Bajaj Allianz Health Insurance Renewal: Steps & Benefits

Q: Are Bajaj Allianz and Bajaj General the same company?

Yes. Bajaj Allianz Health Insurance has been rebranded as Bajaj General Health Insurance starting October 8, 2025. This followed Bajaj acquiring Allianz’s 26% stake in the company.

Q: Can Bajaj General refuse my policy’s renewal?

No. Bajaj General cannot refuse renewal due to your age or because you have made claims. However, renewal can be denied in cases of proven fraud, moral hazard such as misuse or staged claims, or non-disclosure or misrepresentation of material facts.

Q: How many days before health insurance can be renewed?

The renewal window typically opens 30 to 60 days before policy expiry, depending on the insurer. It is advisable to renew at least 7 to 15 days before the due date to avoid issues with policy continuity, payments, KYC, or benefit changes. This window also allows you to request a higher sum insured or add family members.

Q: What is Bajaj General Insurance's claim process?

Bajaj General Health Insurance allows you to file either a cashless claim at a network hospital or a reimbursement claim if the treatment is taken at a non-network hospital.

Q: Do I need to pay GST at the time of renewal?

No. From September 22, 2025, GST has been removed on all individual health insurance policies, including family floater and senior citizen plans. As a result, GST is not added to your renewal premium. However, insurers may revise base premiums due to changes in input tax credit structures, so the net reduction may not always be a full 18%.

Quick Overview

Renewing your Bajaj General (formerly Bajaj Allianz) health insurance policy is simple and stress-free. You can renew it online via the insurer’s website or app, or offline by visiting a branch in person or talking to your advisor. Share your policy or mobile number, check the details, and make the payment.

Renewing your health insurance on time is important because you do not want to miss out on the benefits or end up facing financial hassles during a medical emergency.

In this article, we break down the process of Bajaj Allianz health insurance renewal in simple terms and explain why staying on top of the process really matters.

How to Renew a Bajaj General Health Insurance Policy?

Through the Website

Step 1: Go to the Bajaj General website.

Step 2: Click on “Renew” and navigate to the “Health Insurance Renewal” section.

Step 3: Select the type of plan that you want to renew.

Step 4: Then, you can log in by entering the existing policy number and the date of birth of the insured.

Through the “Bajaj General” App

Download the app via the Apple App Store or the Android Play Store.
Log in using your mobile number.
Click on “Renew Policy”.
View your existing policy and renew.

Offline Renewal

If you prefer personal assistance, you can visit any Bajaj General branch office or contact your insurance agent/advisor.

Contact Details of Bajaj General Health Insurance

To buy a policy, you can call 1800-209-0144 (Toll-free). For support, call 1800-209-5858 (Toll-free).
For support over WhatsApp, share a “Hi” on 7507245858.
For senior citizens, email: seniorcitizen@bajajgeneral.com.
You can also email your queries at careforyou@bajajgeneral.com.

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Benefits of Renewing a Bajaj General Health Insurance Policy Before Expiry

Your Moratorium Period Continues

The moratorium period makes sure that claims cannot be rejected for non-disclosure of pre-existing conditions after 5 years, except in cases of permanently excluded conditions, such as illnesses caused by substance or alcohol abuse, or cases involving fraud

Preserve your Bonus

No-claim bonus or cumulative bonus can significantly increase your sum insured, and missing the renewal date may reset this benefit.

Enjoy Loyalty Discounts

Renewing on time helps you retain benefits like wellness rewards and even claim early-renewal discounts.

Keep Waiting Periods Intact

A lapse could mean restarting waiting periods for pre-existing conditions, specific illnesses, maternity, etc., or you might need to purchase a new plan altogether

Grace Period for Bajaj General Health Insurance Renewal

As per IRDAI, the grace period is 15 days for policies with monthly premiums and 30 days for other payment modes (for annual, half-yearly, or quarterly).

During this time:

You can still renew your policy
Your coverage remains inactive until renewed
Claims will not be accepted. Alternatively, the insurer will either ask you to pay the premium first or deduct the amount from your claim payout.
Failing to renew before the grace period ends can lead to the permanent loss of continuity benefits.

Key Insight: In health insurance, there is no reinstatement after the grace period ends. Once your policy expires, you’d need to apply for a new one and go through the entire process again. Your profile eligibility will be reassessed, and you may have to pay higher premiums based on your current age, health status, and other factors.

Hence, it’s recommended to renew your policy before the actual expiry date.

Note

In August 2025, the Association of Healthcare Providers India (AHPI) had advised member hospitals (notably in North India) to stop cashless treatment for Bajaj Allianz General Insurance policyholders from September 1.

This advisory was later withdrawn after further discussions, and the suspension did not proceed as planned.

If cashless service is essential for you, make sure to confirm its availability at your preferred hospital before renewing your policy.

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Conclusion

Renewing your Bajaj General Health Insurance policy is simple and takes just a few minutes online or via the app. You can also proceed with the renewal at any of their offices in India. The key is to renew your policy before the expiry date, so you don’t lose continuity benefits, No-claim bonus (NCB), or active coverage.

Note: Bajaj General Health Insurance is not a partner insurer of Ditto. The above information has been taken from publicly available sources and Bajaj General’s official website.

Frequently Asked Questions

Are Bajaj Allianz and Bajaj General the same company?

Yes, Bajaj Allianz Health Insurance has been rebranded to Bajaj General Health Insurance, starting October 8, 2025. This is due to Bajaj buying up Allianz’s 26% stake in the entity.

Can Bajaj General refuse my policy’s renewal?

No, the insurer cannot refuse a renewal because you made a claim or due to age. However, it can be denied in cases of proven fraud, moral hazard (misuse or staged claims), or non-disclosure/misrepresentation of material facts.

How many days before health insurance can be renewed?

Generally, the window opens 30-60 days before your policy expires, depending on the insurer. However, it’s best to renew at least 7-15 days before the due date to avoid any issues in policy details. You can also request a higher sum assured, add new family members, and sort out any last-minute payment or KYC problems during this time.

What is Bajaj General Insurance's claim process?

You can either opt for a cashless or reimbursement claim if you have purchased a policy under Bajaj General health insurance.

Do I need to pay GST at the time of renewal?

From 22 September 2025, GST on all individual health insurance policies (including family floater and senior citizen policies) has been removed. Hence, no such tax is added to your renewal premium.

That being said, insurers may adjust the base premium due to changes in input tax credit dynamics, so the total reduction may not be exactly 18% in all cases.

Last updated on: 29 Dec, 2025