Bajaj Health Insurance Claim Process/Form/Reimbursement

Finding it hard to understand how to claim your Bajaj health insurance? You are not alone.  Many people feel unsure about opting for cashless treatment or filing a reimbursement claim.

This guide helps you understand how to claim your Bajaj health insurance policy on a cashless and reimbursement basis, its related timelines, documents, and common mistakes that slow claims down. 

How to Claim Bajaj Health Insurance?

1. Cashless Claim Process

• For planned hospitalizations, inform Bajaj at least 48 hours before admission, and for emergency hospitalizations, inform within 24 hours of admission.
• Go to a network hospital and visit the insurance or TPA desk.
• Share your policy and patient details. The hospital will submit a pre-authorization request to Bajaj’s Health Administration Team (HAT).
• Once approved, Bajaj settles the eligible expenses directly with the hospital. You pay only the non-payables as per your policy.

2. Reimbursement Claim Process

• Take treatment at the hospital and pay the bills at discharge.
• Collect all original documents such as the discharge summary, itemized hospital bill, paid receipts, test reports, and pharmacy bills.
• Fill the reimbursement claim form and attach all required documents.
• Submit the complete set of originals to Bajaj for verification and settlement.
• If Bajaj raises a query for missing documents, share them as soon as possible to avoid delays.
• The insurer pays the admissible claim amount to your bank account.

How to Check Bajaj Health Insurance Claim Status?

You can track your Bajaj health insurance claim status online through Bajaj’s website by entering your claim and policy details. If you prefer offline support, you can also reach out to your agent or nearby branch.

Pro Tip: When you contact support, keep your policy number and claim reference number handy to save time.

Documents Required to File a Bajaj Health Insurance Claim

1. For Cashless Claims

• Health card or policy details
• Photo ID proof of the patient
• Pre-authorization form filled and submitted by the hospital
• Doctor’s notes, diagnosis, and relevant medical reports (as asked by the hospital/TPA)

2. For Reimbursement Claims

• Duly filled and signed claim form
• Discharge summary
• Final hospital bill with itemized breakup
• Paid receipts against the final hospital bill
• Investigation reports like X-ray, MRI, CT scan, blood tests
• Pharmacy bills and receipts
• Implant invoice and stickers, if applicable
• KYC documents, if required
• Bank details for NEFT/ECS payment

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Ditto’s Take on Bajaj Health Insurance Claim Process/Form/Reimbursement

Bajaj’s average claim settlement ratio from 2022 to 2025 is 96.78%, which means it has settled most claims without delays. It also has 12,000+ network hospitals and a low complaint volume of 3.07 per 10,000 claims, which is a reassuring sign for day-to-day claim experience.

That said, do not pick an insurer only on CSR. Your actual claim outcome still depends on what your policy covers, your waiting periods, and whether the hospital submits documents properly.

If your Bajaj health claim is rejected, talk to the insurer and ask if you can submit it again. Collect any missing papers and reapply. If that still does not work, you can reach out to the Ombudsman for help.

For more information on Bajaj health insurance, you can read this detailed review.

Disclaimer: Bajaj General Insurance is not a partner company with Ditto. All information gathered for this guide is based on the insurer’s official website and policy wording.