Virtual Office

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About Virtual Office

Insurance penetration in India is abysmally low at less than 1%. Over the years, it has also been observed that insurance companies are rigorously offering insurance solutions to consumers; however, a large chunk of the Indian population remains untapped. There are 33 General Insurance Companies in India but most of them are focused in major cities of India. Hence as a responsible Insurance player to penetrate the unrepresented market, with the aim to reach out to the customers in the remotest corners in the country, Bajaj Allianz General Insurance launched an innovative distribution initiative - Virtual Office in August 2014. The idea behind this initiative was to offer insurance solutions to the customers at their doorstep, thereby enabling employees and agents to make policy related decisions independently with the help of technology. The aim is not only to increase the organizational reach but also increase the market size of the general insurance industry in India.

With this innovation, Bajaj Allianz General Insurance is doing away with the brick and mortar model of offices and bringing the entire office to an application. The app enables the user to issue the policy at a click of a button at the customer's doorstep. Premium is collected online, hence removing any need for physical transactions. Aligning with the core vision of the initiative, this app also enables the agents and employees to conduct the primary inspection and the concerned documents can directly be sent to the offices via digital uploads. Claim settlement is the moment of truth for any insurance company and this app is designed with that insight in mind. Combining features like scanned image upload and inspections, "On the spot" claim settlement has seen glowing reviews from customers and agents.

As all transactions are done at the customer's doorstep, without involving a third-party, the initiative has helped in substantially reducing frauds.


The initiative started on 1st Aug'14 and currently we have 1400+ operational virtual offices Pan India and our network is expanding continuously.

Virtual Office is being headed by Mr. Aditya Sharma, President & Country Head - Virtual Office, Bajaj Allianz General Insurance.
You can reach him on aditya.sharma@bajajallianz.co.in.

Tapan Singhel, MD & CEO

"We are confident that this technology will not only strengthen our distribution network but at the same time also help us serve our customers better."

- Tapan Singhel, MD & CEO
Aditya Sharma, President & Country Head

"As an organisation we strive to provide great customer service and a greater value to our customers. We want our intermediaries and customers to use this platform for a better service experience. We want to empower our intermediaries and customers not only with issuance of policies on the go but also enable them to decide on their claim settlement with our mobile app. We look forward to serve our customers better and engage all the stakeholders.

Thank you for taking the time to visit our website and I wholeheartedly welcome any constructive feedback you may have"

- Aditya Sharma, President & Country Head - Virtual Office