Bajaj Allianz Health Insurance FAQs

Bajaj Allianz Health Insurance

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Highlights

Network Hospitals6,500+
Policies Sold5,31,046
Lifelong RenewabilityLifelong
Claim Settlement Ratio93.68%
COVID-19 CoverYes
Claim SettlementDedicated Team

Claim Settlement

  • In how many days you need to file a claim with Bajaj Allianz Health Insurance?

    The policyholders need to submit the claim form along with the documents for the reimbursement of the claim within 15 days from the discharge date of discharge from the hospital.

  • Is there any limit for the number of claims that can be made in a year?

    The policyholders can make as many claims as possible in a year, but the total amount of claim can’t exceed the sum insured under the plan.

  • Where can I submit the documents of my claim?

    The policyholders need to submit the documents of the claim at the nearest branch of Bajaj Allianz Health Insurance.

  • In how much time Bajaj Allianz Health Insurance settles the claim?

    Bajaj Allianz Health Insurance generally settles the claim, if not rejected, within 7 working days of the receipt of the last necessary document, but will not take more than 30 days.

  • What is the claim settlement ratio of Bajaj Allianz Health Insurance for the financial year 2017-18?

    The claim settlement ratio of Bajaj Allianz Health Insurance for the FY 2017-18 is 93.95%.

Critical Illness

  • How many critical illnesses are covered under the critical illness plan of Bajaj Allianz?

    Bajaj Allianz provides the coverage for 10 critical illnesses under its critical illness plan.

  • Does Bajaj Allianz provide the lifetime renewal facility under its critical illness plan?

    Yes, Bajaj Allianz offers the lifetime renewal option for its critical illness policy.

  • Does Bajaj Allianz give a lump sum amount to insured individuals under the critical illness plan?

    Yes, a lump sum amount is offered by Bajaj Allianz health insurance to its policyholders after being diagnosed with a critical illness.

  • What diseases are covered under the Bajaj Allianz Critical Illness health insurance policy?

    The illnesses covered under Bajaj Allianz Critical Illness Plan are Cancer, Stroke, Kidney Failure, Aorta Graft Surgery, Major Organ Transplant, Permanent Paralysis of Limbs, Coronary Artery Bypass Surgery, Primary Pulmonary Arterial Hypertension, First Heart Attack (Myocardial Infarction) and Multiple Sclerosis with Persisting Symptoms.

Dengue

  • Is dengue plan of Bajaj Allianz an individual or floater policy?

    The dengue plan can be availed on both, individual and floater sum insured basis.

  • Who can be covered under dengue plan of Bajaj Allianz?

    Self, spouse, dependent children and dependent parents can be covered under dengue plan.

  • What are the diseases covered under dengue plan?

    Various diseases such as Dengue Fever, Malaria, Kala Azar, Zika Virus, Filariasis, Chikungunya, Japanese Encephalitis covered under the dengue plan.

  • What is the eligibility for buying a dengue plan?

    The minimum entry age for the plan is 18 years, the maximum entry age is 65 years.

Family Floater

  • Is there any discount available for purchasing the family floater policy?

    Yes, there exists a long term policy discount of 4% for 2 years and of 8% for 3 years on the purchase of a family floater plan.

  • Does the plan cover maternity and newborn expenses? If yes, what is the waiting period for it?

    Yes, the plan covers the expenses of maternity and newborn expenses with a waiting period of 6 years. 

  • Who can be covered under the Bajaj Allianz family floater policy?

    Under the Bajaj Allianz family floater health insurance policy, one can cover self, spouse and up to 4 dependent children. For parents/in-laws, a separate health insurance policy can be purchased.

     

  • How much tax benefits I can gain on having a family floater plan?

    If you have a family floater policy by Bajaj Allianz, you can do tax saving up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) under Section 80D of Income Tax Act.

  • Does Bajaj Allianz family floater provide the coverage for non-allopathic treatments?

    Yes, it offers Ayurvedic and Homeopathic hospitalisation cover to policyholders.

Feature

  • What are the benefits provided by Bajaj Allianz Health Insurance?

    People choose Bajaj Allianz health insurance because it provides them: 1. Cashless treatment at 6,000+ network hospitals 2. Tax saving benefit under Sec 80D 3. Claim settlement in an hour (terms and conditions applied) 4. In-house health administration team

General Information

  • What is the toll-free customer care number of Bajaj Allianz Health Insurance?

    The toll-free number of Bajaj Allianz Health Insurance is 1800-209-5858.

  • What is the address of Bajaj Allianz Health Insurance?

