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Bajaj Allianz Tax Gain Health Insurance

298 reviews Rate This
Bajaj Allianz Health Insurance
Tax Gain
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Tax Gain Health Insurance

No one can predict the occurrence of an illness, which may lead you to visit a physician or get hospitalised in a hospital. In some cases, you require an outpatient treatment and in other inpatient treatment. Many plans offer coverage for inpatient treatment but very few provide the cover for outpatient expenses. Here, the Tax Gain Plan by Bajaj Allianz comes in. It is a floater health policy which covers outpatient expenses (OPD) & hospitalization expenses under a single policy. This annual medical insurance policy offers coverage to self or proposer and spouse with prompt in-house claim administration.

This policy is segregated under 4 different plans and the sum insured options available under it ranges from Rs. 1 Lakh to Rs. 3 Lakh according to the plan opted. The scheme owns a separate plan for senior citizens covering both OPD and hospitalisation benefits. In totality, this plan offers coverage to people within the age group of 18 years and 75 years. Also, it gives a waiver of medical tests for people up to the age of 45 years, subject to no adverse health conditions. The plan is loaded with lifelong renewability option with several benefits including daycare procedures, ambulance cover and so on.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre and post hospitalisation expenses can be covered
  • Coverage is available for around 130 daycare procedures
  • Emergency ambulance charges are covered up to Rs. 1,000
  • Expenses for crutches is covered from day 1 under OPD benefit
  • Outpatient expenses & hospitalisation expenses

What's Not Included

  • Treatment for any mental illness or psychiatric illness
  • Expenses incurred on cosmetic or aesthetic treatments
  • Treatment of injuries caused due to war, invasion, unrest, etc.
  • Vaccination or inoculation unless a part of post-bite treatment.
  • Cost of spectacles, contact lenses, hearing aids

5639 Bajaj Allianz Cashless Network Hospitals in India

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Tax Gain User Reviews

4.7
Rating based on
298 User reviews
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What users are saying
  • All
  • Naveen Batra

    It has been a year since I purchased Tax Gain from Bajaj Allianz. Though I am yet to file a claim, I must say that I am satisfied with the overall purchase. Be it the buying process, plan features, claim settlement procedures, every aspect, especially OPD cover is so well defined. Really nice cover!

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    T
    By Tax Gain has superb OPD cover
    On: Oct 30, 2020
  • Thankful for this policy

    I want to appreciate insurancedekho team for helping me with this plan. Tax gain is a nice policy that comes at less premium rates. The benefits it gives you include pre and post hospitalisation expenses, 130 daycare procedures, emergency ambulance, OPD expenses & hospitalisation expenses, and more. I give 7 out of 10 to this plan.

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    T
    By Tanuja Tiwari
    On: Feb 27, 2020
  • Tax gain is a nice policy

    It has been around 26 days that i purchased this policy. It is a floater health plan that covers me for OPD expenses & hospitalization expenses under a single policy. People below 45 years of age are exempted from the pre-policy medical tests. Apart from lifelong renewability option, daycare procedures, ambulance cover and others are available.  

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    D
    By Durga Prasad
    On: Feb 19, 2020
  • Excellent bajaj plan

    It has been around 15 days that i bought this tax gain plan. I am highly satisfied that i have to pay low premium amount and also because i am being covered for pre and post hospitalisation, around 130 daycare procedures, emergency ambulance charges, expenses for crutches, outpatient expenses & hospitalisation expenses, and many more. 

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    S
    By Shubham Kumar
    On: Feb 13, 2020
  • Good job by bajaj

    I am really very much satisfied with tax gain policy by bajaj. I have recently bought this policy and am covered for outpatient expenses (OPD) & hospitalization expenses under a single policy. Along with lifelong renewability, i have got covered for daycare procedures, ambulance cover and many other benefits. I give this policy 8 out of 10. 

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    R
    By Rekha Jain
    On: Feb 06, 2020
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Bajaj Allianz Tax Gain Expert Review

  • Expert Review

    When it comes to illnesses, merely an in-patient cover falls insufficient sometimes. Hospitalisation is not required every time, hence an outpatient coverage is necessary which is offered by Tax Gain. The plan holds a lot of features such as out-patient expenses, in-patient hospitalisation costs, ambulance charges cover, daycare procedures, free health check-up, and so on. These factors derive it as an affordable and profitable plan. 

