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Bajaj Allianz Health Insurance Plans

Bajaj Allianz Insurance Company

Bajaj Allianz is a combined company established between Bajaj Finserv Limited and the European financial company services Allianz SE. This insurance company offers several insurance policies for financial planning and security.

The technical experience and expertise of Allianz SE combined with the market expertise of Bajaj has created great insurance products in India.

Key Advantages and Features

Bajaj Allianz General Insurance Company Limited is one of the most trusted and renowned insurance companies in India. Bajaj Finserv Limited and Allianz SE are two reputed firms which have created a strong reputation for professional business practices, stability, domain expertise and foresight.

In a very short period of time, Bajaj Allianz Life Insurance has become an active competition in the health insurance sector in India. It is already a market leader in bajaj allianz health insurance has a great fan following and lot of loyal customers. Its wide network of hospitals all over India and huge customer database add to its advantage.

Bajaj Allianz Health Insurance Plans and Benefits

Health Guard Individual Policy: It is a comprehensive health insurance policy available for both individuals and families.

Entry Age: 18 to 65 years For Children: 3-25 years
Basis: Individual and Family floater
Cashless hospitalization: A network of over 3700 hospitals all over India
Policy Period: 1 year
Sum Assured: Rs. 1.5 lakhs to Rs. 10 lakhs
Discounts: 10%
Cumulative bonus: 10% for each claimless year maximum up to 50% of insured sum
Day Care Procedures: 130 days covered
Ambulance charges: In emergency cases, Rs.1000.
Income tax benefit: Under Section 80D of the Income Tax Act
Free Look Period: 15 days
Grace period: 30 days
Renewal:

Surgical Protection Plan

Sum insured: Rs.1 lakh- 10 lakh
Cashless hospitalization: A network of over 3700 hospitals all over India
Complete coverage: More than 600 surgeries with a guaranteed benefit amount
Free Look Period: 15 days
Income tax benefit: Section 80D of the Income Tax Act
Medical test: Not compulsory for people under the age of 45 years.

Additional covers:

  • Hospital Cash Daily Allowance
  • 24 hours hospitalization Rs.1500 is allocated every day
  • Maximum period 30 days
  • In case of admission in ICU, The benefit payable would be double, i.e., Rs.3000/day, ax for 15 days

Exclusions

  • Suicide or attempted suicide related illness and injuries.
  • Injury caused due to the influence of alcohol or drugs.
  • Injury caused due to some anti-social or criminal activity.
  • Injury caused due to participation in some dangerous sports.
  • Curative operations and surgeries performed on your body.
  • AIDs or any other sexually transmitted diseases.
  • Pregnancy, childbirth, miscarriage, abortion and any such complications.
  • Injury caused due to wartime conditions, nuclear energy or radiations

Critical Illness

Comprehensive cover: Rs.1 lakh- 10 lakh
Survival Period: 30 days
Coverage Limit: Rs.1 Lakh
Sum insured: Covers 100% up to Rs.500000.
Compensation: 125% of basic sum insured adding up to Rs.625000

Benefits for Children:

  • For up to two dependent children
  • Children Education benefit up to Rs.5000
  • Transportation benefits: Up to Rs.5000.

Exclusions

  • Suicide or attempted suicide related illness and injuries.
  • Injury caused due to the influence of alcohol or drugs.
  • Injury caused due to some anti-social or criminal activity.
  • Injury caused due to participation in some dangerous sports.
  • Curative operations and surgeries performed on your body.

Premium Personal Guard Plan

This is a very comprehensive bajaj allianz health insurance plan which provides cover against any physical injury or death caused by accident. It covers a large sum starting from Rs.10 to Rs. 25 lakh.

Cashless hospitalization

A network of 3700 hospitals all over India

Entry Age

  • 18 years to 65 years
  • For Children 5-21 years

Medical test

Not compulsory for people under the age of 45 years.

