Health Insurance
Bajaj Allianz
Bajaj Allianz General Insurance is a joint venture between Bajaj Finserv Limited (of Bajaj Group) and Allianz SE, a German financial services company. Founded in 2001, the company offers various health, travel, motor, and other general insurance products. It has health insurance products tailor made for individuals, senior citizens, families, and international travelers. It's health insurance has a network of cashless hospitals, an in-house health administration team. It provides 60mins claim settlements. It offers health insurance policies with life time renewability.
Bajaj Allianz Health insurance plans
Extra Care Plus Super Top-up
The Bajaj Allianz Extra Care Plus Super Top-up plan is a comprehensive health insurance solution designed to provide additional coverage beyond the limits of an existing health insurance policy. It offers sum insured options from ₹3 lakh to ₹50 lakh and includes coverage for in-patient hospitalization, pre- and post-hospitalization expenses (60-90 days respectively), daycare procedures, and emergency ambulance services (maximum of Rs3000/- per valid hospitalization). The plan features customizable deductibles and offers maternity benefits after one year.
Health Guard Gold
The Bajaj Allianz Health Guard Gold plan is a comprehensive health insurance policy offering sum insured options from ₹3 lakhs to ₹50 lakhs. The plan includes benefits like organ donor expenses, maternity coverage, and newborn baby care. It also offers a sum insured reinstatement benefit 100% of Base SI once a year and free preventive health check-ups after three policy years.
Health Care Supreme Ultimo
The Bajaj Allianz Health Care Supreme Ultimo plan is a premium health insurance policy offering comprehensive coverage for medical expenses. Beyond the standard features, it provides physiotherapy coverage (on OPD basis), no room rent restrictions, no disease wise sub-limits, no co-payment and a 100% sum insured reinstatement benefit (once during each policy year for different illness) if exhausted. It also offers in-built maternity benefits and coverage for newborn babies.
Health Care Supreme Smart
The Bajaj Allianz Health Care Supreme Smart plan is a comprehensive health insurance policy offering extensive coverage for medical expenses. The plan provides physiotherapy coverage on an outpatient basis, no co-payment clause, full coverage for all diseases without sub-limits and no room rent restrictions. It also offers in-built maternity benefits and a short waiting period of two years for pre-existing conditions.
Health Ensure Family Plan
Bajaj Allianz’s Health Ensure Family Plan is a comprehensive health insurance offering benefits like emergency ambulance cover (up to maximum of Rs. 1000/- per Hospitalisation), organ donor expenses, and free preventive health check-ups (at the end of block of every continuous period of 3 years on a reimbursement basis up to specified limits). The plan provides a cumulative bonus of 5% increase up to 25% of Base SI for each claim-free year, with options for enhanced bonus through an add-on.
Health Guard Silver
The Bajaj Allianz Health Guard Silver plan is a basic health insurance policy offering coverage for in-patient hospitalization, pre- and post-hospitalization expenses (60-90 days respectively), and daycare. It provides sum insured options of ₹1.5 lakhs and ₹2 lakhs, with a room rent restriction of up to 1% per day of the sum insured. The plan includes AYUSH treatment, organ donor expenses, bariatric surgery cover (up to 25% of Sum Insured) and wellness benefits. .
Health Guard Platinum
The Bajaj Allianz Health Guard Platinum plan is a comprehensive health insurance policy offering sum insured options from ₹5 lakhs to ₹1 crore. The plan includes benefits like maternity (with limits of ₹15,000 for normal and ₹25,000 for cesarean delivery (for sum insured ₹3–7.5 lakhs), and ₹25,000 for normal and ₹35,000 for cesarean delivery (for sum insured above ₹7.5 lakhs) and newborn care,, and a recharge benefit of 20% increase of Base SI; maximum up to ₹5 lakhs if the sum insured is exhausted. It also offers preventive health check-ups and a super cumulative bonus (50% increase per year for 2 years, then 10% annually for 5 years, up to a maximum of 150% of the sum insured—for claim-free, uninterrupted renewals).
Health Care Supreme Vital
The Bajaj Allianz Health Care Supreme Vital plan is a comprehensive health insurance policy offering a wide range of benefits. It includes coverage for hospitalization expenses without room rent restrictions, no co-pay clauses, no disease wise sub-limits.. The plan also provides in-built maternity benefits, newborn baby coverage, and free annual health check-ups. Optional add-ons like personal accident and critical illness covers are available.
Extra Care Top-up
The Extra Care Top-up plan from Bajaj Allianz is a health insurance policy designed to provide additional coverage beyond the limits of an existing health insurance policy. It offers sum insured options from ₹10 lakh to ₹15 lakh and includes coverage for in-patient hospitalization, pre- and post-hospitalization expenses (60-90 days respectively), daycare procedures, and emergency ambulance services (Rs 3000/- per Hospitalisation). The plan requires a deductible of ₹3 lakh to ₹5 lakh, which must be paid before the policy kicks in.
Silver Health
The Bajaj Allianz Silver Health plan is a specialized health insurance policy designed for senior citizens aged 46 to 80 years. The plan comes with benefits like cashless and reimbursement options, pre-existing disease coverage starting from the second year, and a cumulative bonus (10% increase up to 100% of Base SI) for claim-free years., it offers a sum insured of up to 10 Lakhs, which is backed by a hospital network spanning over 12,000 healthcare facilities.
Bajaj Allianz Health insurance claim process
Bajaj Allianz claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Bajaj Allianz's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Bajaj Allianz Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Bajaj Allianz website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Bajaj Allianz health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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