    The correspondence address of Bajaj Allianz Health Insurance is-GE Plaza 1st Floor, Airport Road, Yerawada, Pune 411006.

  • What are the health insurance plans available with Bajaj Allianz?

    Health insurance plans available with Bajaj Allianz are- 1.Health insurance plans for Individuals 2.Health insurance for Family 3.Global Personal Guard 4.Critical Illness Plans 5.Extra Care Plus 6.M-Care

  • What are the documents required to buy Bajaj Allianz Health Insurance policy?

    Here's a list of documents that you may have to keep ready: 1. Age proof: Copy of voter ID, driving license, passport, Aadhaar card, birth certificate, school leaving certificate, etc. 2. Address proof: Copy of latest utility bill (electricity, mobile, landline, gas), passport, ration card, Aadhaar card, etc. 3. ID Proof: PAN card, Aadhaar card, Passport, Driving License, Voter ID, etc. 4. Photos: 3 passport-size photos. 5. Medical reports: If you are over a certain age, you may need to undergo a medical check-up before a policy is issued to you.

Help to Buy

  • How to buy and apply for Bajaj Allianz Health policy?

    You can buy and apply for any Bajaj Allianz Health Insurance Policy online from the official website of Bajaj Allianz Health Insurance at www.bajajallianz.com or through online broker’s website like insurancedekho.com.

  • Why should I buy a Bajaj Allianz Health Insurance Policy?

    Bajaj Allianz provides a wide range of features and benefits to its customers. Some of them are- 1. Peace of mind: It keeps your family financially protected against unforeseen health care expenses. 2. Get the best medical care: The health insurance plans enable you to get treatment from the best hospitals and doctors. 3. Cashless settlement: You can get cashless treatment at any of the network hospital after informing the company. 4. Hassle-free claims: Bajaj Allianz has a hassle-free claim process. You can benefit from the following: a. 24x7 on-call support. b. An in-house Health Administration Team to ensure quick claim settlement process. c. Cashless settlements in under one hour. d. One of the highest claims settlement ratios among health insurance providers in India. e. Health CDC benefit: Quick claim settlement through the app. 5. Comprehensive coverage: Affordable health insurance policies that cover you and your family against medical expenses, critical illnesses and accidents. 6. Affordable plans: Maximum coverage at a price that is easy on the pocket. 7. Preventive care: Free medical check-ups once every three claim-free years. 8. Ease of transaction: Buy or renew your policy in just a few clicks online.

Individual

  • What is the sum insured amount of individual health insurance plan offered by Bajaj Allianz?

    Bajaj Allianz individual health insurance plan provides sum insured options ranging from Rs. 1.5 Lakh up to Rs. 50 Lakh.

  • Does Bajaj Allianz individual health plan provide the coverage for daycare treatments and procedures?

    Yes, Bajaj Allianz individual health plan covers the expenses for all sort of daycare treatments.

  • Why should I Invest in Bajaj Allianz Individual Health Insurance Policy?

    Under the individual health insurance plan of Bajaj Allianz, you can earn several benefits of the health policy. The plan for individuals cover all the key aspects like pre and post hospitalisation, room rent, doctor fees, ambulance charges and so on. This is to safeguard you from suffering any financial crisis during a medical emergency. 

  • What is the policy term for individual health insurance plans?

    The Bajaj Allianz individual plans offer policy term options of 1, 2 and 3 years. 

  • Does individual health insurance cover pre and post-hospitalisation?

    Yes, the policy provides the coverage for the expenses related to pre and post hospitalisation, which might have occurred either 60 days before to hospitalisation or 90 days post hospitalisation.

Maternity

  • Do I need to go through any pre-medical test to enroll in maternity coverage plan?

     Yes, pre-medical tests are required only for the persons above the age of 45 years.

  • Is health check-up offered under the maternity-based health insurance policy?

    Yes, free preventive health checkup every 3 years, irrespective of a claim, is provided by the maternity-based health insurance policy.

  • Does Bajaj Allianz maternity plan come with the newborn cover feature?

    Maternity and newborn baby expenses cover which makes this a very useful plan for young couples.

     

  • Is there any coverage offered pertaining to the cost incurred on the recovery of the policyholder?

    Under the plan, convalescence benefits up to Rs. 7500/- per year is given.

Plan Coverage

  • What is covered under hospitalisation in Bajaj Allianz Health Insurance?

    Following things are covered under hospitalisation in Bajaj Allianz Health Insurance: 1. Room rent 2. Doctor’s fee 3. Nursing expenses 4. ICU charges 5. Operation theatre 6. Diagnostics 7. Medicines

  • What all is not covered under Bajaj Allianz Health Insurance?

