Bajaj Allianz Health Insurance

Comprehensive Bajaj Allianz Health Insurance Plans:

1.  Health Guard (Individual as well as Floater Policy): Health Insurance for Individuals and Families (A comprehensive array of benefits and coverage for significant expenses associated with illness or injury).

1. Hospitalisation for inpatient treatment 
2. Pre-hospitalisation and post-hospitalisation coverage 
3. Emergency road ambulance services 
4. Coverage for day-care procedures 
5. Expenses related to organ donors 
6. Convalescence benefits 
7. Daily cash benefits 

1. Reinstatement of the sum insured 
2. Preventive health check-ups 
3. Coverage for bariatric surgery 
4. Ayurvedic and homeopathic treatments 
5. Hospitalisation expenses for gold and platinum plans only 
6. Maternity expenses for gold and platinum plans only 
7. Newborn baby coverage for gold and platinum plans only 
8. Super Cumulative bonus for the platinum plan only 
9. Recharge benefit for the platinum plan only 

2.  Health Infinity (Individual Policy) : Extensive benefits, unrestricted coverage limits, and competitive premiums to manage medical expenses effectively.

1. Inpatient hospitalisation treatment 
2. Pre-hospitalisation and post-hospitalisation care 
3. Emergency road ambulance services 
4. Coverage for day-care procedures 
5. Preventive health check-ups 

3.  Arogya Sanjeevani (Individual & Floater Policy): Arogya Sanjeevani Policy (A policy designed to shield you from the financial strain during hospitalisation).

1. Hospitalisation costs 
2. Pre-hospitalisation and post-hospitalisation expenditures 
3. Day-care procedures 
4. Coverage for AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatments 
5. Expenses related to cataract treatment 
6. Ambulance charges 

4.  Critical Illness: Critical Illness Insurance (A policy offering benefits for life-threatening illnesses, providing a lump sum payment upon the diagnosis of specified critical conditions).

Covered for severe illnesses, including: 

1. Initial heart attack (Myocardial infarction) 
2. Cancer of specified severity 
3. Open Chest Coronary Artery Disease Requiring Surgery (CABG) 
4. Stroke Resulting in Permanent Symptoms 
5. Multiple Sclerosis with Persisting Symptoms 
6. Aorta Surgery 
7. Primary Pulmonary Arterial Hypertension 
8. Permanent Paralysis of Limbs 
9. Kidney failure requiring regular dialysis 
10. Major organ transplantation 

5.  Criti Care (Individual basis sum insured): Critical Illness Insurance (A coverage plan for severe illnesses, with a lump-sum payout upon the diagnosis of specified life-threatening conditions).

1. Coverage for 43 critical illnesses 
2. Lifetime renewal option is available 
3. Specialised care for: Cancer, Cardiovascular conditions, Kidney-related issues, Neurological conditions, Transplants, Care for sensory organs 

6.  Global Personal Guard: Accidental Injury Insurance (A policy providing coverage for the insured in the event of bodily injury, death, or disability resulting from an accident, with a substantial sum insured).

1. Benefits for Children's Education 
2. Allowance for Hospital Confinement 
3. Coverage for Accidental Hospitalisation Expenses 
4. Hospital Cash Benefit 
5. Air Ambulance Cover 
6. Children's Education Benefit 
7. Coverage for Coma 
8. EMI Payment Cover 
9. Fracture Care 

7.  Extra Care (Floater Policy): Supplementary Health Insurance (This policy can be obtained as an additional coverage to an existing hospitalisation medical expense policy).

1. Hospitalisation costs 
2. Pre-hospitalisation and post-hospitalisation expenses 
3. Ambulance charges 
4. Contemporary treatment methods and advancements in technologies 

8.  Extra Care Plus (Floater Policy): Top-up Health Insurance (This policy can be acquired as a supplementary cover to an existing hospitalisation medical expense policy).

