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Bajaj Allianz Health Insurance
Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE, German financial services company.
The company has a wide range of 6500+ network hospitals and a robust claim settlement ratio of 98%. Bajaj Allianz has an established prominent name in the Indian insurance sector over the years.
It offers a wide range of healthcare products ranging from women-specific health plans, critical care plans to accidental plans.
Bajaj Allianz is the first company in India to introduce the system of cashless facilities. The company strives to offer lucrative plans to its customers at an affordable price.
In this article, we will discuss the following:
- Bajaj Allianz Health Insurance Plans
- Why choose Bajaj Allianz Health Insurance?
- Benefits of Bajaj Allianz Health Insurance
- Awards Received
- How to buy a Bajaj Allianz Plan?
- Bajaj Allianz Health Insurance Renewal
- Bajaj Allianz Health Insurance Claim Process
Important Facts
Network hospitals | 6400+ |
Renewability | Lifelong |
Claim settlement ratio | 98% |
Official website | www.bajajallianz.com |
Email ID | bagichelp@bajajallianz.co.in |
Customer care | 1800-103-5858, 75072 45858 |
Bajaj Allianz Health Insurance Plans
| Plan name | About the plan |
|---|---|
| Bajaj Allianz Health Guard Individual Policy | This is an individual healthcare policy that looks after the medical expenses of the insured. It is available in three different variants Silver, Gold, and Platinum. |
| Bajaj Health Guard Family Floater Policy | This is a family floater policy where you can cover all the members of your family in a single policy. You can choose to cover yourself, your spouse, dependant children, and your parents. |
| Bajaj Allianz Critical Illness Health Insurance Plan | This plan is specially designed to protect against 10 major life-threatening illnesses and conditions such as cancer, heart attack, stroke, etc. |
| Bajaj Allianz Critical Illness For Women Plan | This plan is designed for women, to protect against 8 types of specific critical conditions such as vaginal cancer, breast cancer, ovarian cancer, etc. |
| Bajaj Allianz Silver Health Plan for Senior Citizens | As the name suggests, this plan covers the basic and essential healthcare-related expenses of senior citizens. It covers individuals up to the age of 70 years. |
| Bajaj Allianz Health Infinity Plan | This health policy has no sum insured limit. It is an ideal plan that will provide more than sufficient coverage to meet all your medical requirements. |
| Bajaj Allianz Extra Care Plus Policy | It is a top-up policy, which will come into force once the policyholder exhausts the sum insured limit of their initial base policy. |
| Bajaj Allianz Premium Personal Guard Policy | This policy is designed to protect you and your family members against all hospitalization expenses incurred due to an accident. |
| Bajaj Allianz MCare Health Insurance | This plan is crafted to protect the policyholder against 7 deadly vector-borne diseases like malaria, dengue fever, chikungunya, and so on. |
| Bajaj Allianz Arogya Sanjeevani Policy | It is a standard healthcare policy that is designed to cover the hospitalization expenses arising out of any illness, sickness, or injury. Sum insured options available up to Rs 5 Lakh. |
| Bajaj Allianz Health Care Supreme Plan | This plan offers comprehensive coverage against hospitalization expenses. It is available on an individual or family floater basis. |
| Bajaj Allianz Star Package Plan | This is a family floater plan that covers you and your loved ones against all medical emergencies. |
| Bajaja Allianz Health Ensure Plan | This plan is designed to cover a broad spectrum of medical contingencies. There is no age limit to avail of this policy. |
| Bajaj Allianz Tax Gain Plan | It is a family floater plan that covers the hospitalization expenses and outpatient treatments, while offering multiple tax benefits. |
| Bajaj Allianz Global Personal Guard Plan | This is an international accident insurance policy that offers worldwide coverage against accidents or any disablement anywhere in the world. |
| Bajaj Allianz Hospital Cash Plan | This is a cash benefit plan that provides daily cash allowance to the insured during their hospital stay. It is an ideal plan to cover miscellaneous expenses like attendant fees, travel costs, etc. |
Awards Received
Here are a few awards and recognitions won by the company:
- “Most trusted brand” award from Herald Global Group” & BARC Asia “India’s Leading General Insurance Company 2019-Private’’ by Dun & Bradstreet.
- ‘’Best Customer Service Provider of the Year’’ and ‘’The General Insurance Company of the Year’’ awards.
- “Non-Life Insurer of the Year’’ award at Outlook Money Awards 2017.
Why should you go with Bajaj Allianz Health Insurance?
Network Hospitals
The company has more than 6000+ network hospitals across the nation, giving one access to best quality medical treatments without worrying to have to pay the bill from their pocket.