    In addition to these benefits, the plan offers the sum insured within a range of Rs. 1 Lakh and Rs. 3 Lakh. The coverage age under this plan is between 18 years and 75 years that is available with a lifetime renewability option. The policy delivers for the basic requirements as well such as free health check-up that is rendered after every 4 claim-free policy periods. This is a plan that can be availed by every family and can be regarded as an ideal one. 

  • Major Attractions

    The Tax Gain Plan is a blend of several features and offerings that can support policyholders in dealing with in-patient as well as out-patient expenses. Apart from that, a sufficient amount of sum insured is also provided to the policyholders under this plan. Here are the offerings that hold the biggest contribution in attracting the customers:

    • Pre and post hospitalisation costs are covered
    • Out-patient expenses & hospitalisation expenses
    • Coverage is offered for self or proposer and spouse
    • Cashless facility is available in empanelled network hospitals
    • In-house claim processing by the health administration team
    • Emergency ambulance charges maximum up to Rs. 1,000
    • The plan owns the availability of lifetime renewability option
    • Free health-check up after every 4 claim-free policy periods
    • Separate plan for senior citizens with OPD & hospitalization benefits

  • What’s More?

    The Tax Gain Plan holds immense benefits to deliver peace of mind to the customers with its attractive features. But, the plan acquires many more components in its arsenal which are the ones that assure the nobility and reliability of this plan. Here are a few of those offerings:

    • The option of portability is available
    • A grace period of 30 days is permissible
    • Tax benefits can be gained on the premium
    • Free-look period of 15 days for new policies

  • Conclusion

    This Tax Gain plan is stuffed with enough features and benefits that can help in going through an in-patient as well as out-patient expenses. Its coverage is not limited to young people only but covers senior citizens as well. In addition to these, some advantageous components like in-house claim settlement, innovative package and so on are also available under this plan that makes it a perfect plan for people above 18 years. 

    Buying this health insurance plan has become a cup of tea for all through InsuranceDekho website which is an online platform that allows people to buy the plan after finding out coverage needs. You can, therefore, assess your needs and then choose the most suitable variant of the plan through InsuranceDekho’s website.

Bajaj Allianz Tax Gain Brochure

  • 374.48 KB
  • PDF Document
  • Nov 15, 2019
Download PDF

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Tax Gain Health Insurance Plan

  • What are the sum insured options available under this Tax Gain Plan?

    This Tax Gain Plan offers the sum insured options within the range of Rs. 1 Lakh to Rs. 3 Lakh. 

  • What are the entry and exit age applicable under this health insurance policy?

    This plan has 4 variants and the entry and exit age of this policy vary from variant to variant where entry age is 18 years to 55 years under Plan A, B and C, while the entry age ranges between 56 years and 75 years for senior citizens plan D.

  • Who all can find the coverage under this Tax Gain Plan?

    This health insurance policy offers coverage to self or proposer and spouse. 

  • Can I get a free medical check-up under this health insurance policy?

    Yes, free health check-up is offered under this plan at designated Bajaj Allianz Empanelled Diagnostic centres after every 4 claim-free policy periods.

  • What are the features offered under this policy?

    The features provided under this plan are out-patient expenses, in-patient hospitalisation costs, ambulance charges cover, daycare procedures, free health check-up, expenses for crutches and so on. 

  • Does Tax Gain policy hold any co-payment option?

    Yes, 10% co-payment of the admissible claim amount applicable if treatment is taken in non-network hospital. Waiver of co-payment is available on payment of loading on premium. 

  • Can I port myself from my existing policy to the Tax Gain Plan?

    Yes, as per the portability rules regulated by IRDA, If you are insured under any other health plan of a non-life insurer, you can transfer to Tax Gain policy with all your accrued benefits after due allowances for waiting periods and enjoy all the available benefits of Tax Gain Policy.

  • Can I claim for cataract treatment under this health insurance plan?

    Yes, in the case of cataract related claims, the amount of 10% of the sum insured within the range of Rs. 12,000 and Rs. 25,000 is payable after a waiting period of 2 years.

  • What if I don’t like the policy after purchasing it?

    If you are not satisfied with policy coverage, terms and conditions, you have the option of cancelling the policy within 15 days of receipt of the first-year policy documents, provided there has been no claim.

  • Does investing in this Tax Gain Plan help me in gaining the income tax waiver?

    Yes, the income tax benefit under Sec 80D of the IT Act on the premiums paid.

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