Group Health Insurance

Bajaj Allianz

Health Insurance

Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited owned by the Bajaj Group of India and Allianz SE, a German financial services company. The company has around 12,779.77 crores of underwritten premium for the year 2019-20. The TPAs associated with the company are

Claim Ratio
93.4
Solvency Ratio
Solvency Ratio
7.5
Network Hospital List
Network Hospital List
6500.00
Bajaj Allianz

Features and Benefits of Bajaj Allianz

Group Health Insurance

The major benefits that you receive while opting for Bajaj Allianz Health Insurance are

Medical check-ups are covered Medical check ups are provided to the customers annually or bi annually depending upon the policy chosen. The list of medical check-ups covered are Blood sugar tests, Blood count, Urine tests, Cholesterol tests and ECG tests.

Organ donor expenses The expenses incurred by an organ donor is covered here. The medical expenses covered are Compatibility tests, Pre-hospitalization expenses, Hospitalization charges, Organ transplantation surgery, Post-surgery care and recovery expenses and Post-hospitalization expenses.

Maternity Benefits Maternity benefits in Health Insurance Plans is an additional provision  designed to cover the expenses of childbirth and medical care of a mother and her newborn baby. It covers from pre-hospitalization charges to vaccination charges of the newborn.

Daycare procedures coverage The day care procedures that require less than 24 hours of hospitalization like ear operation, nasal surgery, Orthopedic procedures, Optical surgery, Chemotherapy and other Oncological procedures that don’t require hospitalization, Dialysis etc are covered.

Tax benefits The health insurance policy not only protects you from medical emergencies, but also offers certain tax benefits. Under the income tax act of 1961, Section 80D. According to this an individual can avail tax benefits if he/she is paying health insurance premiums for self, spouse, dependent parents or children.

Bajaj Allianz Health Insurance Plans

Health Guard-Silver

Under the silver plan, there are two options of insuring a sum of 1.5 lakhs or 2 lakhs. This plan covers In-patient hospitalization for accidental body injury or illness and room rent and Boarding expenses for this plan is Up to 1% of sum Insured per day. Road ambulance charge is also covered with this plan. Organ donor expenses and bariatric surgery cover are other benefits covered under this plan.

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Health Guard-Gold

Under the health guard gold plan, there are around 13 options of sum insured available that starts from 3 lakhs and goes upto 50 lakhs. For In-patient hospitalization under this plan when the sum Insured is 3 lakhs to 7.5 lakhs the maximum eligible room is a single private air conditioned room. When the sum insured is 10 lakhs and above, one is eligible for any room category. Along with road ambulance, organ donor expenses and bariatric surgery cover, ayurvedic & homeopathic expenses are also included.

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Health Guard-Platinum

The sum insured for platinum plan starts from 5 lakhs and goes upto 1 crore. The plan covers In-patient hospitalization under any room category. It covers road ambulance, organ donor expenses, bariatric surgery, ayurvedic & homeopathic expenses. Super cumulative bonus is available exclusively for platinum members. Under this when the plan is renewed every year and no claims are made in the preceding year the limit of Indemnity increases by 50% of base Sum Insured per annum for the first 2 years and later increases by 10% of base Sum Insured per annum for next 5 years.

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Health Care Supreme - Vital Plan

Under this plan the entire cost of treatment upto the sum insured is covered by the insurer. This policy has zero restrictions about room rent, hence you can pick any room you want during hospitalization. The waiting period is only 2 years in the case of any pre-existing diseases. The pre and post hospitalization expenses are covered here. Day care treatments, maternity health insurance, alternative medicines like ayurveda and homeopathy are also covered. Additionally, free health care check-ups are provided every year.

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Health Care Supreme - Smart Plan

This plan has no co-payment, hence the insurer pays the bill of the treatments upto the sum insured. The plan doesn't impose disease wise sub-limits. A duration of 60 days pre-hospitalization and 90 days post-hospitalization, including the cost of medication is covered here. It has 100% of cover restoration in the same year. Free health check-ups, day care treatments, short waiting periods for pre-existing diseases are some of the other perks in this plan.

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Health Care Supreme - Ultimo Plan

A fairly expensive policy that has no copayment and no room rent limit letting you have a room of your choice. Covers alternative medicines like Ayurveda and Homeopathy too. Also provide free health check-ups each year and free doctor consultations upto Rs.17,500 annually. It has a short waiting period of 2 years to cover any pre-existing diseases. It also covers pre and post hospitalization charges including the cost of medication.

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Silver Health Plan

The silver health plan covers individuals who are above 46 years. The waiting period for pre-existing diseases like diabetes is one year. There is no room rent limit in case of hospitalization. For each claim free year the sum insured increases by 10%. Day care treatments that require less than 24 hours of hospitalization like dialysis, chemotherapy is also covered.

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FAQ's

How to cancel Bajaj Allianz health insurance?

If one has to cancel / surrender the policy after the free look period. Then

  • Visit the nearest Bajaj Allianz branch office
  • Submit a policy surrender form, policy bond, self attested copy of your ID proof and a bank statement.
  • The process will be completed in 7 to 8 days.

How to renew Bajaj Allianz Health insurance online?

  • Log on to the insurer's e-portal with the username and password.
  • Choose the policy to be renewed and fill in the details.
  • Choose the mode of payment and pay the renewal fee.
  • Save the receipt for future use.

What is the Bajaj Allianz Health insurance customer care number?

The toll free number is 1800-103-5858, and 24*7 assistance is provided. Whatsapp services are provided in +917507245858.

Who is a TPA?

A Third Party Administrator commonly referred to as TPA is a specialized health care provider approved by the IRDAI (Insurance Development Authority of India). They provide the insurance company with services like networking with hospitals, arranging for cashless hospitalization and claims processing & timely settlement.

What is the number of claims allowed in a year?

Any number of claims upto the sum insured can be claimed in a year.

Is health insurance and life insurance the same?

No, in life insurance the dependents are protected from any financial loss that may arise in the event of  the death of the insurer. The payout is made only post the death of the person insured or after the maturity of the policy. Whereas, in a Health Insurance  one is protected against illness/diseases by covering the expenses you might incur for treatment, diagnosis etc during hospitalization. There is no payout made at maturity and needs to be renewed annually.

What is the policy duration?

Health insurance policies are issued for a period of 1 year only. At the end of one year one has to renew the policy.

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