Bajaj Allianz Health Insurance FAQs

The policyholders can make as many claims as possible in a year, but the total amount of claim can’t exceed the sum insured under the plan.

The policyholders need to submit the documents of the claim at the nearest branch of Bajaj Allianz Health Insurance.

Bajaj Allianz Health Insurance generally settles the claim, if not rejected, within 7 working days of the receipt of the last necessary document, but will not take more than 30 days.

The claim settlement ratio of Bajaj Allianz Health Insurance for the FY 2018-19 is 93.68%.

As per IBAI’s General Insurance Claim Insights Handbook For Policyholders-3rd and 4th Edition, the Claim Settlement Ratio of Bajaj Allianz General Insurance for the financial years 2017-18 and 2018-19 is 93.95% and 93.68% respectively.

The Claim Settlement Ratio of Bajaj Allianz General Insurance is calculated using the following formula:

Claim Settlement Ratio = (Total no. of claims approved/Total no. of claims received)x100

You must report Bajaj Allianz General Insurance as soon as possible in case of hospitalisation. You can inform them about the same by calling 1800-209-5858 or writing at bagichelp@bajajallianz.co.in.

To process cashless insurance claims under health insurance plans offered by Bajaj Allianz General Insurance, you are required to follow the steps given below:

• Visit a network hospital of your choice and intimate the insurance company by calling them on their toll-free number
• Show your Bajaj Allianz Health ID card along with the valid ID proof at the hospital
• Fill in the pre-authorization form. The hospital will then send the same to Bajaj Allianz Health Administration Team (HAT).
• Your documents will then be verified by the insurance company.
• If the claim made was in accordance to the terms and conditions of the policy, then your request will be accepted and the insurance company will settle the bills directly at the hospital.

Making a reimbursement claim under the health insurance policy offered by Bajaj Allianz General Insurance is as simple as making a cashless claim. You need to follow steps for the same:

• Get hospitalised at a non-network hospital of your choice and avail the required treatment.
• Pay from your own pocket for the treatment availed at the hospital.
• Collect all the documents related to your treatment from the hospital. These include original discharge summary document, KYC form, medicine bills, all laboratory tests, receipts, etc.
• The insurance company will verify your documents and will accept the claim request if it was made in accordance to the terms and conditions of the policy.
• The insurance company will then pay you for the treatment availed.

Bajaj Allianz provides the coverage for 10 critical illnesses under its critical illness plan.

Yes, Bajaj Allianz offers the lifetime renewal option for its critical illness policy.

Yes, a lump sum amount is offered by Bajaj Allianz health insurance to its policyholders after being diagnosed with a critical illness.

The illnesses covered under Bajaj Allianz Critical Illness Plan are cancer, stroke, kidney failure, aorta graft surgery, major organ transplant, permanent paralysis of limbs, coronary artery bypass surgery, primary pulmonary arterial hypertension, first heart attack (myocardial infarction) and multiple sclerosis with persisting symptoms.

Anyone who is aged at least 18 years and is a resident of India can purchase critical illness policy offered by Bajaj Allianz General Insurance.

To buy critical illness cover offered by Bajaj Allianz General Insurance, follow the steps given below:

• Visit www.insurancedekho.com and click on the Health tab.
• Select your Gender and enter your Name and Mobile Number. You will receive an OTP, kindly enter that in the box below.
• Choose when you want to buy the policy. Then click on ‘View Instant Quotes’.
• Choose family members when you want to add in the policy.
• Select the age of the family members to be added in the policy and click ‘Continue’.
• Select your ‘Email ID’ and ‘City’ in the next section. Click on the ‘Submit and View Quotes’ button. You will see several insurance plans as per your selections. Choose the best own as per your preference.
• Select the policy term of the shortlisted policy and pay the premium via a secured payment gateway.

Yes. You can avail tax benefits on the premium paid for critical illness plans offered by Bajaj Allianz General Insurance, under Section 80D of the Income Tax Act, 1961.

You are covered for the following illnesses under the critical illness plan offered by Bajaj Allianz General Insurance:

• Cancer
• Aorta Graft Surgery
• Stroke
• Kidney Failure
• Permanent Paralysis of Limbs
• Major Organ Transplant, etc.

Self, spouse, dependent children and dependent parents can be covered under dengue plan.

