Are you looking for a reliable health insurance plan to secure your finances in the event of medical emergencies? Bajaj Allianz Health Insurance offers some of the most attractive and comprehensive plans to suit any budget. From basic coverage to more extensive policies, Bajaj Allianz provides flexible options so that you can get the protection you need at prices that won’t break the bank. In this blog post, we’ll explore all of the different plans available from Bajaj Allianz and discuss what makes them stand out from other health insurance providers.
Bajaj Allianz Health Insurance Company Overview
Bajaj Allianz is a well-established health insurance provider that has been providing top quality coverage to customers since 2001. With an extensive network of hospitals and healthcare providers, Bajaj Allianz offers comprehensive coverage for medical expenses, including pre-hospitalization and post-hospitalization costs, doctor’s fees, diagnostic tests and more. For added convenience, they also provide coverage for emergency ambulance services and cashless hospitalization.
Contact details for Bajaj Allianz Health Insurance
Bajaj Allianz provides a 24/7 customer service hotline that you can call for any queries or concerns. In addition, the company also has an online portal that allows customers to submit their claims and manage their policies with ease.
Type of Plans Offered by Bajaj Allianz Health Insurance Plans
- Comprehensive Plan: The Comprehensive plan from Bajaj Allianz is designed to cover all medical expenses with a generous sum insured amount of up to Rs 15 lakhs per policyholder. This plan provides comprehensive coverage for both in-patient and out-patient treatment.
- Top-Up Plans: The Top-up plans from Bajaj Allianz are designed to provide additional coverage on top of existing health insurance policies. With a sum insured amount of up to Rs 25 lakhs, they are great for those looking for extra protection against high medical costs.
- Family Floater Plans: The Family Floater plans from Bajaj Allianz provide coverage for an entire family under a single policy with sum insured amounts of up to Rs 10 lakhs per person. This plan is ideal for those who want to secure their entire family’s medical expenses in one go.
- Personal Accident Plan: Bajaj Allianz’s Personal Accident plan is designed to provide financial protection in the event of an accident. This plan provides coverage for medical expenses, disability benefits and death benefits with sum insured amounts of up to Rs 10 lakhs.
Bajaj Allianz Health Insurance Plans Highlights
Bajaj Allianz health insurance plans come with a range of attractive features that make them stand out from other providers. They offer:
- Tax benefits under Section 80D of the Income Tax Act, 1961
- Coverage for pre and post hospitalization costs
- Cashless hospitalization nationwide
- No claim bonus (NCB) of up to 50%
- Coverage for daily hospital cash allowance
- Free health check-ups
List of Top Bajaj Allianz Health Insurance Plans
1) Bajaj Allianz Health Guard Plan
The Bajaj Allianz Health Guard plan is a comprehensive health insurance policy that provides coverage for hospitalization expenses, pre- and post-hospitalization expenses, day care procedures, and more. It also covers ambulance charges, organ donor expenses, medical check-up costs, and alternative treatment costs. The plan can be customized to suit individual needs and offers various riders such as critical illness cover and personal accident cover.
2) Bajaj Allianz Health Companion Plan
The Bajaj Allianz Health Companion plan is a comprehensive health insurance policy that provides coverage for hospitalization expenses, pre- and post-hospitalization expenses, day care procedures, and more. It also covers ambulance charges, organ donor expenses, medical check-up costs, and alternative treatment costs. The plan can be customized to suit individual needs and offers various riders such as critical illness cover and personal accident cover.
3) Bajaj Allianz Silver Health Plan
The Bajaj Allianz Silver Health Plan is a basic health insurance policy that provides coverage for hospitalization expenses up to Rs 1 lakh per year. It also covers pre- and post-hospitalization expenses up to 30 days before hospitalization and 60 days after discharge from the hospital respectively. The plan also includes an additional benefit of free health checkups once every two years for customers aged 45 years or above.
4) Bajaj Allianz Gold Health Plan
The Bajaj Allianz Gold Health Plan is a comprehensive health insurance policy that provides coverage for hospitalization expenses up to Rs 3 lakhs per year along with pre-and post-hospitalization expenses up to 90 days before hospitalization and 180 days after discharge from the hospital respectively. This plan also includes an additional benefit of free health checkups once every two years for customers aged 45 years or above.
5) Bajaj Allainz Platinum Health Plan
The Baja Allainz Platinum Health Plan is a comprehensive health insurance policy that provides coverage for hospitalization expenses up to Rs 5 lakhs per year along with pre-and post-hospitalization expenses up to 180 days before hospitalization and 365 days after discharge from the hospital respectively. This plan also includes an additional benefit of free health checkups once every two years for customers aged 45 years or above plus access to cashless treatments at over 4500 network hospitals across India .
6) Bajaz Allainz Super Top Up Plan
This top up plan helps you reduce your out of pocket expenditure in case of any major medical emergency by providing you with extra financial support on top of your existing base health insurance policy .It pays the difference between the sum insured under your base policy & the actual amount spent on medical treatments . This plan helps you save money by reducing your out of pocket expenditure in case of any major medical emergency .
7) Baja Allainz Critical Illness Cover
This add on cover helps you protect yourself & your family against any serious illnesses like cancer , heart attack , kidney failure etc by providing you with lump sum payment in case of diagnosis of any such critical illnesses . This lump sum payment can help you manage medical bills & other financial commitments during this difficult time .
