Bajaj Allianz Health Insurance Plans

Bajaj Allianz Health Insurance helps you with the costs if you get sick or injured. We can say that it is an agreement between you and the Bajaj Allianz insurance company, and they promise to help cover your medical expenses in case something unexpected happens.

Bajaj Allianz company offers different types of health insurance plans to pick the right one for you and your family. A health insurance policy not only covers your treatment expenses, but you will also get extra benefits like cashless treatment and access to good healthcare at recognised hospitals. Essentially, it's like having a reliable partner to care for your health-related financial worries.

Now, let’s proceed further to have a look at Bajaj Allianz's health insurance coverage details.

List of Bajaj Allianz Health Insurance Plans

Different health insurance plans offered by Bajaj Allianz Insurance are as follows:

1. Health-Guard

Bajaj Allianz's Health Guard plan offers extensive coverage for individuals and families. This Bajaj health plan provides financial protection against large medical expenses and comes in three variants i.e. Silver, Gold, and Platinum, each with varying sum insured options.

The Health Guard plan covers multiple expenses including inpatient hospitalisation, pre and post-hospitalisation expenses, road ambulance services, day-care procedures, organ donor expenses, and convalescence benefits. Additional benefits include daily cash benefits, sum insured reinstatement, and preventive health check-ups.

Note: Certain benefits like maternity coverage are specific to Gold and Platinum plans. Also, there are waiting periods for pre-existing diseases, specific conditions, and an initial waiting period.

2. Health Infinity

Health Infinity is an individual health insurance policy by Bajaj Allianz with no limit on the sum insured. This medical insurance policy covers inpatient hospitalisation, pre and post-hospitalisation expenses, road ambulance services, day-care procedures, and preventive health check-ups.

Moreover, the plan operates on an indemnity payment basis, providing financial support for medical costs. However, a co-payment is required if the claim amount exceeds 100 times the room rent limit chosen. Additionally, the policy offers a wellness discount, encouraging policyholders to adopt a healthy lifestyle.

3. Arogya Sanjeevani Policy

Arogya Sanjeevani policy is designed to ease the financial burden of policyholders during hospitalisation. This Bajaj Allianz health plan offers coverage for hospitalisation expenses, AYUSH treatments, cataract treatment, modern treatment methods, and ambulance charges. It's important to note that the Arogya Sanjeevani policy has waiting periods for pre-existing diseases and specific conditions, along with a 5% co-payment for all claims.

4. Critical Illness

Bajaj Allianz's Critical Illness policy is a benefit-based plan that provides a lump sum amount upon the diagnosis of specified critical illnesses. It covers a range of conditions such as heart attack, cancer, stroke, and organ transplantation. This health insurance plan offers coverage for individuals aged 6 to 65 years with a waiting period for critical illnesses diagnosed within the first 90 days. Furthermore, the policy involves a lifetime renewal feature, providing long-term coverage against life-threatening diseases.

5. Global Personal Guard

Global Personal Guard is a personal accident insurance policy offering coverage for bodily injury, disability, or death due to accidents. It provides a high sum insured with benefits such as children's education cover, hospital confinement allowance, accidental hospitalisation expenses, and air ambulance cover.

The best part is that the plan also includes additional features like coma cover, EMI payment cover, and fracture care. In short, this policy is designed to provide financial support for unforeseen accidents.

6. Extra Care

Extra Care by Bajaj Allianz is a floater medical insurance policy designed to be added as a rider to your existing hospitalisation medical expense policies. It offers coverage for hospitalisation expenses, pre and post-hospitalisation expenses, ambulance expenses, and modern treatment methods.

The policy comes with specific waiting periods and deductibles and serves as an additional layer of financial protection for those seeking enhanced coverage beyond their primary health insurance.

7. Extra Care Plus

Extra Care Plus is another floater policy offering a range of sum-insured options with deductible choices. The plan covers inpatient hospitalisation expenses, pre and post-hospitalisation expenses, day-care treatment, modern treatment methods, maternity expenses, ambulance expenses, and organ donor expenses.

Notably, the Extra Care Plus policy has waiting periods and options for air ambulance cover as well. Altogether, it provides an extra layer of financial security with flexibility in choosing deductible options.

8. M-Care

Last but not least, M-Care is a policy designed to provide a lump sum benefit for common vector-borne illnesses. Offering coverage for diseases like Dengue fever, Malaria, and Chikungunya, the M-Care Bajaj Allianz mediclaim policy comes with different sum-insured options and includes a waiting period for diseases diagnosed within the first 15 days. In addition to all this, the policy also offers a discount when purchased online.

Steps to Buy Bajaj Allianz Health Insurance Plans with InsuranceDekho

Follow the below-mentioned steps to buy Bajaj Allianz Health Insurance policy from InsuranceDekho:

Step 1: Navigate to the InsuranceDekho Website

Visit the InsuranceDekho website and click on "Health Insurance".

Step 2: Provide Your Information

Enter essential details such as your name, age, and email, and follow the provided instructions to proceed.

Step 3: Explore Health Insurance Options

Once you've entered your information, a list of Bajaj Allianz health insurance plans will be displayed.

Step 4: Select the Appropriate Plan

Choose the right Bajaj Allianz Health Insurance plan that aligns with your requirements and preferences.

Step 5: Complete the Payment

Finally, make the payment for the selected plan, and following the payment, you will receive an email containing the details of your Bajaj Allianz Health Insurance.

Conclusion

Bajaj Allianz is committed to providing quality healthcare and easing the financial burden during health emergencies. With multiple Bajaj health insurance plans catering to different needs, the insurer offers financial protection and additional benefits like cashless treatment, coverage for hospitalisation, medicines, consultations, and more.

Frequently Asked Questions (FAQs)

Q. What does Bajaj Allianz Health Insurance cover?

Ans. Bajaj Allianz Health Insurance covers a range of medical expenses, including hospitalisation, medicines, consultations, and more. Please note that specific coverage may vary based on the chosen plan.

Q. How do I choose the right Bajaj Allianz Health Insurance plan?

Ans. While choosing the right health insurance plan for you and your family, consider your family's needs, budget, and preferences. Also, evaluate the coverage offered by different plans, including benefits like cashless treatment and additional facilities.

Q. Can I buy Bajaj Allianz Health Insurance online?

Ans. Yes, you can purchase Bajaj Allianz Health Insurance plans online.