Various diseases such as Dengue Fever, Malaria, Kala Azar, Zika Virus, Filariasis, Chikungunya, Japanese Encephalitis covered under the dengue plan.

The minimum entry age for the plan is 18 years, the maximum entry age is 65 years.

Yes, it offers ayurvedic and homeopathic hospitalisation cover to policyholders.

If you have a family floater policy by Bajaj Allianz, you can do tax saving up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) under Section 80D of Income Tax Act.

Yes, the plan covers the expenses of maternity and newborn expenses with a waiting period of 6 years.

Under the Bajaj Allianz family floater health insurance policy, one can cover self, spouse and up to 4 dependent children. For parents/in-laws, a separate health insurance policy can be purchased.

Anyone who wishes to secure the health of self and loved ones through a health insurance policy should buy a Bajaj Allianz family health insurance plan. With the help of the family health insurance policy, one can get their spouse, dependent children, as well as themselves, covered under a single sum insured amount.

If you have the Bajaj Allianz family health insurance policy and you want to change the sum insured for some reason, make sure you go ahead with your request for a change at the time of policy renewal. It is because health insurance companies do not allow making changes during the policy tenure.

Comprehensive cover, all family members covered under one plan, vast sum insured range, 10% cumulative bonus benefit for every claim-free year up to 100%, a discount of up to 20% for co-payment option, sum insured reinstatement, lifelong renewability, a family discount of 10%, 4% discount for 2-year policy and 8% for 3 years, tax benefits are some of the prime advantages of Bajaj Allianz family health insurance plan.

Health Guard Family Floater Policy, the ultimate family health insurance policy by Bajaj Allianz provides cover for in-patient hospitalisation treatment, pre and post hospitalisation, cumulative bonus, organ donor expenses, Bariatric Surgery, road ambulance coverage, convalescence benefit, Ayush treatment, daycare procedures, preventive health check-up, daily cash, sum insured reinstatement, maternity and newborn baby cover, etc.

The correspondence address of Bajaj Allianz Health Insurance is-GE Plaza 1st Floor, Airport Road, Yerawada, Pune 411006.

Health insurance plans available with Bajaj Allianz are- 1.Health insurance plans for Individuals 2.Health insurance for Family 3.Global Personal Guard 4.Critical Illness Plans 5.Extra Care Plus 6.M-Care

Here's a list of documents that you may have to keep ready: 1. Age proof: Copy of voter ID, driving license, passport, Aadhaar card, birth certificate, school leaving certificate, etc. 2. Address proof: Copy of latest utility bill (electricity, mobile, landline, gas), passport, ration card, Aadhaar card, etc. 3. ID Proof: PAN card, Aadhaar card, Passport, Driving License, Voter ID, etc. 4. Photos: 3 passport-size photos. 5. Medical reports: If you are over a certain age, you may need to undergo a medical check-up before a policy is issued to you.

During the coronavirus pandemic, the Insurance Regulatory and Development Authority of India (IRDAI) made it mandatory for all the general as well as health insurance companies selling health insurance plans to offer online services for the same. Starting from the policy purchase to claim settlement, a soft copy of your Bajaj Allianz health insurance policy document will help at all times. So, you do not really need to have a hard copy. But if you still want to have one, you can do so by following the required steps.

When you purchase a Bajaj Allianz health insurance policy, then the insurance company sends you a hard copy of your policy document at the address provided by you. Another way to get a hard copy of your Bajaj Allianz health insurance policy document, is to follow the steps mentioned above for downloading the same and then take its print out. You can download and take a print out of your Bajaj Allianz health insurance policy document as many times as you want as there is no limitation for the same.

Also, in case of any grievance, you can get in touch with the customer care executives at InsuranceDekho on the toll-free number 7551-196-989 and seek help.

It is very easy to make changes in your Bajaj Allianz health insurance policy document. All you need to do is contact the customer support team at Bajaj Allianz General Insurance and inform them about the error. The error can be in the name of the policyholder, address, zone, health conditions, members covered under the policy, etc. Note that not getting the errors in your policy document corrected can create hassle at the time of claim settlement. So, it is better to timely get the corrections done.

You can buy and apply for any Bajaj Allianz Health Insurance Policy online from the official website of Bajaj Allianz Health Insurance at www.bajajallianz.com or through online broker’s website like insurancedekho.com.

