Investing in one’s health is always a wise decision. Hence, it is important to ensure that unforeseen circumstances that affect your health don’t burn a hole in your pocket. Bajaj Allianz, a collaborative unit between Bajaj and Allianz, provides attractive health insurance plans that cover all health related risks under a comprehensive plan.
With the availability of lifetime renewal, pre and post hospitalisation cover and coverage of pre-existing disease after 4 years of waiting period, Bajaj Allianz surely is one of the reliable insurance providers in the health ecosystem.
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At Coverfox you get - Same Products. Same Prices. Additional Free Services.
This plan covers your entire family under a single health insurance policy if taken on a family floater basis.
Individual Coverage
This is the most basic health insurance plan, which offers coverage as follows:
This policy offers basic coverage in range of Rs.1 lakh and Rs.10 lakh for individuals between age 3 months and 65 years.
Pre and post hospitalization expenses, No-claim bonus, cashless benefit, hospital expense cover, ambulance cover, etc., are provided in the plan.
In case you wish to buy this plan for coverage of your entire family on a shared basis. Here are some of details of coverage offered:
This is a basic family floater plan, which covers health costs of the entire family in the range of Rs.2 lakh and Rs.10 lakh.
A maximum of 2 adults and 4 children in the family of any age above 3 months can be covered under this policy.
The plan offers hospital expense cover, ambulance cover, pre and post hospitalization expenses, No-claim bonus, etc., are provided in the plan. Along with these, the policy distinctly offers cashless health insurance facility (the hospitalization bill is directly settled with the health insurer).
In case you want to buy a basic health insurance plan from Bajaj on individual or family floater basis, know more about coverage offered under Health Guard, please click here for individual coverage and to know more about family floater coverage.
Product Benefits
Individual Coverage
This is a health insurance plan with coverage for maternity expenses and daily cash allowance. Here are some of the details of this plan:
This health insurance plan offers coverage in range of Rs.5 lakh and Rs.50 lakh for individuals of any age above 3 months.
Along with basic coverage the policy has pre and post hospitalization expenses, No-claim bonus, maternity coverage, out-patient benefit, cashless benefit, etc. the policy also has restore benefits.
There are three variations of this plan available each of which has different coverage range.
Ancillary treatment cover (e.g. Daily allowance), personal accident cover, critical illness cover, can be covered under this policy with additional premium rates.
Family Floater Coverage
This is a family floater plan, which covers health costs of the entire family in the range Rs.5 lakh to Rs.50 lakh
A maximum of 2 adults and 3 children in the family of any age above 3 months can be covered under this policy.
Along with basic coverage the policy has pre and post hospitalization expenses, No-claim bonus, maternity coverage, out-patient benefit, cashless benefit, etc. the policy also has restore benefits.
There are three variations of this plan available each of which has different coverage range.
Ancillary treatment cover (e.g. Daily allowance), personal accident cover, critical illness cover, can be covered under this policy with additional premium rates.
If you want to buy a health insurance plan, which covers maternity expenses and is offered by Bajaj, please click here to know more about Health Care Supreme.
This is an additional top-up plan for your existing health insurance plan which provides a wider range of health protection for your entire family.
What is covered?
This is a top-up plan with deductible (amount to be paid by the policy holder before claiming insurance) and which offers coverage for higher hospital expense at minimum premium rates for anyone between age 18 years and 65 years and dependent child between age 3 months and 25 years.
The coverage amount for this plan is in the range of Rs.10 lakh and Rs.15 lakh and the deductible amount is in the range of Rs.3 lakh and Rs.5 lakh.
Product Benefits
To know more about the coverage and benefits offered under Extra Care plan, contact Coverfox.
Individual coverage
This is personal accident disability plan for occupation risk class I individuals. The details of the plan are as follows:
This policy offers coverage in case of accidents in range of Rs.10 lakh and Rs.25 lakh for risk class I individuals (Administrative/ managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations) between age 18 years and 65 years and dependent children between age 5 years to 21 years.