8) Baja Allainz Personal Accident Cover
This add on cover helps you protect yourself & your family against any accidental injuries by providing you with lump sum payment in case of death or permanent disability due to an accident . This lump sum payment can help you manage medical bills & other financial commitments during this difficult time .
9) Bajaj Allainz Hospital Cash Benefit
This add on cover helps provide daily allowance benefits in case of hospitalized due to an illness or injury , so that one can meet their daily needs without much worry during this difficult time . Also it offers reimbursement benefits if one has opted for non network hospitals instead of network hospitals where cashless facility is available .
10) Bajaj Allainz Maternity Benefit
This add on cover helps provide maternity benefits including delivery related cost , newborn baby care cost etc so that one can meet their maternity related needs without much worry during this difficult time .
11) Bajaj Allainz OPD Benefit
This add on cover helps provide out patient department ( OPD ) benefits including doctor consultation fees , diagnostic tests fees etc so that one can meet their OPD related needs without much worry during this difficult time .
12) Bajaj Allainz Home Care Treatment Benefit
This add on cover helps provide home care treatment benefits including nursing services , doctor visits at home etc so that one can get treated at home itself instead
Advantages of Choosing Bajaj Allianz Health Insurance
There are several advantages to choosing Bajaj Allianz Health Insurance for your family. Perhaps the most obvious is that you can be sure of receiving high quality coverage. Our comprehensive plans include a range of benefits, including:
- Coverage for pre and post hospitalization expenses
- Coverage for day care treatment procedures
- Cashless facility in over 6,000+ network hospitals
- Coverage for organ donor expenses
- Daily cash allowance to cover incidental costs during hospitalization
- Ambulance charges along with other miscellaneous medical expenses
- Zero co-payment for senior citizens (above the age of 60 years)
- Cover for pre and post hospitalization up to 60 days and 90 days respectively
How do I file a claim with an Bajaj Allianz Health Insurance Plan?
Filing a claim with Bajaj Allianz Health Insurance is easy. You can simply contact us or visit any of our branches to get started. Our customer service team is available 24/7 so you can always rely on us for quick and efficient assistance when it comes to filing your claims. In addition, we offer an online portal where you can file your claims quickly and easily in just a few steps.
Moreover, you can also benefit from our cashless facility where you don’t even have to file a claim. Simply present your Bajaj Allianz Health Insurance card at any of the 6,000+ network hospitals across India for hassle-free treatment at minimal costs.
Documents required to File Bajaj Allianz Health Insurance claim
When filing a claim, make sure to submit all the necessary documents. The required documents for filing claims with Bajaj Allianz Health Insurance are:
- Claim form
- Discharge Summary / Medical Report
- Prescription and Bills
- Investigation reports/Test Reports
- Cardiac Catheterization report (if applicable)
- Any other document that may be required to process the claim
How do I buy Bajaj Allianz health insurance plans?
You can buy Bajaj Allianz Health Insurance plans online or offline. For online purchase, simply visit our website and choose the plan that best suits your needs. You can also purchase the plan by visiting any of our branches across India. Our customer service team is available round-the-clock to help you make an informed decision on which policy would be best for you and your family.
We also provide customised health insurance plans along with additional riders such as personal accident cover, critical illness cover, and maternity coverage to ensure that you always have the best protection at all times.
What are the different payment modes accepted for Bajaj Allianz Health Insurance Plans?
You can make payments for your Bajaj Allianz Health Insurance plans through a variety of payment modes. These include:
- Credit/Debit Card payments
- Net Banking
- UPI (Unified Payments Interface)
- Mobile Wallet payments
- Cash/Cheque payments
How to Renew Bajaj Allianz Health Insurance Plan
Renewing your Bajaj Allianz Health Insurance plan is easy and hassle-free. You can either renew the policy online by visiting our website or you can visit any of our branches to get started. To renew your health insurance plan, you will need to submit the renewal application along with the required documents. Our customer service team is available round-the-clock to help you with any queries or concerns that you may have.
We also offer a host of exclusive discounts and offers on our health insurance plans so make sure to take advantage of these when renewing your policy for maximum savings!
FAQs about Bajaj Allianz health insurance
- What is the maximum coverage under Bajaj Allianz Health Insurance Plans?
Answer: The maximum coverage limit depends on the plan that you choose and can range from Rs 10 lakhs to Rs 1 crore or more.
- Is pre-existing disease covered under Bajaj Allianz Health Insurance?
Answer: Yes, Bajaj Allianz Health Insurance plans cover pre-existing diseases after completion of 4 continuous years of policy with us.
- What is the claim settlement ratio for Bajaj Allianz Health Insurance?
Answer: The claim settlement ratio for Bajaj Allianz Health Insurance is 95%, indicating a high rate of successful claim settlements.
- Is there a waiting period for Bajaj Allianz Health Insurance Plans?
Answer: Yes, there is a waiting period of 30 days for all medical expenses incurred except for accidental injuries which are covered immediately. Additionally, some plans also have a 2-year waiting period for pre-existing diseases.
- Are there any co-payments applicable for Bajaj Allianz Health Insurance Plans?
Answer: Yes, most plans require a co-payment of 10%, while senior citizens are exempted from the same. Additionally, some plans may also have higher co-payment depending on the type of treatment and hospital.
