Health Insurance

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Key Features

  • Cashless treatment at 6000+ network hospitals
  • Tax saving under Sec 80D
  • Claim settlement in an hour*
  • In-house health administration team

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Bajaj Allianz Health Insurance Plans

A good health insurance policy should do three things:

  • Ensure that you and your family get the best medical care possible when you need it.
  • Cover you financially against the costs of treatment and hospitalization.
  • Give you complete peace of mind.

Bajaj Allianz's medical insurance plans has everything mentioned above. Our health insurance policies ensure that you and your loved ones get access to immediate care at the best hospitals without wiping out your hard-earned savings on medical expenses.

Bajaj Allianz offers a wide range of affordable policies to cater to the diverse needs of customers. With cashless treatment across a huge network of hospitals and hassle-free claims settlement, our health insurance plans are designed to make life simpler for you during stressfull medical emergency situation.

Here's what sets us apart:

  • We have the highest claim settlement ratio among health insurance companies in India.
  • We settle cashless claims within 1 hour - the fastest turnaround time among health insurance providers in India.

Types of Health Insurance Policies – Catering to Diverse Needs

Don't let medical emergencies take a toll on your financial health. Get affordable cover against treatment and hospitalization costs with Individual Health Guard Insurance.

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Ensure that your loved ones get the best medical attention possible when they need it most with the Health Guard Family Floater Insurance policy.

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Get complete protection for yourself and your family from unforeseen medical expenses due to accidents-- not just in India but also when you are travelling abroad.

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Critical illness like cancer, stroke and heart disease need specialized, long-term treatment. That's why you need a special health insurance policy to deal with it.

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No matter how well you plan your finances, medical expenses can take you by surprise. This is a top-up plan over and above your existing health insurance policy that gives you wider cover. Extra Care Plus can also be taken as a standalone policy.

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Why buy your Health Insurance Policy from Bajaj Allianz?

As one of the best health insurance companies in India, we understand that every individual has unique needs and expectations from a medical insurance policy. That's why our products are packed with a wide range of features and benefits.

  • Peace of mind : Medical emergencies often come without warning. And end up taking a toll on your financial health. With a good health insurance policy, you can be secure in the knowledge that you and your family are financially protected against unforeseen health care expenses.
  • Get the best medical care : The only thing you should think about in a medical emergency is getting the best care possible, not how much it is going to cost you. Our health insurance plans enable you to get treatment from the best hospitals and doctors.
  • Cashless settlement : Bajaj Allianz is empanelled with a large network of hospitals across the country. You can get cashless treatment at any of them - just inform our team and we will take care of everything.

    Hassle-free claims : Our claim processes are designed to be as hassle-free as possible for you. You can benefit from the following:

    • 24x7 on-call support.
    • An in-house Health Administration Team to ensure a seamless and quick claims settlement process.
    • One of the fastest turnaround times in the industry - under one hour for cashless settlements.
    • One of the highest claims settlement ratios among health insurance providers in India.
    • Health CDC benefit : Quick claim settlement through app.*
  • Comprehensive coverage : Choose from a wide range of affordable health insurance policies to cover you and your family against medical expenses, critical illnesses and accidents. Add top-up plans for extra coverage.
  • Affordable plans : Enjoy maximum coverage at a price that is easy on your pocket.
  • Preventive care : Get free medical check-ups once every three claim-free years.*
  • Ease of transaction : Buy or renew your policy in just a few clicks online.

Why you should Buy Health Insurance Bajaj Allianz?

Why Health Insurance

*Health CDC (Claim by Direct Click) is a feature in the Bajaj Allianz Insurance Wallet App which enables you to raise claim requests up to Rs. 20000 through the app. This is the easiest way to make claim requests. You can upload all the required documents in the app and get regular status updates on your claim. The entire process is paperless and saves both time and money.

How to Save Tax with a Health Insurance policy?

A health insurance plan is designed to provide you with financial support when you are faced with medical and hospitalization expenses. But it also gives you the added benefit of great tax savings.

You can claim a tax exemption of upto Rs 1,00,000 on a Bajaj Allianz medical insurance policy under Section 80D of the income tax act. Here’s how:

  • Get a deduction of upto Rs 25,000 on premiums paid towards health insurance plans for yourself, spouse, children and parents. You must be under 60 years of age.
  • Claim a tax exemption of upto Rs 50,000 on premiums paid towards a medical insurance policy for parents who are senior citizens (above the age of 60).
  • If you are under 60 and your parents are above 60, you can avail both the exemptions (a total of upto Rs 75,000).
  • If you are above 60, you can claim an exemption of upto Rs 1,00,000 on premiums paid towards yourself, spouse, children as well as for your parents.