The plan covers permanent total disability, permanent partial disability, temporary total disability & death. Education allowance is also offered to the policyholder's child after his/her death.
Family Coverage
For family coverage under this plan the details are as follows:
This is a family plan, which covers the entire family against any accident. Coverage offered is in the range of Rs.10 lakh and Rs.25 lakh for family members in risk class I (Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations).
A maximum of 2 adults (proposer and spouse) and 4 children in the family between age 18 years and 65 years and dependent children between ages 5 years to 21 years. Additional member A and additional member B would include spouse and children respectively.
The plan covers permanent total disability, permanent partial disability, temporary total disability & death. Education allowance is also offered to the policyholder's child after his/her death.
In case you belong to occupation risk class I and want to buy a personal accident disability plan for yourself and your entire family, know more about Premium Personal Guard coverage and features.
This personal accident disability plan is available for all the three occupation risk class viz. I, II and III. The details of the coverage offered is as follows:
This policy offers accidental coverage based on the occupational risk class.
The coverage offered is further classified as:
This is a personal accident disability plan with 16 variants. Here are some of the details of the coverage offered:
This policy offers accidental coverage to individuals.
There are 16 plans under this plan, which offers different type of coverage to both risk group I and risk group II mentioned above. The coverage can be distinguished as:
For Spouse and Children
The Sankat Mochan Plan is also available for Family coverage of spouse and children. The details are as follows:
This plan will offer accidental coverage.
For spouse only 5 plans and for children only 3 plans can be availed. Under which offer different type of coverage is offered to both risk group I and risk group II mentioned above. The distinguished coverage types are:
This is a benefit plan, which as the name suggests offers compensation in the form of daily cash during hospitalization of the insured. The benefits offered are:
This policy offers daily cash for as long as one or two months of hospitalization.
Per day cover offered by the policy is in range of Rs.500 and Rs.2500
Adults between age 18 years and 65 years, and dependent child between age 3 months and 21 years can be covered under this policy.
To know more about this benefit plan, contact Coverfox.
This is a plan designed specifically to provide cover against serious diseases and illnesses which are life-threatening. The sum benefit payout is made once the diagnosis has been confirmed post 30 days. The amount is paid on a lump sum basis so that the treatment can begin immediately.
This is a benefit plan offered by Bajaj, which is designed to cover expenses other than hospitalization expenses by offering a lump sum amount after diagnosis of any of the critical conditions listed in the policy wording.
This policy offers coverage in range of Rs.1 lakh and Rs.10 lakh for individuals between age 18 years and 65 years dependent child between age 3 months and 21 years.
The plan offers lump sum amount to the policyholder after being diagnosed with critical illness.
If you want to buy a plan which will take care of your financial burden after diagnosis of critical conditions, know more about Critical illness Plan, contact Coverfox.
Product Benefits
Surgical Protection Plan
This is a unique plan, which is designed only to cover surgical expenses. Here are some of the benefits offered:
This plan offers coverage in the range of Rs.1 lakh and Rs.10 lakh.
Minor surgery, day care treatment, major surgery, sub-major surgery and supra major surgery are categories in which the surgeries are divided.
Other benefits like hospital daily cash allowance and critical illness cover are optional in this plan.
The plan is grouped such that it covers some specific group of surgeries. It provides a fixed amount in case of the surgeries mentioned.
There is variation in waiting period for coverage offered. Details are as follows:
The amount offered by the insurer would be after taking into consideration geographical location and the fixed amount, which is required for the surgery.
Family Coverage
The plan mentioned above can also cover expenses for your entire family. Here are the details:
This is plan offers coverage in the range of Rs.1 lakh and Rs.10 lakh. Same policy can be used to cover proposer, spouse, dependent children and dependent parents.
It is specifically designed to provide coverage for surgeries with variation in waiting period. The waiting period option is as follows:
The amount offered by the insurer would be after taking into consideration geographical location and the fixed amount, which is required for the surgery.
