Bajaj Allianz Health Insurance

Health problems can knock on your door any day! Our bad eating habits and lifestyle choices are the major reasons behind health issues. Today, health conditions have become so worse that even for a minor health issue you require a doctor visit or consultation resulting in heavy healthcare expenses. Not every other person can manage these heavy expenses from their basic salary. This is where health insurance plans come to your rescue.

In an era where healthcare costs are soaring, health insurance plans add a sense of relief. Be it an emergency case, accident, doctor consultation, or maternity expenses, health insurance plans offer good coverage in times of need. Bajaj Health Insurance is one of the prominent players in the Indian insurance market, and it has provided financial protection against unexpected medical expenses to several people and families over the years.

About Bajaj Allianz Health Insurance

In 2001, Allianz SE (a European financial services company) and Bajaj Finserv (an Indian Financial service company) started a joint venture named Bajaj Allianz General Insurance Company. It soon became the top private insurance company in the market which also offered Bajaj Allianz health insurance. At present, the company has various branches spread across India as well as offers cashless hospitalization in over 10,000 + network hospitals.

Bajaj Allianz Health Insurance plans offered by the insurer are tailored to meet the different health needs of the people. It includes various plans and policies that include multiple benefits, such as room rent, ambulance charges, pre and post-hospitalization expenses, cashless treatment, and much more. It even offers customized plans that cover senior citizen health needs, women, critical illnesses, and vector-borne illnesses. Bajaj Allianz General Insurance Company is known to be a trusted insurance company with a good claim settlement ratio of 96.85%.

Online Process

Purchase Bajaj Allianz Health Insurance with InsuranceDekho

Follow the below-listed steps to quickly purchase Bajaj health insurance online from InsuranceDekho:

Step 1: Visit the official portal www.insurancedekho.com and press the “health” tab visible on the screen.

Step 2: Fill up all the details, including your Name, mobile number and gender as requested. An OTP (One Time Password) will be sent to your registered mobile number to proceed further.

Step 3: Select an option from the drop-down menu to respond to the question, "When do you want to buy the policy?" and click on "View Quotes."

Step 4: Choose family members you wish to include within your health insurance coverage and press the "continue" button.

Step 5: Add the age of your family members.

Step 6: Fill in the email and city details and press the ‘Submit and View Quotes’ button. The quotes that best fit your needs will appear on your screen. Compare and choose the one you wish to buy.

Step 7: Choose the duration of the policy that you want to purchase. Proceed to the online payment page by providing the necessary information.

Purchase Bajaj Allianz Health Insurance Policy via Insurer Website

Follow these steps to quickly obtain health insurance from the comfort of your home:

• Visit Bajaj Finserv’s official website or download the Bajaj Allianz General Insurance Company application on your mobile.
• Login to your account and browse through different health insurance plans available on the screen. Select the one that meets your needs and budget requirements.
• Submit all the requested personal information, i.e., your name, age, contact details, and required medical history.
• You can also compare different policies depending on their benefits, premium rates, and coverage using the comparison tool.
• Once you have finalized the health insurance plan, fill in the payment details and initiate payment through secure payment gateways.
• As soon as the payment is processed and complete, you will receive a notification on the registered email sharing policy document confirming your coverage.

Offline Process

Go to a nearby Bajaj Finserv branch office or contact an authorized insurance agent. Complete and submit the application form, attach all the necessary documents, and work with the agent to complete the purchase.

Avail quick and hassle-free settlement by following this effective claim procedure provided by Bajaj Allianz General Insurance Company. Understand how your Bajaj Allianz health insurance plans allow you to submit reimbursement and cashless claims:

Steps to Make a Cashless Claim:

Step 1: Hospitalization in a Network Hospital

For cashless treatment, check yourself into a Bajaj Allianz network hospital. Email at bagichelp@bajajallianz.co.in or call their toll-free number 1800-209-5858 for contacting.

Step 2: Verify using Bajaj Allianz Health ID Card

Carry your Bajaj Allianz Health ID card as well as a valid ID proof to the hospital for quick verification.

Step 3: Submit Pre-Authorization Form

Fill up the pre-authorization form, which will be forwarded to the Bajaj Allianz Health Administration Team (HAT) by the hospital.

Step 4: Document Verification

The Bajaj Allianz Health Administration Team will match your policy benefits with the submitted pre-authorization form and update the hospital about your status.

Step 5: Claim Settlement

Your healthcare provider will be contacted within 60 minutes of receiving your claim approval. You won't have to worry about anything because the insurer will pay the hospital immediately for your treatment costs.

Steps to Make Reimbursement Claim:

Step 1: Hospitalization and Treatment

Visit a non-network hospital of your choice, get hospitalized, and receive the necessary medical care and treatment. Later, send an email at bagichelp@bajajallianz.co.in or call 1800-209-5858 to notify the insurer about the hospitalization.

Step 2: Pay Hospital Bills

Clear all the pending payments and dues at the hospital for the treatment.

Step 3: Document Collection

Make sure to collect your discharge summary document (original), laboratory and test reports, hospital bills and receipts (original), claim form, health card issued by the insurer, copy of invoice/barcode (in case of implants), FIR copy (in case of an accident or death) KYC form, and all doctor consultation papers. These documents are essential for health insurance claim settlement with Bajaj Allianz General Insurance. Make sure you do not miss any important documents.

Step 4: Verify your documents

Once you submit all the documents, the team will validate them and notify you in advance if you require more documentation.

Step 5: Claim Settlement

After the claim has been reviewed by the insurer and authorized, the payment will be released within 7 working days via ECS.

Bajaj Health Insurance has received awards for its superior customer care and innovative product offerings. Some of the notable awards and achievements are:

• Product Innovator of the Year: At the 4th Annual BFSI Excellence Awards in 2023, Bajaj Allianz General Insurance Co. Ltd. took home the title of Product Innovator of the Year (Health Insurance).
• Customer Experience Initiative: At the ELETS Insurance Innovation Awards 2023, Bajaj Allianz General Insurance Co. Ltd. took home the Leader in Customer Experience Initiative title.
• Best Customer Experience (Insurance) award

Bajaj Health Insurance offers a robust customer support system that deals with people's queries and grievances in real time.

Additionally, you can also reach out to us at InsuranceDekho on call +91-755 1196 989 or email support@insurancedekho.com

Complaints & Grievance Redressal

For all kinds of grievances /complaints, you can take the following actions for quick resolution:

• Call the toll-free number18002095858 to submit your concern.
• If you're not happy with the response you received from Bajaj Health Insurance staff, you can send an email to ggro@bajajallianz.co.in to the Grievance Redressal Officer, Mr. Jerome Vincent for a quick resolution.
• Consumers who have concerns or grievances can address any branch for assistance.
• E-mail your concern at o bagichelp@bajajallianz.co.in or write letters at head.customerservice@bajajallianz.co.in
• If the consumer is still dissatisfied following all escalations, they can write to the CEO.