Health Insurance Myths

Health Insurance Myths

Important concepts you should know about your Health Insurance plan

  • Sum Insured : This is the maximum amount of money you can claim against medical expenses in one policy year. Let's assume you buy a health insurance policy for a sum insured of Rs 5 lakh. Now suppose you make a claim of Rs 2 lakh during the year to cover some healthcare expense. What happens to the remaining Rs 3 lakh? You remain covered for that amount for the rest of the year.
  • Premium : When you buy a medical insurance policy, you must pay a certain amount periodically (monthly, quarterly, half-yearly or annually) to get the cover you need. This is called the premium, and the amount you must pay depends on many factors, including total sum insured, age, medical condition and physical fitness.
  • Pre- and Post-Hospitalization Expenses : Medical treatment often begins before hospitalization and continues after discharge. Health insurance policies cover not only hospitalization costs but also expenses you may incur before and after the hospitalization on consultations, medicines, investigations etc. Check the duration of cover before you buy health insurance.
  • Co-Payment : Co-payment or Co-pay is a fixed percentage of the claim that an individual must pay towards his medical expenses while the insurance company pays the rest. For e.g. if your medical insurance plan has a 10% Co-Pay clause and your claim amount is Rs 1,00,000, you must pay Rs 10,000, while the insurer will pay Rs.90,000.
  • Deductible: This is a fixed amount an individual must bear from his own pocket. The insurance company's liability starts above this amount.
  • Ambulance Charges : This is an additional benefit offered by most health insurance policies. It compensates you for the charges that you incur for using an ambulance service in an emergency. The amount of cover varies across policies.
  • Day-Care Procedures : Many medical procedures do not require 24-hour hospitalization. These are called day-care procedures. Many health insurance policies nowadays cover these procedures in addition to longer hospitalization.
  • Network Hospitals : Most insurance companies empanel or tie-up with hospitals across the country to provide better medical services to their customers during their time of need. These hospitals are referred to as network hospitals. You can benefit from the cashless facility at these hospitals - just inform the insurance company and it will co-ordinate directly with authorized hospital.
  • In-House Claims Team vs Third Party Assistance (TPA) : An insurance company may use its own staff to process and settle claims (an in-house team) or it may outsource the claims process to a third party (TPA). An in-house team enables a health insurer to deal with claims directly and provide better service to customers.
  • Hospital Cash : An add-on to your health insurance policy that gives you a daily cash allowance to cope with the ancillary expencess related to hospitalization.
  • Health Insurance Quote : A quote is an estimate of the cost or premium you will have to pay for the policy you need. An insurer will ask you a set of questions to determine your requirement before giving you a quote.

Other Health Insurance Plans

Health Care Supreme

Take care of medical expenses at every stage of your life.

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Hospital Cash

Get an additional cash allowance during hospitalization to cover additional expenses.

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Silver Health

A health insurance policy designed exclusively for senior citizens.

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Star Package

Get cover for health risks, household contents and education grant.

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Health Ensure

Enjoy comprehensive health protection for yourself and your family.

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Tax Gain

Maximize your tax savings with this unique product - a family floater health policy.

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Personal Accident

Insure yourself against accidental injury and death and provide financial security for your dependents.

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Critical Illness for Women

A health insurance plan designed specially for women.

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Premium Personal Guard

Get a premium cover of up to Rs. 25 lakh against accidents.

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Extra Care

Get a Rs 10-lakh top-up on your existing health cover for as little as Rs 2500.

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Awards and Recognitions

Multiple wins at the ACEF HR Summit & Awards for Excellence in HR

Multiple wins at the ACEF HR Summit & Awards for Excellence in HR

Bajaj Allianz General Insurance bagged three awards at the ACEF HR Summit & Awards for Excellence in HR 2018. At the premier awards, we won Gold for Most Effective Recruitment Strategy and two Bronzes for Best Learning & Development Strategy and Best Employee Engagement Strategy. The ceremony also honoured Mr. Vikramjeet Singh, our Chief Human Resources Officer, with Silver for Leader of the Year award. The ACEF Awards recognize and celebrate the best practices in the field of Human Resources amongst various corporations in India.