Bajaj Allianz provides a wide range of features and benefits to its customers. Some of them are- 1. Peace of mind: It keeps your family financially protected against unforeseen health care expenses. 2. Get the best medical care: The health insurance plans enable you to get treatment from the best hospitals and doctors. 3. Cashless settlement: You can get cashless treatment at any of the network hospitals after informing the company. 4. Hassle-free claims: Bajaj Allianz has a hassle-free claim process. You can benefit from the following: a. 24x7 on-call support. b. An in-house Health Administration Team to ensure a quick claim settlement process. c. Cashless settlements in under one hour. d. One of the highest claims settlement ratios among health insurance providers in India. e. Health CDC benefit: Quick claim settlement through the app. 5. Comprehensive coverage: Affordable health insurance policies that cover you and your family against medical expenses, critical illnesses, and accidents. 6. Affordable plans: Maximum coverage at a price that is easy on the pocket. 7. Preventive care: Free medical check-ups once every three claim-free years. 8. Ease of transaction: Buy or renew your policy in just a few clicks online.

The Bajaj Allianz individual plans offer policy term options of 1, 2 and 3 years.

Yes, the policy provides coverage for pre-hospitalisation and post-hospitalisation, which might have occurred either 60 days before hospitalisation or 90 days after hospitalisation.

Bajaj Allianz individual health insurance plan provides sum insured options ranging from Rs. 1.5 Lakh up to Rs. 50 Lakh.

Yes, Bajaj Allianz individual health plan covers the expenses for all sort of daycare treatments.

Health Guard Individual, the Bajaj Allianz individual health insurance policy is the perfect health insurance for those who want to cover themselves against medical expenses incurred during an unexpected medical emergency situation. If you are looking for a cover and want to secure only yourself, Health Guard Individual Policy by Bajaj Allianz would be a good choice.

Since health insurance companies do not allow making any changes during the policy tenure, it is advisable to change your sum insured to the desired amount for your Bajaj Allianz individual health insurance policy at renewal time.

Yes! If you have Bajaj Allianz individual health insurance policy, you can avail tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

The advantages of Bajaj Allianz individual health insurance plan include wide coverage, 100% sum insured reinstatement, sum insured options up to Rs. 50 Lakh, no need for pre-medical policy tests up to the age of 45 years, a free preventive checkup at every 3 years of the policy, lifelong renewal of the policy, 10% and 15% family discount, 10% cumulative bonus benefit, 4% and 8% long-term policy discount and many more.

Bajaj Allianz individual health insurance, Health Guard Individual provides cover inpatient hospitalisation, pre & post hospitalization, daycare treatments, organ donor expenses, hospital daily allowance, sum insured reinstatement, maternity cover, convalescence benefit, bariatric surgery or procedure, ambulance expenses, and others.

If you want to change the sum insured amount of your kids health insurance by Bajaj Allianz, wait for the policy renewal time as making any changes during the policy tenure is not allowed.

Bajaj Allianz kids health insurance policy Family Floater Health Guard provides various advantages including vast sum insured range, lifelong cover, easy claim settlement, 10% cumulative bonus provided up to 100%, 4% and 8% long term policy discount and many others.

Bajaj Allianz kids health insurance policy covers 60 days pre & 90 days post hospitalization, inpatient treatment, preventive health checkup, newborn baby expenses, organ donor expenses, daycare procedures, convalescence benefit, Ayurvedic & Homeopathic expenses, and others like it.

Yes, the Bajaj Allianz kids health insurance policy provides tax deductions under Section 80D of the Income Tax Act, 1961.

Maternity and newborn baby expenses cover which makes this a very useful plan for young couples.

Under the plan, convalescence benefits up to Rs. 7500/- per year is given.

Yes, free preventive health checkup every 3 years, irrespective of a claim, is provided by the maternity-based health insurance policy.

Women and couples planning to start a family in the coming years should choose Bajaj Allianz maternity health insurance plan, Family Floater Health Guard.

If you think that your sum insured amount for your Bajaj Allianz maternity health insurance policy is not enough or too much, get the same change at the time of policy renewal and not during the policy tenure. Note that health insurance companies do not allow any changes like such during the policy period.