1. Inpatient hospitalisation costs 
2. Pre-hospitalisation and post-hospitalisation expenditures 
3. Day-care procedures 
4. Advanced treatment methods 
5. Maternity-related expenses 
6. Ambulance charges 
7. Costs associated with organ donors 
8. Complimentary medical check-up 

9.  M-Care (Individual as well as Floater Policy): A comprehensive solution for prevalent vector-borne illnesses.

Lump-sum benefit for: 

1. Dengue fever 
2. Malaria 
3. Filariasis 
4. Kala Azar 
5. Chikungunya 
6. Japanese Encephalitis 
7. Zika Virus 

What is Covered under Bajaj Allianz Health Insurance Plans? 

1. Inpatient Hospitalisation: The Bajaj Allianz Health Insurance policies provide coverage for the expenses associated with any medical treatment received at a hospital for illnesses, accidents, or injuries, ensuring utmost care. 
2. Pre-hospitalisation & Post-hospitalisation Expenses: You are covered for pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 90 days, respectively, if these costs are related to the ongoing treatment. 
3. Organ Donor Expenses: Supporting the noble cause of organ donation, the Bajaj Allianz Health Insurance plans financially cover surgeries and medical procedures related to organ donation. 
4. Day-care Procedures: Advancements in technology allow for minor medical procedures without prolonged hospital stays. The Bajaj Allianz Health Insurance policies cover you for these day-care treatments. 
5. Ambulance Charges: The Bajaj Allianz Health Insurance provide coverage for ambulance charges incurred when travelling to or from the hospital, ensuring comprehensive support. 
6. Convalescence Benefit: With the Bajaj Allianz Health Insurance policies, you qualify for an annual benefit payout of Rs. 5,000 in case of continuous hospitalisation for ten days or more. 
7. Ayurvedic or Homeopathic Expenses: The Bajaj Allianz Health Insurance covers expenses related to Ayurvedic and Homeopathic treatments, offering support for alternative therapy. 
8. Maternity Expenses and Newborn Baby Cover: The Bajaj Allianz Health Insurance plans cover maternity expenses and medical costs for the treatment of a newborn baby, subject to certain terms and conditions. 
9. Daily Cash Benefit: Avail the daily cash benefit with the Bajaj Allianz Health Insurance policies, which can be used to cover the accommodation costs for a person accompanying you in the hospital. 

While this overview provides insights into insurance coverage, it's advisable to check with health insurance companies to explore additional benefits they may offer. 

What is Not Covered under Bajaj Allianz Health Insurance Plans? 

The general exclusions in the Bajaj Allianz Health Insurance policy include: 

1. War: Treatment expenses resulting from war are not covered by the Bajaj Allianz Health Insurance policies. 
2. Dental Treatment: Unless necessitated by an acute traumatic injury or cancer, the Bajaj Allianz Health Insurance insurance policies do not cover dental treatment. 
3. External Appliances or Devices: The coverage provided by the Bajaj Allianz Health Insurance plans excludes the cost of contact lenses, spectacles, hearing aids, artificial limbs, crutches, artificial teeth, dentures, etc. 
4. Intentional Self-injury: Coverage for intentional self-injury is not offered by the Bajaj Allianz Health Insurance policies, prioritizing your well-being. 
5. Plastic Surgery: Except when necessary for the treatment of cancer, burns, or accidental bodily injury, any cosmetic surgery is excluded from the coverage of the Bajaj Allianz Health Insurance policies. 
6. Treatment Outside India: The Bajaj Allianz Health insurance policies do not extend coverage to any treatment received outside India. 

Calculating Bajaj Allianz Health Insurance Premium Online

You can utilise Bajaj Allianz's free health insurance calculator to estimate your premium. Follow these quick steps: 

Step 1: Visit the online health insurance premium calculator. 

Step 2: Enter your personal details, which include name, date of birth, selected insurance policy, details of family members to be covered, pin code, and contact number.  Step 3: Click on the 'Get My Quote' button. 

Step 4: View your premium details, choose co-payment as per your preference, and click on the 'Confirm Plan' button to purchase a suitable policy online. 

Once you make the online payment, you will instantly receive your health insurance policy (soft copy). 