The plan is grouped such that it covers some specific group of surgeries. It provides a fixed amount in case of the surgeries mentioned.
Minor surgery, day care, major surgery, sub-major surgery and supra major surgery are categories in which the surgeries are divided. Other benefits like hospital daily cash allowance and critical illness cover are optional in this plan.
In case this plan is just what you were looking for, know more about this plan before you buy it for yourself or your family, contact Coverfox to discuss about terms and conditions under this policy.
As the name suggest this health insurance plan is specifically for those looking for tax benefits in insurance. Here are the details of coverage offered.
This is a family floater plan which covers health costs of the all family members between age 18 years to 55 years for plan A, plan B and plan C and 56 years to 75 years for plan D.
The plans are divided as per the tax gain.
Co-pay of 10% applicable when treatment is under non networked hospitals.
If you are okay to have a plan with co-pay on non-network treatment, know more about the terms and conditions under this plan, contact Coverfox.
This is a unique critical illness benefit plan specifically for women. The details of coverage are as follows:
This policy is especially for women. Coverage offered is in the range of Rs.50,000 and Rs.2 lakh
The plan provides lump sum amount in case of critical illness coverage and also covers congenital disability benefits.
Additional benefit of this plan includes children education bonus (fund for children after claim for critical illness) and loss of job compensation (compensation in case critical illness resulting in loss of job).
If you are an independent women looking out for a plan just liked this one then know more about the details of coverage offered,
A health insurance policy especially for senior citizens. Here are some of the benefits offered:
This policy offers coverage to senior individuals in range of Rs.50, 000 and Rs.5 lakh for individuals between age 46 years and 70 years.
The plan offers hospital expense cover, ambulance cover; pre-existing illness cover, etc. are provided in the plan. Along with these, the policy also has cashless facility.
Copay of 20% is applicable before paying any plan.
To know more about terms and conditions under this plan,
This is a comprehensive health insurance plan suitable if you are a frequent traveller abroad.
What is covered?
Product Benefits
There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy.
For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.
Bajaj Allianz Health Insurance has a well-defined claim processing system.
Cashless Service: Seeking Pre-Authorization
Reimbursement Claim: Claim Submission
In case of any emergencies, you need to inform Bajaj Allianz within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Bajaj Allianz's toll free number 1800-209-5858. The same could also be emailed to customercare@bajajallianz.co.in .
Bajaj Allianz offers an array of reasonably priced health insurance policies. Their health plans are made-to-measure to shield you against the mounting healthcare outlays. They boast of a highest claim settlement ratio amongst private insurers.
Their health insurance products like individual health insurance, family health insurance, health insurance for senior citizens, and top-up health insurance cover are premeditated to meet precise requirements. Hence, if you are scouting for an insurer who will deliver dependability, competence and brilliant post sales services in consort with the products specific to your requirements, Bajaj Allianz is a won over alternative.
Bajaj Allianz is one of the leading general insurance providers in India with a wide range of customized health insurance products. Bajaj Allianz offers a complete peace of mind when it comes to selecting a health insurance plan on the basis of your family’s needs and financial constraints. The health insurance cover will enable you to receive the best of doctors and medical treatment available.
In order to renew your Health Insurance Plan from Bajaj Allianz, simply visit the official website of the same and select the health insurance section. Fill in your KYC details such as the policy number, pin code of your current residence and contact details, then pick your quote and make the payment via debit/credit/net banking.
You can save up to ₹1 lakh on premiums paid for a Health Insurance plan from Bajaj Allianz as per Sec 80D of the Income Tax Act, 1961. Additional deductions can be availed for the following:
The Bajaj Allianz Health Guard plan for individual as well as family provides cover for maternity and newborn baby expenses.
All sorts of pre and post hospitalization expenses are covered. For pre-existing illnesses, there is a waiting period.
The Bajaj Allianz Health Guard plan for individual as well as family provides cover for maternity and newborn baby expenses. The expenses can be claimed via cashless or reimbursement process.