Customer Support
The insurer provides 24/7 assistance to its customers. Bajaj Allianz’s customer team is efficient in bringing out quick resolutions in matters of claims, renewals, or any insurance-related queries.
High Sum Insured
The company offers multiple health plans with high coverage at an affordable premium, ideal to financially safeguard you and your family members against the rising cost of medical inflation.
Claim Settlement Ratio
Bajaj Allianz has a staggering record when it comes to claims settlement. The company has a high claim settlement ratio of 98%.
In House Claim Settlement
There is no third-party administrator involved in settling claims. The company has a direct in-house claim settlement team resulting in a quicker claim process.
Claim Settlement within 1 Hour
Bajaj Allianz claims to settle health claims within one hour of its request. The company aims to process all genuine claims as soon as possible for the satisfaction of its customers.
Benefits of Bajaj Allianz Health Insurance
Below listed are a few benefits of Bajaj Allianz Health Insurance that you may want to consider when purchasing a health insurance plan.
Extensive Coverage
Health plans offered by Bajaj Allianz provide extensive coverage protecting the insured individual and his family members against all healthcare contingencies.
Affordable
The insurer offers high sum insured at an affordable premium.
Free Health Checkup
Multiple plans offered by the company provide the benefit of a free health check-up after the completion of the policy period.
Cumulative Bonus
Multiple health plans offered by Star Health Insurance come with the benefit of a cumulative bonus, which increases your sum insured as a reward during your claim-free years.
Automatic Sum Restoration
Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.
Tax Benefit
You can avail of numerous tax benefits on your premium paid towards health plans under Section 80D of the income tax act,1961.
Daily Cash Benefit
The company provides the benefit of daily cash allowance during the hospital stay which assists the policyholder to pay numerous miscellaneous expenses that are not covered in a general policy.
Bajaj Allianz Health Insurance Renewal
Follow these simple and easy steps provided to renew your Bajaj Allianz health insurance plans.
Online
Step 1: Visit the official website of the company i.e www.bajajallianz.com
Step 2: Click on the “ Renew” option on the home page and select the category of insurance policy you wish to renew.
Step 3: Select your health insurance plan and click on “Renew” now.
Step 4: Enter your existing policy number and date of birth to view the premium details.
Step 5: Verify your premium amount and make the payment online.
Step 6: once you make the payment you will receive a confirmatory email on your registered email address along with a premium payment receipt.
Offline
You can also renew their Bajaj Allianz health policy by visiting the nearest branch.
You can also connect with the insurer’s customer care team at their tollfree number: 1800-209-0144 | 1800-209-5858 and state your policy renewal request.
Bajaj Allianz Health Insurance claim process
Cashless claim
One can file for cashless claim when admitted to the network hospitals of the company. Follow these simple steps provided by us to file for a cashless claim with Bajaj Allianz.
Step 1: Inform the company 48 hours in advance in case of a planned hospitalization and within 24 hours in event of emergency hospitalization. You can inform the insurer at their tollfree number: 1800-209-0144, 1800-209-5858 and also write to them at bagichelp@bajajallianz.co.in
Step 2: Show your Bajaj Allianz health card and photo identification proofs for further verification at the insurance/TPA desk at the hospital.
Step 3: Duly fill and sign the pre-authorization form available on the company’s website and submit it to the helpdesk. The hospital will verify your details and send your claim request to the company.
Step 4: Bajaj Allianz will verify the claim with the terms and benefits of the policy and will approve it accordingly.
Step 5: Once your claim is approved, the company will directly settle the bill with the hospital.
Note: In case of claim rejection, the company will state the reason for the same in writing.
Reimbursement Claim
One can file for reimbursement claim when admitted to any of the non-network hospitals of the company. The policyholder will have to initially pay the hospital bill from their pocket and then can apply for a refund from the insurer.
Follow these simple steps to file for reimbursement claim with Bajaj Allianz.
Step 1: Inform the company 48 hours in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the insurer on their tollfree number: 1800-209-0144,1800-209-5858 or can write to them at bagichelp@bajajallianz.co.in
Step 2: After discharge, submit all relevant documents to the company to initiate the claim process.
Step 3: The company will review your documents and the authenticity of the claim. The claim will be verified with the terms and conditions of the policy.
Step 4: Once the claim is approved, the refund will be directly transferred to the policyholder’s linked bank account.
Documents required to file a claim
- Duly signed and filled claim form
- Discharge summary
- Original hospital bills, receipts
- Original chemist bills and receipts
- Original test reports, scans, MRI, CT scan
- Doctor’s consultation letter
- FIR ( if applicable)
- Photo ID
Author Bio
This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.