Most Trusted Global Brand Award

Most Trusted Global Brand Award by Herald Global & BARC Asia

Bajaj Allianz General Insurance has been awarded The Most Trusted Global Brand 2018 by Herald Global & BARC Asia. This award acknowledges the leading brand in its domain on the basis of its superlative performance, the heightened brand recall, loyalty amongst customer base and the values of trust and efficiency that the brand exudes.

Customer Reviews


    27 September 2018

    I appreciate the ease and convenience in online process on Bajaj Allianz website

    23 September 2018

    Web service is user friendly and quick health renewal.

Social Reviews

Health Insurance Resources

Frequently Asked Questions on Health Insurance

1. What all is covered under Bajaj Allianz health insurance policy?
  • Pre and post hospitalization expenses for 60 and 90 days respectively
  • In-hospital expenses, room rent and boarding expenses
  • Cashless treatment at over 6000+ hospitals across India
  • Medical examinations
  • Physician fees/ Doctor Consultation fees
  • Ambulance charges
2. Is it okay to buy health insurance online?

The quick and hassle-free purchase process of Bajaj Allianz helps you to buy your health insurance policy very easily. In addition to that, we provide you with multiple payment options, which further eases your payment woes. You also get your policy issued online which saves you the effort of carrying the physical copy of your health policy. All these factors, along with the proactive customer support makes buying health insurance policy online a better alternative.

3. I have life insurance as my investment, do I need health insurance?

In today's world of riding medical costs, a health insurance cover is a must have. Unlike the life insurance policy, a medical insurance plan covers you against recurring heavy expenses related to your health. This way you are covered against sudden medical costs which might deplete all your savings. Hence, one should have a health insurance cover, even if you have a life insurance policy.

4. What are the key factor that determine the health insurance premium?

The key factors that determine the health insurance premium are as given below:

  • Sum insured amount
  • Age of the insured
  • Number of the members to be insured
  • Pre-existing disease
  • Add-on covers (optional)
5. Why should you consider buying a health plan from Bajaj Allianz?

At Bajaj Allianz, we understand the value of the customer’s precious time and hard earned money, which is proven by the fact that the average claim settlement time taken by us is around 1 hour, one of the fastest claim settlement in the entire health insurance industry. Moreover, the pricing of Bajaj Allianz Health Insurance plans is very competitive and loaded with all the latest features and best coverages.

  • Some features of Bajaj Allianz Health Insurance Plans
  • More than 1.4 lakhs Health Insurance claims processed successfully in 2015-16.
  • Cashless claims facility at over 6000+ hospitals across the country.
  • Average health insurance claim settlement time of 1 hour.
  • Value Added Service (VAS) partners providing special offers exclusively for our health insurance customers.
  • 24/7 call assistance for claims settlement.
  • In-house Health Administration Team (HAT)
  • Maximum coverage at a very affordable price
  • Easy to buy/renew online insurance policies
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Health Insurance Terms Demystified

1. What are pre and post hospitalization medical expenses cover?

Pre and post hospitalization medical expenses cover refers to the feature where the insured is covered against relevant medical expenses incurred for certain number of days, both prior to and after the event of hospitalization.

2. What is a deductible in health insurance policy?

Deductible is the fixed amount that an individual has to pay by himself for his health care/medical expenses before the insurance company pays for the same. Once a person has paid for his/her deductible, the rest of the amount is taken care by the insurance company.

3. What do you mean by day care medical treatment?

Day care treatments are such medical procedures (surgeries or treatments) which can be completed in less than 24 hours. In such case, even though a person is hospitalized, he/she doesn’t have to stay in the hospital for more than 24 hours.

4. What is a No-claim bonus?

A No-Claim Bonus (NCB) is an additional benefit provided to the customer, if they haven't made any claim in the policy year. The benefit can be in the form of additional discount or increase in the sum insured of the customer.

5. Pre-existing disease and Waiting Period

Pre-existing diseases are those type of diseases/conditions which a person has prior to buying a medical insurance policy. Hence, any pre-existing disease/condition has to be declared by a customer at the time of buying the medical insurance plan. The premium amount is one of the key factor in computing the health insurance premium. Another key factor to keep in mind is that the pre-existing diseases have a waiting period (which differs from company to company). Hence, it is better to take a policy at an early age so that you can skip the waiting period clause or to make sure that you are eligible to avail full benefits of your medical insurance policy.

Latest Updates

  • Bajaj Allianz launches revised individual and family floater health insurance plans.
  • Bajaj Allianz is incorporating Yoga in its health insurance wellness packages