    A health insurance policy does not mean blanket coverage of all medical treatment that you undergo. Every policy comes with some exclusions. The most common exclusions include: 1. Pre-existing diseases or conditions 2. Alternative therapies 3. Dental and cosmetic surgeries and treatments 4. Self-inflicted injuries or those sustained during dangerous sports 5. Waiting period 6. Other exclusions include injuries sustained during the war, HIV-related treatment, congenital diseases, etc.

  • What expenses are covered under Bajaj Allianz health insurance plans?

    Most health insurance cover the costs of hospitalisation. A few plans also include pre and post-hospitalisation expenses.

Portability

  • Does Bajaj Allianz provide the portability option?

    Yes, the option of portability is available for Bajaj Allianz Health Insurance.

  • What are the specific documents needed for portability in Bajaj Allianz Health Insurance?

    Here are the basic documents required for portability in Bajaj Allianz Health Insurance:

    • Portability form
    • Plan’s proposal form
    • Copy of renewal notice
    • Copy of expiring health insurance policy

  • Is there any parameter related to Bajaj Allianz Health Insurance to be eligible for portability?

    The entry age for the portability process depends on the terms and conditions of the Bajaj Allianz Health Insurance.

  • When can I apply for the portability in Bajaj Allianz Health Insurance?

    The policyholder can utilize the option of portability at the time of policy renewal.

Premium

  • How can I make payment of my premium for Bajaj Allianz policy?

    You can pay the premium of Bajaj Allianz plans either in cash or through online.

  • Will I get a payment acknowledgment from Bajaj Allianz health insurance on making the payment of premium?

    Yes, on paying the premium amount you will get the payment acknowledgment from Bajaj Allianz health insurance.

  • Can I receive a duplicate copy of the receipt of the premium from Bajaj Allianz?

    Yes, Bajaj Allianz health insurance gives the duplicate copy of the premium receipt.

  • What is the advantage of having the premium receipt given by Bajaj Allianz health insurance?

    The ‘premium receipt' shows the record of the premium amount, which is being paid by you for the plan. You can utilize it as the proof of investment for earning the tax benefits.

Senior Citizen

  • Is there any pre-medical test required to enter the policy covering senior citizens?

    Yes, pre-policy medical tests are required for people above the age of 55 years.

  • Can I save tax on the premium paid for Bajaj Allianz Senior Citizen covering plan?

    Yes. The premium paid for Bajaj Allianz Senior Citizen covering plan is exempt of tax as per the section 80D under the IT act.

  • Are day care treatments covered under this policy?

    Yes, Bajaj Allianz senior citizen coverage plan offers all the daycare treatments.

  • What is the waiting period for pre-existing treatment under senior citizen coverage plan?

    Under Bajaj Allianz senior citizen coverage plan, the pre-existing diseases are covered after 12 months.

  • How much coverage is offered for pre and post hospitalisation expenses?

    Under the senior citizen coverage plan, pre and post hospitalisation expenses that occur 60 days prior to a hospitalisation or 90 days after hospitalisation.

Bajaj Allianz Health Insurance Plan List

Name of PlanSum Insured
Health Guard Family FloaterMin: 3 Months; Max: 65 Years1.5 Lakh Get Quotes Now
Critical Illness PlanMin: 6 Years; Max: 65 Years 1 Lakh Get Quotes Now
Health Guard IndividualMin: 18 years; Max: 65 years1.5 Lakh Get Quotes Now
Silver HealthMin: 46 Years; Max: 70 Years50 Thousand Get Quotes Now
M-Care Min: No Limit; Max: 65 Years10 Thousand Get Quotes Now
Women Specific Critical Illness InsuranceMin: 21 Years; Max: 65 Years50 Thousand Get Quotes Now
Premium Personal GuardMin: 5 Years; Max: 65 Years10 Lakh Get Quotes Now
Health Care SupremeMin: 3 Months; Max: No Limit5 Lakh Get Quotes Now
Health EnsureMin: 3 Months; Max: No Limit50 Thousand Get Quotes Now
Hospital Cash Daily AllowanceMin: 3 Months; Max: 65 Years500/day Get Quotes Now
Surgical Protection PlanMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
Tax GainMin: 18 Years; Max: 75 Years1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now

Bajaj Allianz Health Insurance Top Up List

Name of PlanSum Insured
Extra Care Min: 3 Months; Max: 70 Years10 Lakh Get Quotes Now
Extra Care PlusMin: 3 Months; Max: 80 Years3 Lakh Get Quotes Now

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Bajaj Allianz Health Insurance User Reviews

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