Bajaj Allianz Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 92.24%
PED Coverage
Covered after 3 Years
Save Tax Under
Section 80D

About Bajaj Allianz Health Insurance

Bajaj Allianz General Insurance Company Limited is a renowned joint venture between Bajaj Finserv Limited and Allianz SE. Bajaj Finserv holds 74% of the venture, while Allianz SE holds the remaining 26%. With its headquarters in Pune, the company has emerged as a trusted provider of tailor-made insurance solutions across various sectors in India. Its offerings include health insurance, cyber safe insurance, home insurance, travel insurance, and motor insurance. Bajaj Allianz General Insurance is dedicated to delivering services that are personalized and focused on your needs, providing you with utmost assurance and continuity.

When it comes to health insurance, Bajaj Allianz General Insurance offers comprehensive plans designed to protect your health and financial well-being. The company provides a diverse range of affordable health insurance plans for individuals and families, offering flexibility and customization options to suit your specific requirements. With Bajaj Allianz health insurance plans, you can obtain coverage not only for consultations and health check-ups but also for critical illnesses, maternity expenses, and accident-related medical costs. In summary, the health insurance plans offered by Bajaj Allianz General Insurance provide ample coverage, ensuring the protection and well-being of you and your loved ones.

Best Bajaj Allianz Health Insurance Plans 2023

Bajaj Allianz General Insurance offers a range of health insurance plans, and here are the top 5 plans:

  • Bajaj Allianz Health Guard Policy: This policy caters to all your healthcare needs and is available for individuals and families. Coverage is provided for individuals aged between 3 months and 65 years, with policy terms of 1, 2, or 3 years. The sum insured options range from Rs. 1.5 lakh to Rs. 50 lakh, varying with Silver and Gold variants. The policy offers benefits such as cover for daycare procedures, organ donor expenses, road ambulance expenses, convalescence benefit, in-patient hospitalisation expenses, and pre-hospitalisation and post-hospitalisation expenses.
  • Bajaj Allianz Total Health Secure Goal Policy: This comprehensive plan offers hospitalisation benefits along with life cover. It covers hospitalisation expenses for individuals aged between 3 months and 65 years. The policy can be purchased for 1, 2, or 3 years and offers lifetime renewability. It is available in Silver and Gold variants, with sum insured options ranging from Rs. 1.5 lakh to Rs. 50 lakh.
  • Bajaj Allianz Critical Illness Plan: Designed for individuals aged between 6 and 65 years, this plan provides coverage against critical illnesses such as open-chest CABG and permanent paralysis of limbs. It is an annual policy with sum insured options ranging from Rs. 1 lakh to Rs. 50 lakh. The policy pays a lump sum amount upon diagnosis of a critical illness, provided the insured survives for 30 days after the diagnosis.
  • Bajaj Allianz Health Infinity Policy: This policy offers comprehensive coverage for sickness, illness, disease, or injury. Individuals aged between 3 months and 65 years can be covered under this plan. Special benefits include pre-hospitalisation and post-hospitalisation cover, road ambulance cover, preventive health check-ups, coverage for daycare procedures, and pre-existing diseases.
  • Bajaj Allianz Extra Care Plus Policy: This super top-up policy covers higher medical expenses not covered by your existing health insurance plan. It is available for individuals and families, covering individuals aged between 91 days and 80 years. Additional benefits include in-patient hospitalisation expenses, emergency road ambulance cover, pre-hospitalisation and post-hospitalisation expenses, and free health check-ups.

These plans provide comprehensive coverage and cater to the diverse healthcare needs of individuals and families.

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Why Choose Bajaj Allianz Health Insurance?

Bajaj Allianz General Insurance provides several benefits that make it a preferred choice for health insurance solutions:

  • Impressive Claim Settlement Ratio: Bajaj Allianz General Insurance boasts a remarkable Claim Settlement Ratio of 92.24%. This indicates a higher likelihood of your health insurance claim being settled with this insurer.
  • Cashless Treatment at Over 6,500 Hospitals: With a vast network of more than 6,500 hospitals, Bajaj Allianz General Insurance allows you to avail cashless treatment, eliminating the need to bear the expenses out of your own pocket.
  • Quick Claim Settlement Within 60 Minutes: Bajaj Allianz General Insurance prioritizes a smooth and swift claim settlement process. The company aims to settle cashless claims within 60 minutes of receiving the claim request, providing you with peace of mind even during emergencies.
  • In-House Health Administration Team (HAT): Bajaj Allianz General Insurance has an efficient in-house health administration team dedicated to ensuring prompt and effective claim settlement. This streamlined process adds to its appeal as a preferred choice for many.
  • 24/7 Customer Assistance: Bajaj Allianz offers round-the-clock customer support services to address your queries and resolve any grievances. This constant availability of assistance further enhances the customer experience.

