Bajaj Allianz Health Insurance Plans, Benefits, Renewal Policy Online

Bajaj Allianz Health Insurance

A joint venture between Allianz SE and Bajaj Finserv Limited, Bajaj Allianz General Insurance Company Limited is one of the leading insurers in India. The company received the certificate of registration by IRDA in 2001 and has completed over 20 years in the country. It offers a gamut of products and services, amongst which is health insurance. If you are seeking insightful information regarding Bajaj Allianz health insurance, then you are on the right page. Here we will shed some light on Bajaj Alliance health insurance, discuss its myriad plans, reasons to choose Bajaj Allianz health insurance policy and much more!

Why Choose Bajaj Allianz Health Insurance Plans

Bajaj Allianz General Insurance Company Limited is one of India’s most sought-after insurance companies, and the reasons galore. First of all, it boasts a vast network of 8000+ hospitals around the country. Thus, you can conveniently avail cashless settlement facility at the hospital of your choice. Secondly, Bajaj Alliance health insurance plans have a claim settlement time of 60 minutes. This ensures that you and your loved ones get the best treatment, without worrying about hefty medical bills. In addition to that, numerous Bajaj Allianz health insurance policies also come with no-claim bonus so you enjoy a bigger cover when you renew your policy without any claims in the previous year.

Watch this Video to get more information about Bajaj Allianz Health Insurance :

Different Bajaj Allianz Health Insurance Plans

Bajaj Allianz Health Guard Individual Policy

Bajaj Allianz Extra Care Health Plan

Bajaj Health Guard Family Floater Option

Bajaj Allianz Premium Personal Guard Policy

Bajaj Allianz's Silver Health Insurance Plan

Bajaj Allianz's Critical Illness Health Insurance Plan

Bajaj Health Care Supreme Plan

Bajaj Allianz's Offline Health Insurance Plan

Bajaj Allianz's Star Package Health Plan

Bajaj Allianz's Hospital Cash Daily Allowance Plan

Bajaj Allianz Tax Gain Plan

Bajaj Allianz Health Ensure Plan

Women Specific Critical Illness Insurance

Bajaj Personal Guard Accident Health Insurance

Bajaj allianz Health Insurance Plans Covering COVID-19 Variants

We are living in concerning times where medical emergencies, such as COVID-19 infection, can emerge at any point in time. These medical complications are not only a health concern, but also bring financial pressure on individuals and families. But now you can protect your family against COVID-19 and its variants with Bajaj Allianz. The company offers comprehensive coverage for treatment for COVID-19 infection. There is a range of Bajaj Allianz health insurance plans with affordable premiums – covering all treatments and expenses resulting from coronavirus infection. Bajaj Allianz Individual Health Guard, Bajaj Allianz Silver Health Insurance Plan, Bajaj Allianz Family Floater Health Guard, Bajaj Allianz Arogya Sanjeevani Plan, and Bajaj Allianz Corona Kavach Policy are some such plans.

Features of Bajaj Allianz Health Insurance Plans

In Patient Hospitalization - Bajaj Allianz health insurance policies cover medical treatment received at the hospital for any accident, injury or illness.

Pre and Post Hospitalization Expenses - These plans do not just cover the treatment costs, but also other treatment-related expenses incurred during several months before and after the treatment.

Day Care Procedures - As a result of technological advancements, several illnesses can now be treated within 24 hours. Bajaj Allianz health insurance policies take care of expenses for such procedures as well.

Ambulance Charges - These expenses can easily put a big hole in your pocket. But you do not have to worry about ambulance charges with a Bajaj Allianz health insurance plan.

Ayurvedic or Homeopathic Treatments - Various types of alternate therapies are covered by Bajaj Allianz health insurance policies so you can avail the type of treatment you wish.

Organ Donor Expenses - Organ donation can save a life. Bajaj Allianz plays its part in its noble cause by covering the expenses of organ donation medical procedures under most of its plans.

Cover for Maternity Expenses and New-Born Baby - Bajaj Allianz health insurance plans cover maternity charges and offer insurance cover for the new-born baby as well. Please note that this is subject to certain terms and conditions.

Daily Cash Benefit - Treatment fee are not the only expenses that one must bear when a loved one is hospitalized. With Bajaj Allianz health insurance, you can avail cash benefit for accommodation charges for the person accompanying the insured person.

