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Popular Plan of Bajaj Allianz Health Insurance
Here is the list of Bajaj Allianz Health Insurance plans popular for their coverage and customizable services:
| Plan Name | Key Highlights |
|---|---|
| My Health Care Plan | Customisable cover (Rs. 3L to Rs. 5 Cr), hospitalisation, modern treatments, maternity, yearly health check-ups, and lifelong renewal. |
| Extra Care Plus | Floater policy, wide sum insured, pre-existing disease cover after 12 months, hospitalisation, daycare, ambulance, maternity, tax benefit. |
| Global Health Care | Worldwide hospitalisation, emergency evacuation, modern treatments, and daily cash benefit (up to 25 nights). |
| Aapke Liye | State-specific plan, festive protection benefit, fair local premiums, covering Rs. 5L to Rs. 20L, wellness rewards, cashless discount. |
Health Insurance Plans By Bajaj Allianz
Riders Available with Bajaj Allianz Health Insurance Plans
Here is the list of riders available with Bajaj Allianz Health Insurance plans:Day Care Procedures
Covers treatments that do not require 24-hour hospitalisation, like dialysis, cataract surgery, or chemotherapy.
Personal Accident Rider
Provides financial support in case of accidental death or permanent/partial disability.
Hospitalisation Expenses Cover
Takes care of major in-patient costs such as room rent, ICU charges, doctor’s fees, surgeries, medicines, and consumables.
Automatic Restoration of Sum Insured
Restores the sum insured (up to 100%) if it is fully used during the policy year.
Pre and Post-Hospitalisation Cover
Covers medical expenses 60 days before and 90 days after hospitalisation for tests, consultations, and medicines.
Critical Illness Rider
Provides a lump-sum payout for serious illnesses like cancer, stroke, heart attack, or kidney failure.
OPD Cover Add-on
Helps cover outpatient costs like doctor visits, diagnostic tests, minor procedures, and pharmacy bills.
Room Rent Waiver
Removes limits on room rent so you can choose any hospital room without affecting your claim.
AYUSH Treatment Cover
Covers inpatient treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy when recommended by a doctor.
Maternity and Newborn Cover
Covers maternity costs, including delivery, prenatal medical needs, postnatal care, and hospitalisation for the newborn (after the waiting period).
Inclusion and Exclusion
There are some medical issues that a policy covers, and some it does not. To know everything about policy, it is better to go through the inclusion and exclusions from the policy brochure.
What does Bajaj Allianz Health Insurance Cover?
Hospitalisation expenses
Covers costs for illness, accidents, and surgeries.
Pre and Post-Hospitalisation
Medical expenses before admission and after discharge are covered.
In-patient hospitalisation
Room rent, ICU, doctor fees, and other hospital charges are included.
Advanced treatments
Expenses for modern and advanced medical procedures are covered.
Organ donor expenses
Medical costs for an organ donor are covered if the insured receives the organ.
AYUSH treatment
Ayurvedic, Yoga, Unani, Siddha, and Homeopathy treatments are covered if advised by a doctor.
Maternity and newborn care
Covers maternity treatment, surrogacy, ART complications, and newborn care.
Baby care
Additional cover for hospitalisation of a newborn.
External medical aids
Expenses for wheelchairs, crutches, walkers, and hearing aids are included.
Floater and individual sum insured
Option to cover the whole family under one plan or individually.
Additional covers
Includes cumulative bonus, airlift cover, family visit, renewal premium waiver, and consumables in select plans.
What does Bajaj Allianz Health Insurance not Cover?
Pre-existing conditions
Illnesses you already had (like heart disease, diabetes, cancer) are not covered immediately.
Alternative therapies
Treatments like naturopathy, acupuncture, magnetic therapy, acupressure, etc., are not covered.
Cosmetic surgeries
Plastic surgeries, hair transplants, or similar procedures are not covered unless medically required due to an accident.
Dental treatments
Only accidental damage to natural teeth during hospitalisation is covered.
Self-inflicted injuries
Injuries from self-harm, suicide attempts, or war-related incidents are not covered.
Other diseases and treatments
HIV treatments, congenital diseases, substance abuse treatments, fertility procedures, experimental treatments, and de-addiction treatments are excluded.
Mandatory waiting period
Some policies have a waiting period of 1–3 months for coverage to start, except for accidental injuries, which are covered immediately.
FAQs
It covers expenses for illness, accidents, surgeries, room rent, ICU charges, and doctor fees.
You can check your Bajaj Allianz health insurance status online by visiting their official website or using the customer portal. Enter your policy number and details to see your current policy status.
Yes, it includes maternity treatment, surrogacy, ART complications, and hospitalisation for newborns.
This rider provides a lump-sum payout if you are diagnosed with serious illnesses such as cancer, stroke, or kidney failure. The money can be used for treatment or daily expenses during recovery.
It gives financial support in case of accidental death or permanent total/partial disability, helping protect your family’s financial security.