Free Look Period

15 days

Cumulative bonus

  • 10% for each claimless year
  • maximum up to 50% of basic sum insured

Income tax benefit

As per Section 80D of the Income Tax Act

Renewal

Lifetime

Exclusions:

  • Suicide or attempted suicide related illness and injuries.
  • Injury caused due to the influence of alcohol or drugs.
  • Injury caused due to some anti-social or criminal activity.
  • Injury caused due to participation in some dangerous sports.
  • Curative operations and surgeries performed on your body.
  • AIDs or any other sexually transmitted diseases.
  • Pregnancy, childbirth, miscarriage, abortion and any such complications.
  • Injury caused due to wartime conditions, nuclear energy or radiations

Extra Care Plan

This bajaj allianz health insurance policy allows the policyholder to extend their current health insurance plan. It provides you compensation in special cases when there is a prolonged hospitalization.

Cashless hospitalization A network of 3700 hospitals all over India
Entry Age 3 months to 70 years
Renewal Lifetime
Pre and post hospitalization expenses 60 days prior to and 90 days after hospitalization
Premium Charges Starting at Rs. 2500
Medical test Not compulsory for people under the age of 55 years.
Free Look Period 15 days
Grace period 30 days for every subsequent instance of policy renewal

Exclusions

  • Aesthetic, Cosmetic, or related treatments, treatments for the use of addictive or intoxicating substances like drugs, alcohol, etc. are not covered.
  • Joint replacement surgery which is not caused by an accident is covered after a four-year waiting period.
  • Fertility operations, impotence related operations, assisted conception operations and sterilization operations are not covered.
  • All pre-existing conditions covered after a waiting period of 4 years.
  • Any disease or injury incurred within 30 days from the beginning of the policy.
  • All non-allopathic treatments and medicine

Critical Illness Plan

It provides you insurance against all critical illnesses. It keeps you prepared for any uncertain and unexpected medical eventualities.

Entry Age

6 years to 65 years

Basic Sum Insured

  • Rs. 100000/- to Rs. 5000000/- for 6 years. to 60 years age group
  • Rs. 100000/- to Rs. 500000/- for 61 years. to 65 years age group

Critical Illnesses Covered

  • Coronary Artery Bypass Surgery
  • Cancer
  • Kidney Failure
  • First Heart Attack
  • Stroke
  • Major Organ Transplant
  • Primary Pulmonary Arterial Hypertension
  • Aorta Graft Surgery
  • Multiple Sclerosis
  • Indications of chief pulmonary hypertension
  • Limb Paralysis

Exclusions

  • Suicide or attempted suicide related illness and injuries.
  • Injury caused due to the influence of alcohol or drugs.
  • Injury caused due to some anti-social or criminal activity.
  • Injury caused due to participation in some dangerous sports.
  • Curative operations and surgeries performed on your body.
  • AIDs or any other sexually transmitted diseases.
  • Pregnancy, childbirth, miscarriage, abortion and any such complications.
  • Injury caused due to wartime conditions, nuclear energy or radiations

Silver Health Plan for Senior Citizens

This bajaj allianz health insurance plan is made especially for senior citizens. It gives the policyholder an opportunity to opt for a 20% co-pay plan or a cashless plan.

Entry Age : 46 years - 70 years

Renewal : Lifetime

Day care procedures : 130 days covered

Waiting period : 2 years

Inclusions : Pre and post hospitalization charges

Bajaj Allianz Tax Gain Plan

Bajaj Allianz Tax Gain Plan is a beneficial plan by Bajaj Allianz Health Insurance which gives policyholders an opportunity to save tax and also gain OPD benefits. It is a family floater health insurance policy. It provides coverage for both hospitalization costs and outpatient (OPD) costs.

Entry Age

  • 56 years -75 years for Senior citizens
  • Renewable up to 75 years.
  • 18 years – 55 years Renewable up to 55 years.

Basis : Family floater

Inclusions : Pre and post hospitalization charges, OPD charges

Tax benefit : under section 80 D of IT Act

Free Health Check-up : Available for four claim free policy periods

Renewal Policy : All pre-existing conditions and diseases will be covered under this scheme after a four-year waiting period.

Cashless facility

  • Available in 5000 hospitals all over the country.
  • Ambulance charges : Up to Rs. 1000/-