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Bajaj Allianz Health Insurance
Bajaj Allianz Health Insurance is offered by Bajaj Allianz General Insurance, which started in 2001 after getting approval from IRDA to provide general insurance in India. The company is a joint venture between Bajaj Finserv Limited and Allianz SE, a global insurance leader. Today, it is one of the largest private insurance companies in India, with offices in over 1100 towns and cities.
Key Features of Bajaj Allianz Health Insurance
| Detail | Information |
|---|---|
| Age Eligibility | 90 days to 65 years (generally) |
| Coverage Amount | Between Rs. 5 lakh to Rs. 2 Crore (generally) |
| Claim Settlement Ratio | 90.19% |
| Cashless Hospitals | 18,400 hospitals across India |
Bajaj Allianz Health Insurance Plans
Types of Plans Available in Bajaj Allianz Health Insurance Company
Here are the types of plans that Bajaj Allianz offers:Individual Health Insurance
This plan is framed for a single person that covers most of the hospitalisation expenses, doctor consultations, medicines, diagnostic tests, AYUSH treatments, therapies, alternative care, and more. It is suitable for anyone who just wants coverage for themself.
Family Floater Health Insurance
A single family health insurance plan allows coverage for all members under a shared sum insured that eliminates the need for separate policies. Such plans are generally more cost-effective, particularly when the members are younger. Since the premium is determined by the age of the eldest member, it is advisable to opt for a higher sum insured if parents are included in the policy.
Critical Illness Health Insurance
This plan is introduced for severe critical diseases that negatively affect the physical and financial condition of a person. If you are diagnosed with a serious illness like cancer, stroke, or heart disease, this plan gives you a one-time lump sum amount.
Senior Citizen Health Insurance
This plan is made for people above 60 years old. It helps with higher medical costs in old age. It usually covers pre-existing illnesses (after a waiting period), offers higher cover, and includes health check-ups. Some rules, like room rent limits or co-payment, may apply, so reading the policy is important.
Super Top-up
This plan adds extra cover on top of your main health policy. It starts working after your medical bills cross a fixed amount (called a deductible). For example, if the deductible is Rs. 5 lakh and your bill is Rs. 8 lakh, the plan will pay the remaining Rs. 3 lakh.
Who Should Buy Bajaj Allianz Health Insurance?
Bajaj Allianz Health Insurance is a good choice for:Individuals People who want complete medical protection for themselves.Families Family floater plans cover all members under a single policy.Senior Citizens Special plans for elderly people with age-related health needs.Frequent Travelers Those who travel a lot and want wider medical coverage.People with High Medical Costs Anyone who wants extra protection with top-up or super top-up plans.
Documents Required to Buy Bajaj Allianz Health Insurance
Here are the names of documents that you need to buy the Bajaj Allianz Health Insurance Plan: Identity Proof Aadhaar, Passport, Driver’s Licence, etc.Address Proof Aadhaar, Passport, Voter ID, etc.Age Proof Birth Certificate, Aadhaar, Passport, etc.Income Proof Bank statements, Salary slips, Income Tax returns, etc.Medical Records Previous prescriptions or medical reports.Health Insurance Documents If previously insured.
How to Buy a Bajaj Allianz Health Insurance Plan?
Here are the two different steps to buy an ICICI Lombard Health Insurance Policy:
Steps to Buy a Health Insurance Policy from the Bajaj Allianz Website
Step 1: Go to Bajaj Allianz’s official site and click on “Health Insurance”.Step 2: Fill in your personal, family, and health details.Step 3: Review available plans and add riders if needed.Step 4: Complete the proposal form and pay securely online.Step 5: Receive the soft copy instantly in your email and manage it on the “Caringly Yours” app.
Steps to Buy a Health Insurance Policy from the Square Insurance Website
Step 1: Visit the official website of Square Insurance.Step 2: Select your gender and add the family members you want to insure, along with their ages.Step 3: Enter your full name and mobile number.Step 4: Provide details of any existing illness, if applicable.Step 5: Pick a health insurance plan or click on “Get Free Advice” for expert suggestions.Step 6: Compare the available plans from Bajaj and customize them as per your needs.Step 7: Make the premium payment online or connect with customer care for help.Step 8: Once done, you will receive your policy document in your registered email.
Why Choose Bajaj Allianz Health Insurance?
Bajaj Allianz Health Insurance Company is a renowned brand that works for the financial safety in case of medical emergencies:Wide Cashless Network Insured can access cashless treatment at 18,400+ hospitals across India.Trusted for 20+ Years With over two decades in health insurance, Bajaj Allianz has built strong expertise and reliability.Trusted Brand Bajaj Allianz Health Insurance Company is recognized as one of the most trusted names in the health insurance industry.Happy Customers More than 3.2 crore customers have chosen Bajaj Allianz for their health insurance needs.High Customer Satisfaction Consistently rated highly by customers for service and claim support.
FAQs
Bajaj Allianz Health Insurance offers plans to cover medical expenses like hospitalisation, surgeries, medicines, and treatments.
It is one of the most trusted companies with many plans, 24/7 support, and a large network of hospitals for cashless treatment.
Yes, it covers pre-existing diseases, but only after you complete the waiting period mentioned in the policy.
Yes, you can easily buy Bajaj Allianz Health Insurance from the official website or through trusted insurance partners.
You can go for cashless treatment at network hospitals or file a claim later with the required bills and documents.