How to Buy Bajaj Allianz Health Insurance Online?

If you're seeking to buy health insurance online, you can effortlessly acquire Bajaj Allianz's health insurance policy using the following straightforward steps: 

Step 1: Click on 'I Want to Buy', which is located in the top-right corner of the page. 

Step 2: Choose from the health insurance policy options that you wish to purchase. 

Step 3: Provide your details, including your name, date of birth, the desired medical insurance policy, information about other family members to be covered, your pin code, and contact number. 

Step 4: Click on the 'Get My Quote' button. 

Step 5: Your health insurance premium details and quotes will appear on the screen. You can select the co-payment option according to your preference. Then, click on the 'Confirm Plan' button to complete the purchase of your health insurance policy online. 

After making the online premium payment, you will instantly receive a soft copy of your health insurance policy. 

How to Renew Bajaj Allianz Health Insurance Plans?

Renewing a Bajaj Allianz health insurance plan online involves the following steps: 

Step 1: Visit the official Bajaj Allianz Health Insurance website and navigate to the 'Renew Your Policy' option on the page. 

Step 2: Select the 'Health Renewal' option. 

Step 3: Enter your mobile number along with the OTP received. 

Step 4: Provide the necessary details to access the list of available plans. 

Step 5: Choose the preferred Bajaj Allianz Health Insurance renewal plan and complete the payment of the premium amount. 

Step 6: Upon receipt of the premium, the insurer will renew your policy. 

How to Initiate a Claim with Bajaj Allianz Health Insurance Plan?

The process for filing a cashless claim with a Bajaj Allianz Health Insurance policy is outlined below: 

1. Notify Insurance Company: Inform Bajaj Allianz General Insurance Company about your hospitalisation by submitting a claim request. This can be done through email or by calling their toll-free number at 1800-209-5858. For emergency hospitalisation, it is crucial to notify the insurance company within 24 hours of admission. Inform the insurer at least 48 hours before admission in the case of planned hospitalisation. 
2. Identity Verification: The hospital will authenticate your identity using your policy copy and photo ID proof. 
3. Submit the Pre-authorisation Form: The hospital will forward your fully completed pre-authorisation form for approval of cashless treatment to the Bajaj Allianz Health Administration Team (HAT). 
4. Claims Decision: The HAT will assess your pre-authorisation request in accordance with your policy terms and conditions and approve your claim within 60 minutes. 
5. Settlement of Claims: Upon hospital discharge, the claim amount will be paid to the hospital directly by the insurance company. 

1. Payment of Claim Amount: The insurance company will review the documents and either accept or reject the claim. If accepted, the claim amount will be disbursed to you. 

Note: For reimbursement claims, undergo the treatment and settle the entire hospital bill upon discharge. Submit the necessary documents to Bajaj Allianz General Insurance Company - Health Administration Team (BAGIC HAT). The team will verify the documents that are submitted and disburse the claim amount as per your policy terms and conditions. 

Eligibility Criteria for Bajaj Allianz Health Insurance

When considering the purchase of a health insurance policy, several factors are taken into account.  

1. Age Criteria: Age is a crucial factor to consider when purchasing a health insurance plan. Plans are available for children, adults, and senior citizens. Typically, standard plans cover individuals aged between 18 to 65 years. Additionally, there are dedicated senior citizens' health insurance plans designed for individuals aged 60 years and above. 
2. Pre-existing Diseases: Coverage for pre-existing diseases begins after the completion of the waiting period. During the health insurance policy application process, the insurer inquires about the applicant's current medical condition, including issues such as kidney problems and high blood pressure. 
3. Smoking Habits: Lifestyle plays a significant role in the purchasing process. Premiums for non-smokers are generally lower compared to smokers. 
4. Medical Check-up: Medical check-ups are a component of the policy, particularly for individuals aged 45 years or older. Those falling within this age bracket may need to undergo a medical screening before the health insurance policy is issued. 