Bajaj Allianz maternity health insurance policy comes with multiple advantages. Some of the major benefits of the policy are wide sum insured range, lifelong renewability cover, quick & easy claim settlement, 10% cumulative bonus provided up to 100%, 4% and 8% long term policy discount, cover for maternity expenses and newborn baby expenses at an affordable premium, cashless treatment available at more than 6,500 network hospitals, etc.

Bajaj Allianz maternity health insurance policy Family Floater Health Guard provides cover for 60 days pre & 90 days post hospitalization, maternity expenses up to 2 deliveries, newborn baby expenses, daycare treatment, cumulative bonus benefit, Health CDC, ayurvedic and homeopathic treatment, convalescence benefit, bariatric surgery coverage after waiting period, organ donor expenses, maternity and newborn baby, and more.

Yes! A policyholder can avail tax benefits under Section 80D of the Income Tax Act, 1961 for paying premium towards their Bajaj Allianz maternity health insurance.

Any changes to the sum insured amount for Bajaj Allianz parents health insurance can be made at the time of policy renewal. It must be noted that health insurance companies do not allow any change of sum insured amount at the time of policy tenure.

Bajaj Allianz parents health insurance policy offers tax deductions under Section 80D of Income Tax Act, 1961 for the policy premium paid.

Bajaj Allianz parents health insurance policy has multiple benefits to offer. comprehensive coverage, free health checkup after 4 years, reimbursement of 100% of standard medical test charges, enhancement of sum insured at renewal time, quick claim settlement, lifelong renewability, cumulative bonus of 10% of sum insured, 5% family discount on covering 2 or more members, waiver on copayment clause, and more.

Bajaj Allianz parents health insurance plan Silver Health provides coverage inpatient hospitalization, pre & post-hospitalisation expenses, pre-existing disease coverage, 130 daycare procedures, emergency ambulance expenses up to Rs. 1000 per claim, cover for cataract, hernia, and other such diseases after a waiting period of 1 year, cover for joint replacement surgery after 4 years of waiting period, etc.

A health insurance policy does not mean blanket coverage of all medical treatment that you undergo. Every policy comes with some exclusions. The most common exclusions include: 1. Pre-existing diseases or conditions 2. Alternative therapies 3. Dental and cosmetic surgeries and treatments 4. Self-inflicted injuries or those sustained during dangerous sports 5. Waiting period 6. Other exclusions include injuries sustained during the war, HIV-related treatment, congenital diseases, etc.

Most Bajaj Allianz health insurance plans cover the costs of hospitalisation. A few plans also include pre-hospitalisation and post-hospitalisation expenses, daycare procedures, ambulance expenses, etc.

Here are the basic documents required for portability in Bajaj Allianz Health Insurance:

• Portability form
• Plan’s proposal form
• Copy of renewal notice
• Copy of expiring health insurance policy

The entry age for the portability process depends on the terms and conditions of the Bajaj Allianz Health Insurance.

The policyholder can utilize the option of portability at the time of policy renewal.

You can pay the premium of Bajaj Allianz plans either in cash or through online.

Yes, on paying the premium amount you will get the payment acknowledgment from Bajaj Allianz health insurance.

Yes, Bajaj Allianz health insurance gives the duplicate copy of the premium receipt.

The ‘premium receipt' shows the record of the premium amount, which is being paid by you for the plan. You can utilize it as the proof of investment for earning the tax benefits.

To calculate the premiums of health insurance plans for parents, there are several factors taken into consideration such as age, members covered under the policy, sum insured amount, etc. To know the premium that you will be required to pay for a particular health insurance policy, you can use InsuranceDekho’s premium calculator.

Following are the benefits of using a Bajaj Allianz General Insurance premium calculator:

• You get to know the cost of add-on covers in advance
• They provide quick results of suitable health insurance quotes
• They simplify the complex calculations of health insurance premium
• They allow you to change preferences and see the premium change so that you are able to shortlist a policy as per your budget.