Convalescence Benefits - These health insurance plans also offer an annual benefit payout of INR 5000 in case of continuous hospitalization for 10 days or more.

Bajaj Allianz Health Insurance Tax Benefits

Under Section 80D of the Income Tax Act, 1961, you can avail tax deductions on the premium paid for your health insurance plan. This covers premiums for regular Bajaj Allianz health insurance plans as well as premium for top-ups and critical illness plans. Moreover, you can avail tax deductions on premium paid towards health insurance plan for yourself, spouse, parents, and dependent children. Section 80D deduction of INR 25000, during a financial year, can be availed for premium paid for senior citizens. Hence, if any one or both of your parents are senior citizens, you can avail a tax exemption of INR 50000 in a financial year.

Exclusions of Bajaj Allianz Health Insurance Policies

If you have ever purchased a health insurance policy, then you would already know that there are a few exclusions. These are medical expenses that are not covered under the health insurance plan. Exclusions for Bajaj Allianz health insurance plans are explained in detail below.

Dental Treatment - Much like all other health insurers, Bajaj Allianz also does not cover dental treatments in its health insurance policies. However, these may be covered if they result from cancer or acute traumatic injury.

External Appliances or Devices - Expenses for spectacles, hearing aids, contact lenses, artificial limbs, crutches, artificial teeth, dentures, etc. are all excluded from the coverage of Bajaj Allianz health insurance policies.

War - These health insurance plans do not cover any treatment required due to war.

Self Harm or Intentional Self Injury - Medical expenses for treatment needed for a self-inflicted injury are not covered under Bajaj Allianz’s health insurance plans.

Plastic Surgery - Plastic surgeries or cosmetic surgeries are not covered. However, there is an exception. These may be covered under a health insurance plan if necessary for the treatment of accidental bodily injury, burns, or cancer.

Treatment in a Foreign Country - Lastly, Bajaj Allianz only covers the expenses for treatment you receive within India.

Documents Required to Purchase a Bajaj Allianz Health Insurance Plan

Passport sized photographs

Policy proposal form

Residential proof - Any of the following documents can be submitted as a residential proof:

Voter’s ID

Driving license

Aadhaar card

Passport

Electricity bill

Ration card

Age proof: Any of the following documents can be used as your age proof:

Passport

Driving license

Birth certificate

Aadhaar card

Voter’s ID

PAN card

10th and 12th class mark sheet

Identity Proof: Any of the following documents can be submitted as an identity proof:

Aadhaar card

PAN card

Driving license

Passport

Voter’s ID

Please note that based on the insurance plan, insured person’s age, medical history, residential address, lifestyle choices, etc. a few more documents may be requested by Bajaj Allianz General Insurance Company.

Frequently Asked Questions about Bajaj Allianz Health Insurance Plans

Q. Can I buy more than one Bajaj Allianz heath insurance policies?

Yes, you can buy multiple Bajaj Allianz health insurance plans. However, managing multiple insurance plans can get cumbersome. Thus, it is often recommended to purchase one health insurance plan with high sum insured than having multiple policies with low sum insured.

Q. How do I check Bajaj Allianz health insurance policy status?

You can conveniently check Bajaj Allianz health insurance policy status online. You can visit the insurer’s website and log in using your ID and password and punch in the policy number to check the status. Apart from this, you can also download the Bajaj Allianz app and check the status.

Q. How do I renew Bajaj Allianz health insurance online?

The process is quite straightforward. Visit Bajaj Allianz’s online portal and log in using your ID and password. Then, select the insurance policy that you wish to renew. After you make the payment, the insurance policy is renew for the selected period. Numerous payment options, such as debit card, credit card, net banking, etc., are available for the convenience of customers.

Q. How do I change details in the health insurance policy documents?

You can get in touch with Bajaj Allianz health insurance customer care. They will help you make changes to details in the policy documents.

Q. Should I look for a Bajaj Allianz health insurance office near me or purchase the policy online?

Purchasing health insurance online is an easy way to save time. You can learn all the details about the policy and only pay premium once you are completely satisfied.

Q. What is a ‘Free look Period’ for Bajaj Allianz health insurance plans?

Indian health insurance companies offer a 15-day period for customers to analyze their health insurance plan. They can cancel the policy any time during this free look period if they are not fully content with the policy and its inclusions. It is worthwhile noting that no cancellation fee is charged in case you opt to cancel the policy.