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Bajaj Allianz Health Insurance

Author: Tanuja Koshy
by Tanuja Koshy
Posted: Mar 23, 2020

Nowadays, health issues are a major concern for an individual. Therefore, there are many insurance companies that promise to cover all the risks associated with an individual’s health. One of the leading companies that provides health insurance is Bajaj Allianz. You can take the Bajaj Allianz Health Insurance to cover all the risks related to your health at a very nominal premium. There are several health plans that are offered by Bajaj Allianz depending upon the need and urgency of the individual. Have a look at all the risks that are covered under the Insurance and the reasons for choosing Bajaj Allianz for taking the insurance.

Health Insurance Policies from Bajaj Allianz

Before you take a look at the various health insurance policies, you must see the benefits of taking the insurance from Bajaj Allianz.

Benefits of Choosing Bajaj Allianz for Health Insurance
  1. It is one of the leading health insurance providers across India.
  2. In the year 2018-19, it provided more than 15.9 Lacs claims.
  3. Bajaj Allianz provides cashless claims facility at over 6500 hospitals.
  4. The insurer can settle the claim within 1 hour.
  5. The individuals enjoy round the clock support to settle the claims.
  6. Multiple Health Plans according to the need of the consumer.
Major Health Insurance Plans from Bajaj Allianz

You can explore all the demanded health insurance plans of Bajaj Allianz. Some plans are related to the critical illness and some are related to the plans for individuals and families.

Individual Health Insurance

This insurance plan is for the individuals where they can insure a sum ranging from?1.5 Lacs to?50 Lacs. In this insurance, the individual can cover his family members as well including parents, siblings, and in-laws on an individual basis. Here are some other features of this health insurance.

  1. This insurance covers the expenses of up to?20000 done at the Homeopathic and Ayurvedic treatments.
  2. The Ambulance Expenses after the discharge of the patient are also covered up to?20000.
  3. It covers surgeries and daycare expenses as well.
  4. It also provides cover to the Bariatric Surgery under certain terms and conditions.
  5. The expenses of 60 days before the hospitalization and 90 days after hospitalization are covered under this Bajaj Allianz Health Insurance.
  6. This insurance covers the health expenses done on a newborn baby under certain terms and conditions.
  7. This Policy can be purchased for a tenure of 1, 2, and 3 years.
Bajaj Allianz Health Infinity Plan

Under this policy there is no limit for the sum insured. You can take health insurance with any amount depending upon your risk. It covers all the expenses 60 days prior to hospitalization and 90 days post-hospitalization. It covers your family members as well including spouse, children, and parents on an individual basis.

  1. Ambulance expenses up to?5000 are covered under this plan.
  2. The hospital room rents between the range of?3000 to?50000 are also covered in this plan.
  3. The individuals can also take preventive health checkups in a span of 3 policy years.
  4. It also covers the medical expenses that incur in the listed daycare procedures.
  5. You can take this policy for a duration of 1, 2, and 3 years.
  6. One can also enjoy tax benefits under section 80D of the Income Tax Act.
Critical Illness Policy

This insurance covers 10 critical illnesses like Aorta Graft Surgery, Cancer, Coronary Artery Bypass Surgery, First Heart Attack, Kidney Failure, Major Organ Transplant, Multiple Sclerosis with persisting symptoms, Permanent Paralysis of Limbs, Primary Pulmonary arterial hypertension, and stroke. All these life-threatening illnesses are covered under this policy.

  1. One can compensate the expenses of 10 critical illnesses under this insurance.
  2. You can also increase the sum insured at the time of renewal by increasing the premium.
  3. All the family members are covered under this plan including your child above the age of 6 years.
  4. The sum insured between the age of 6 years to 60 years is?1 Lac to?50 Lacs.
  5. The sum insured between the age of 61 years to 65 years is?1 Lac to?5 Lacs.
  6. 100% payout is given to the insurer if the critical illness is diagnosed and the patient has survived for more than 30 days.
Extra Care Plus Insurance Policy

This plan is for the extra indemnification by the company. The individuals with the age of 80 years can even take this policy and ensure their health risk. It also gives the maternity cover to women and all the complications related to maternity.

  1. You have a wide range of the sum to be insured in this policy.
  2. It gives maternity cover and covers all the expenses related to maternity problems.
  3. Get an Emergency Ambulance cover of up to?3000 in this Bajaj Allianz Health Insurance.
  4. Individuals above the age of 55 years have to go through a pre-policy health checkup
  5. You can cover the existing disease as well after the expiration of 12 months.
  6. All the hospitalization expenses 60 days before and 90 days after hospitalization are covered.
  7. Individuals up to 80 years can also take this insurance.
M-Care Health Insurance Plan

This plan is basically for the risk of diseases that are caused by mosquitoes like dengue, malaria, chikungunya, and zika viruses. It will cover all your medical expenses done to cure the disease caused by mosquitoes.

  1. The Sum insured in this policy is between?10000 to?75000.
  2. It covers all the family members including the policy taker, spouse, dependent children, and parents.
  3. Enjoy a Discount of 20% on buying the policy from the official website of Bajaj Allianz.
  4. You get a free look period for 15 days in this policy.
  5. The minimum and the maximum age of the claimer must be 18 years and 65 Years respectively.
  6. 0 Days old children can get the insurance claim.
Conclusion

Now, after exploring all the Bajaj Allianz Health Insurance Policies it would be easy for you to decide the best for yourself. First of all, you should analyze your needs for taking a health insurance and then choose a plan. Uncertainties might occur anytime so it is better to speculate the risk and take proper health insurance for yourself and for your family. It will definitely protect you from the financial disasters that occur at the time of a medical emergency.

About the Author

I am Tanuja Koshy working with one of the leading online insurance aggregators as a General Manager. I manage and drive online investments, short term and long term insurance like home insurance, travel insurance, health insurance, term insurance.

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Author: Tanuja Koshy

Tanuja Koshy

Member since: Nov 11, 2019
Published articles: 13

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