Following are the factors that affect the premiums of Bajaj Allianz health insurance plans:

• Body Mass Index (BMI)
• Pre-existing diseases
• Age of the insured
• Number of members covered under the policy
• Geographical location
• Add-on cover(s)
• Policy term
• Co-payment

To lower the premium for Bajaj Allianz Health Insurance plans, you should follow the tips given below:

• Buy health insurance policy at a young age. This is because if you buy health insurance in old age, then you are more prone to illnesses and are hence required to pay a higher premium.
• Choose a co-payment option under health insurance plans. But note that if you chose the same, then you will be required to pay a part of the claim amount from your own pocket.
• Select long term health insurance plans to save on premiums.
• Choose deductibles wisely.
• Choose top-up health insurance plans. It is the best option to avail extensive coverage at affordable premiums.
• Opt for family floater health insurance plans instead of individual health insurance plans.

Yes. The premium paid for Bajaj Allianz Senior Citizen plan offers tax benefits as per section 80D under the Income Tax Act, 1961.

Under the senior citizen coverage plan, pre and post hospitalisation expenses that occur 60 days prior to a hospitalisation or 90 days after hospitalisation.

Yes, Bajaj Allianz senior citizen coverage plan offers all the daycare treatments.

Under Bajaj Allianz senior citizen coverage plan, the pre-existing diseases are covered after 12 months.

Policy buyers up to 65 years of age should buy Bajaj Allianz senior citizen health insurance policy Family Floater Health Guard Policy. The Bajaj Allianz plan is the best financial support for senior citizens in managing their expenses during a medical emergency.

If you possess Bajaj Allianz senior citizen health insurance policy and want to change its sum insured amount, make sure you do so at the time of policy renewal. Keep in mind that health insurance companies including Bajaj Allianz do not allow any changes during the policy tenure.

Bajaj Allianz senior citizen health insurance policy Family Floater Health Guard comes with multiple advantages. Some of the prime benefits include lifelong renewability, sum insured up to Rs. 50 Lakh, free preventive health checkup after every 3 years, reinstatement of sum insured, up to 20% discount for copayment option, 4% and 8 % discount for long term policy option, no medical tests up to 45 years of age, 10% cumulative bonus benefit, etc.

Bajaj Allianz senior citizen health insurance plan covers the policyholder for in-patient hospitalisation, pre & post hospitalisation, organ donor expenses, expenses for bariatric surgery, road ambulance coverage, convalescence benefit, ayush treatment expenses, daycare procedures or surgeries, daily cash for accompanying an insured child, maternity and newborn baby cover are some of the prime features.

A rider or an add-on is an additional benefit that can be included under your basic health insurance policy. Whereas a top-up policy is like a regular health insurance policy that covers hospitalisation expenses over and above the threshold limit known as the deductible.

Top-up plans are like a stepney to your base health insurance policy as they help you when the sum insured of your existing health insurance policy gets exhausted. Following are the advantages of buying a top-up plan offered by Bajaj Allianz General Insurance:

• Financial back-up in case the sum insured of your existing policy gets exhausted
• High cover at an affordable premium
• Combats rising medical inflation
• Cover for pre-existing illnesses
• Tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961.

If you find the coverage of your existing health insurance policy insufficient, then opting for a top-up policy is a wise choice. This is because a top-up policy offers you extensive coverage at an affordable premium.

Anyone who is aged at least 18 years and is a citizen of India can purchase the top-up policy offered by Bajaj Allianz General Insurance. To know more about the buying process, you may get in touch with the customer care executives at InsuranceDekho on the toll-free number 7551-196-989 and share your requirements.

No, unfortunately you cannot change the sum insured amount of your Bajaj Allianz woman health insurance policy during the policy tenure. The right time for getting the sum insured change would be policy renewal.

Bajaj Allianz woman health insurance policy Family Floater Health Guard has a major advantage in that it provides cover for maternity as well as newborn baby expenses. Sum insured ranging up to Rs. 50 Lakh, free of cost preventive health checkup at every 3 years, sum insured reinstatement, 4% and 8% long-term policy discount, up to 20% discount for copayment option, no need for medical screening up to 45 years of age and more.

Bajaj Allianz woman health insurance policy grants cover for inpatient treatment, pre & post hospitalization expenses, maternity & newborn baby expenses up to a maximum of 2 deliveries, organ donor expenses, road ambulance coverage, convalescence benefit, Ayush treatment expenses, daycare procedures or surgeries, preventive health check-up, daily cash, sum insured reinstatement and other expenses.

Yes! Bajaj Allianz woman health insurance policy provides tax benefits as per Section 80D of Income Tax Act, 1961 for the policy premium paid.