Required Documents to Buy Bajaj Allianz Health Insurance Policy:

1. Passport-sized photographs 
2. Policy proposal form 

Residential proof: Acceptable documents for residential proof include: 

1. Voter's ID 
2. Aadhaar card 
3. Passport 
4. Electricity bill 
5. Driving license 
6. Ration card 

Age proof: Any of the mentioned documents can be submitted as age proof: 

1. Passport 

1. Aadhaar card 
2. Birth certificate 
3. PAN Card 
4. 10th and 12th class mark sheet 
5. Voter's ID 
6. Driving license 

Identity Proof: Choose from the following documents as your identity proof:

1. Aadhaar card 
2. Driving license 
3. Passport 
4. PAN Card 
5. Voter's ID 

Depending on your chosen coverage, age, medical history, current lifestyle, and residential address, additional documents may be requested.

Benefits of Bajaj Allianz Health Insurance Plan

The escalating expenses associated with medical treatments underscore the importance of acquiring a health insurance policy. Investing in adequate health coverage offers stability in meeting hospital bills, encompassing expenses for routine day-care procedures and preventive health check-ups. Key benefits include: 

1. Cashless Treatment: Access the convenience of cashless health insurance plans when seeking treatment at a network hospital. This entails no out-of-pocket expenses, as you only need to provide your policy number to the network hospital's insurance desk. They will secure a pre-authorisation letter from your insurance company, ensuring seamless settlement of hospital bills by both the hospital and the insurer. 
2. Tax Benefits: Enjoy tax benefits by paying premiums towards your insurance policy. Under Section 80D of the Income Tax Act, individuals can claim tax exemptions. If you are below 60 years old, you can avail a deduction of up to Rs. 25,000 per year for health insurance premiums paid for yourself. For senior citizens, the deduction limit is increased to Rs. 50,000. 
3. Daily Hospital Cash: Health insurance policies may provide the benefit of daily hospital cash. Insurers pay a fixed daily sum for a limited number of days, aiding in securing affordable accommodation for family members or caretakers. 
4. Cumulative Bonus: Renew your policy annually without any breaks and with no claims in the preceding year to enjoy a Cumulative Bonus. The Sum Insured increases by 5% for the first year and 10% for each successful claim-free renewal, with a maximum increment of 50%. 
5. Free Health Check-ups: Embrace preventive care with regular health check-ups covered by your health insurance policy, alleviating concerns about medical bills. 

1. Lifelong Renewability: Once you purchase an annual policy, renew it each year before expiration to benefit from health insurance for an extended duration. Customise coverage requirements based on family size and needs during the renewal process. 

Contact Information for Bajaj Allianz Health Insurance

Explore the contact details for Bajaj Allianz General Insurance Company: 

Toll-free No:  

1. 1800-103-2529 (for health claim assistance) 
2. 1800-209-0144 (for sales assistance) 
3. 1800-210-1030 (for senior citizens) 
4. 1800-102-5858 
5. 1800-209-5858 
6. 020 30305858 

WhatsApp No: 

1. 75072 45858 

Email Id: 

1. seniorcitizen@bajajallianz.co.in (for senior citizens) 
2. bagichelp@bajajallianz.co.in 

Factors Impacting Bajaj Allianz Health Insurance Premium

Several factors influence the premium of your health insurance policy: 

1. Selected Sum Insured: The coverage you choose, and the sum insured selected are key factors in determining your insurance premium. 
2. Number of Members Covered: The inclusion of more members in your policy, such as in family floater health insurance plans, affects the premium. 
3. Age: Purchasing health insurance at a younger age often results in a lower premium, as younger individuals are generally healthier and pose lower risks. 
4. Body Mass Index (BMI): If your BMI exceeds the normal limit, you may face a higher insurance premium. 
5. Medical History: Complex medical histories or a family history of certain illnesses may lead to a higher premium. 
6. Tobacco Consumption: Smoking or using tobacco-containing products can result in a higher premium. 
7. Gender: Women may have a higher premium, as they tend to have more frequent hospital visits. 

The most significant impact on your health insurance premium is the coverage you choose. Broader coverage typically leads to higher health insurance quotes.