These benefits highlight Bajaj Allianz General Insurance's commitment to providing efficient and customer-centric health insurance solutions.

Key Benefits of Bajaj Allianz Health Insurance

By selecting Bajaj Allianz health insurance plans, you can avail yourself of the following advantages:

  • Quick Claim Settlement Via App: The Health Claim by Direct Click (CDC) feature enables you to initiate and track claim settlements seamlessly. Through this feature, you can register claims, complete necessary forms, and collect and submit documents from anywhere. To utilize this benefit, simply download the Bajaj Allianz Insurance Wallet application.
  • Sum Insured Reinstatement Benefit: Bajaj Allianz health insurance plans provide a sum insured reinstatement benefit. If your sum insured and cumulative bonus (if applicable) are exhausted due to claims made during the policy term, 100% of the sum insured specified for in-patient hospitalization treatment will be reinstated for that policy year.
  • Wide Choice of Health Insurance Plans: Bajaj Allianz offers a diverse range of health insurance plans catering to individuals, families, senior citizens, and critical illnesses. Additionally, the insurer provides top-up and super top-up plans at affordable premiums. This wide variety of options ensures that customers can find suitable health insurance solutions to meet their specific needs.
  • Lifetime Renewability Benefit: While certain Bajaj Allianz health insurance plans have maximum entry age restrictions, all plans offer the advantage of lifetime renewability. This means that you can enjoy the benefits of renewing your policy for a lifetime.

These benefits showcase the commitment of Bajaj Allianz to providing comprehensive and customer-friendly health insurance solutions.

Bajaj Allianz Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.
As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for Bajaj Allianz Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 93.68%
FY 2019-2020 | 92.24%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. Bajaj Allianz Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

Bajaj Allianz Health Claim Process

Bajaj Allianz General Insurance ensures a seamless and convenient claim settlement process. Here's a guide on how to make cashless and reimbursement claims under your Bajaj Allianz health insurance plans:

Cashless Claim Process

Step 1: Get Hospitalized in a Network Hospital
Choose a Bajaj Allianz network hospital for cashless treatment and inform Bajaj Allianz General Insurance by calling their toll-free number 1800-209-5858 or sending an email to [email protected].

Step 2: Present Your Bajaj Allianz Health ID Card
Show your Bajaj Allianz Health ID card along with a valid ID proof at the hospital for verification.

Step 3: Fill in the Pre-Authorization Form
Complete the pre-authorization form, which the hospital will forward to the Bajaj Allianz Health Administration Team (HAT).

Step 4: Document Verification
Bajaj Allianz will verify the details on the pre-authorization form in line with your policy benefits. The insurer will inform the hospital about the decision.

Step 5: Claim Settlement
Once your claim request is approved, the hospital will be notified within 60 minutes. Bajaj Allianz will settle the treatment costs directly with the hospital, eliminating your concerns about payment.

Reimbursement Claim Process

Step 1: Get Hospitalized and Receive Treatment
Choose a non-network hospital of your preference for treatment. Inform Bajaj Allianz about the hospitalization by calling 1800-209-5858 or emailing [email protected].

Step 2: Settle Bills at the Hospital
Pay all the bills for the received medical treatment at the hospital.

Step 3: Gather All Relevant Documents
Collect all the documents related to your treatment. Refer to the list below:

Documents Required for Bajaj Allianz Health Insurance Claim Settlement:

  • Original discharge summary document
  • All laboratory and test reports
  • Original hospital bills and receipts
  • Copy of stickers/invoice/barcode for implants (if applicable)
  • KYC form
  • First consultation letter from the doctor

Step 4: Document Verification
The submitted documents will undergo customary verification. If any additional documents are required, you will be informed in advance.

Step 5: Claim Settlement
Upon verification of your documents and confirmation that the claim adheres to the policy terms and conditions, the payment will be released via ECS (Electronic Clearing Service) within 7 working days.

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Bajaj Allianz Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 92.24%
PED Coverage
Covered after 3 Years
Save Tax Under
Section 80D
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