the premium using net banking, UPI, credit/debit card or wallet.
7. The policy will be emailed to your registered email ID.

How to Renew Bajaj Allianz Health Insurance Policy?

The Process to renew Bajaj Allianz Health Insurance Policy with Qian is as follows:

1. Contact Qian Insurance Broking or visit the nearest branch office of the Company.
2. Provide relevant details along with the details of the Policy
3. The Qian Insurance Team will assist you with renewal quotes and to submit relevant documents.
4. Pay the premium via cash, cheque or demand draft.
5. The Policy will be mailed to your address within 2 days

What are different Health Insurance Plans of Bajaj Allianz General Insurance Company?

Bajaj Allianz General Insurance Company offers various health insurance plans depending on the requirement of the Insured. Some Health Insurance Plans and their key features are listed below:

Bajaj Allianz Health Guard Insurance Policy – Platinum Plan

Bajaj Allianz Health Guard Insurance Policy is a comprehensive Health Insurance Plan that provides coverage for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses, Daycare Procedures and Modern Treatment Methods. The Policy offers high Sum Insured Options ranging from Rs5 lakhs to Rs1 Crore. 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. Bajaj Allianz Health Guard Insurance Policy – Platinum Plan offers various Sum Insured options ranging from Rs5 Lakhs to Rs1 Crore across three plans
2. Policyholders with a Sum Insured below 7.5 lakhs are eligible for a Single Private AC Room while there is No Room Rent Limit for Sum Insured above Rs7.5 Lakhs.
3. Pre and Post-Hospitalisation Expenses are covered for 60 days - 90 days respectively
4. Policy offers Restoration Benefit once for Related and Unrelated Illnesses once during the Policy Year on complete exhaustion of Sum Insured
5. Bajaj Health Guard Health Insurance Plan offers cover for Bariatric Surgery upto 50% of Policy Sum Insured subject to am maximum of Rs5 lakhs after a Waiting Period of 36 months.
6. The Policy provides Coverage for Maternity Expenses upto Rs15,000/Rs25,000 for Normal/Caesarean Delivery for Policy Sum Insured upto Rs7.5 lakhs and upto Rs25,000/Rs35,000 for Normal/Caesarean Delivery for Policy Sum Insured above Rs7.5 lakhs. Maternity Coverage is subject to a Waiting Period of 72 months.
7. The Policy offers a Super Cumulative 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 Policy, the accrued Bonus is 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
10. Waiting Period of 72 months for Maternity Coverage
11. Waiting Period of 36 months for Bariatric Surgery
12. Lifelong Renewal

Bajaj Allianz Health Infinity Insurance Policy

The Bajaj Allianz Health Infinity Policy is a comprehensive Health Insurance Policy 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, the Insured has to just choose a Per Day Room Rent, which is the maximum amount payable per day under the Policy.

Key Features of the Bajaj Allianz Health Infinity Policy

1. The Policy covers Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses coverage for 60 days - 90 days respectively and Daycare Procedures
2. The Policy has no limit on the Sum Insured. The Insured has to select a Per Day Room Rent ranging from Rs3,000 to Rs50,000 Limit under the Plan.
3. The Policy has a Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
4. The Policy provides coverage for a Preventive Health Check-Up at the end of every 3 policy years upto a maximum of Rs5,000
5. Waiting Period of 24 months for Specific Diseases
6. Waiting Period of 36 months for Pre-Existing Diseases
7. Lifetime Renewal

Bajaj Allianz Arogya Sanjeevani Insurance Policy

Bajaj Allianz Arogya Sanjeevani Policy is a Standard Health Insurance Plan providing 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. The Policy provides coverage for Hospitalization Expenses, Pre and Post-Hospitalisation Expenses coverage for 30 days - 60 days respectively, Daycare Procedures, Modern Treatment Methods etc.
3. The Policy has a Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5,000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
4. Bajaj Allianz Arogya Sanjeevani Policy has a Sub-Limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per eye in one Policy Period for Cataract Treatment
5. Modern Treatments like Robotic Surgery, Stem Cell Therapy etc. are covered up to 50% of Policy Sum Insured.
6. 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.
7. Co-Payment of 5% on each and every claim
8. Waiting Period of 48 months for Pre-Existing Diseases
9. Waiting Period of 24 and 48 months for Specific Diseases
10. 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. Indian nationals residing in India, with age ranging from 18-65 years for adults and 3 months to 30 years for dependent children are eligible for the Policy
4. Policy offers coverage for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses coverage for 60 days - 180 days respectively for Domestic Treatment and 45-90 days for International Treatment, Daycare Procedures, Modern Treatment Methods and AYUSH Treatment Expenses. The Policy also offers Coverage for In-patient treatment for mental illnesses.
5. The International Treatment Cover under the Imperial Treatment Plan provides coverage for Outpatient Treatment upto specified Sub-Limits and a Physiotherapy Benefit for upto 12 Sessions per Condition for Muskulo- skeletal /Neurological diseases / Injuries or other Systemic diseases
6. The Policy provides a No Claim Bonus of 20% of Base Sum Insured up to a maximum of 100% of the Base Sum Insured for the Domestic Cover only. If a Claim is made under the Health Insurance Policy during any Policy Year, the accrued Bonus is reduced at the same rate at which it has accrued
7. Waiting Period of 24 months for Specific Diseases
8. Waiting Period of 36 months for Pre-Existing Diseases
9. Lifetime Renewal

Bajaj Allianz Extra Care Plus Super Top Up Health Insurance Policy

Bajaj Allianz Extra Care Plus is a Super Top-Up Health Insurance Policy which provides additional health Insurance coverage over and above a basic Health Insurance Plan at reasonable premiums. The Policy offers various Sum Insured options available ranging from Rs3 lakhs to Rs50 Lakhs with Deductible options ranging from Rs2 lakh to Rs10 lakhs.

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 for 60 days-90 days respectively, Modern Treatment Methods and Daycare Procedures above the Deductible Amount
2. The Policy offers various Sum Insured options available ranging from Rs3 lakhs to Rs50 Lakhs with Deductible options ranging from Rs2 lakh to Rs10 lakhs. The Policy has an Entry Age Limit of 18 days to 80 years for the Proposer and his family members while Dependent Children between the ages of 90 days to 3 months can be covered under the Policy.
3. 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.
4. Waiting Period of 12 months for Specific Diseases
5. Waiting Period of 12 months for Pre-Existing Diseases
6. Waiting Period of 12 months for Maternity Coverage
7. Lifelong renewal

Bajaj Allianz CritiCare Insurance Policy

Bajaj Allianz’s CritiCare Insurance Policy pays a lumpsum benefit if the Insured is diagnosed with any of the 43 Critical Illnesses. The Policy offers various Sum Insured options ranging from Rs1 lakh to Rs50 lakhs for people upto the age of 60 years

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 pays out a lumpsum amount if the Insured is diagnosis with a covered critical illness irrespective of the actual treatment costs. Bajaj Allianz CritiCare 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. 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.
4. 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
5. Insured can opt for one or more Critical Illness section. The benefits payable will be independent for each section if more than one section is chosen
6. 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.

Bajaj Allianz Silver Health Insurance Policy

Bajaj Allianz Silver Health Insurance Plan is a Senior Citizen Health Insurance Policy providing coverage for Hospitalization Expenses, Day Care Procedures, Pre and Post-Hospitalization Expenses, Modern Treatment Methods etc. The Policy has Sum Insured options ranging from Rs50,000 to Rs10 Lakhs with an entry age of 46 years to 80 years.

Key Features of Bajaj Allianz Silver Health Insurance Policy

1. The Policy is offered under 2 variants: Plan A and Plan B. Plan A has various Sum Insured options ranging from Rs50,000 to Rs5 lakhs while Plan B offers Sum Insured Options from ranging from Rs3 lakhs to Rs10 lakhs
2. The Policyholder can opt for a Single Private AC Room under the Policy. 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.
3. The Policy provides coverage for Pre and Post-Hospitalisation Expenses 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
4. 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
5. Policy has a Sub-Limit of Rs40,000 or 10% of Sum Insured (whichever is lower) for Cataract Claims
6. 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.
7. 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 is reduced at the same rate at which it has accrued
8. Waiting Period of 12 months for Specific Diseases
9. Waiting Period of 12 months for Pre-Existing Diseases
10. Lifetime Renewal under the Policy

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 lump sum amount to the Policyholder on diagnosis of one of the covered Critical Illnesses provided that the Insured survives 30 days after the diagnosis of the disease.

Key Features of the Bajaj Allianz Critical Illness Insurance Policy

1. The Policy offers various Sum Insured Options ranging from 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
2. Policy has an entry age of 18 years to 65 years for adults and 6 years to 21 years for Dependent Children
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. The Policy has a Policy has a Survival Period of 30 days after the diagnosis of the covered Critical Illness

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

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. 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

Get Best Quotes for Bajaj Allianz Health Insurance Policies with Qian!

Bajaj Allianz is a leading Health Insurer in India with reliable claim settlement, a large hospital network, and customizable benefits. Qian is a licensed Insurance Broker with Bajaj Allianz General Insurance Company. We can assist you with all Health Insurance Policies as well as Claim Settlement with Bajaj. Get a Quote for Bajaj Allianz Health Insurance Policy from Qian. You can reach out to us via email at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.