I/We hereby give voluntary consent to BAGIC/Company to share my/our personal information and data provided in this proposal form with its group companies or any other person in connection with the Insurance Policy or otherwise, including for providing products and services of group companies that may be of interest to me/us, to be used in accordance with their respective privacy policies and subject to appropriate measures being in place to safeguard my/our personal information.
Cashless treatment at 18,400 + network hospitals*
In-house health administration team
Cover 09 plans/options with Health Prime Rider
Health insurance plans provide financial protection by covering medical expenses for illnesses or injuries. These plans pay for hospitalisation, medical treatments, surgical procedures, and maternity expenses, helping you avoid paying high medical bills out-of-pocket. In India, having health insurance is vital because it ensures you can access quality healthcare without worrying about costs. Different policies cater to various needs, so choosing the right one is essential to secure your health and financial well-being. Whether it's for yourself or your family, health insurance offers peace of mind and support during medical emergencies, making it an important investment.
Having the best health insurance in India is essential due to the ever-increasing cost of healthcare services. Medical emergencies can happen at any time, often without warning, leading to substantial financial burdens. A top-tier health cover plan ensures you get the necessary medical attention without the added stress of high expenses. These policies typically cover a wide range of medical costs, including hospitalisation, pre- and post-treatment care, surgeries, and even critical illnesses.
One of the significant advantages of having the best health insurance in India is the cashless treatment facility. With this benefit, insured can receive treatment at network hospitals without the need to pay upfront; the insurer settles the bills directly with the hospital. This simplifies the process and ensures timely medical intervention.
Additionally, comprehensive health insurance policies offer access to an extensive network of hospitals, providing quality healthcare services across the country. This network ensures that you have the flexibility to choose from various hospitals and medical professionals for your treatment.
Another crucial benefit of the best health insurance plans in India is the tax savings* they offer. Under Section 80D of the Income Tax Act, the premiums paid for health insurance policies are eligible for deductions, thereby reducing your taxable income. This makes health insurance not only a health safeguard but also a financially prudent choice.
Investing in the best health insurance plan in India is a proactive measure to protect your health and financial stability. It provides comprehensive coverage, access to quality healthcare, cashless treatment options, and tax benefits, ensuring peace of mind during medical emergencies.
Financial protection against medical expenses due to illness or injury.
Hospitalisation, day care treatments, surgical procedures, critical illnesses, pre- and post-treatment care.
Individual, Family Floater, Senior Citizen, Critical Illness, Top-Up, Personal Accident, Group.
Key Benefits
Cashless treatment, tax savings* under Section 80D, access to a wide network of hospitals.
Ensures access to quality healthcare without financial strain, vital due to rising healthcare costs.
Eligibility
Typically, individuals aged as young as 3 months can apply with options for senior citizens and specific needs.
Premium Factors
Age, health condition, lifestyle, coverage amount, and policy type.
Premium Details for Individuals up to 20 years of age:
- Insured Age: Upto 20 Years
- Sum Insured: INR 3,00,000
- Premium Per Day: INR 14.87
The mentioned amount includes GST.
Tax Benefits*
Deductions on premiums paid under Section 80D of the Income Tax Act.
Claim Process**
Cashless and reimbursement options; notify the insurer, submit documents, and get the claim settled.
When it comes to health insurance, Bajaj Allianz General Insurance is indeed at the forefront of the country with its diverse range of cost-effective plans. We offer you the following features with our health insurance policies:
Cashless network hospitals
18,400+ across the country
Cashless Claim Settlement Time
Within 60 minutes for cashless claims
Claim Process
Cashless and reimbursement process
In-house Health Administration Team for faster claims processing
Cumulative Bonus
Under the Health Guard plan, if a policy is renewed without break and without any claims in the preceding year, then the sum insured is increased by 50% for the first 2 years.
And 10% per annum for the next 5 years.
Maximum up to 150% of the sum insured. The cumulative bonus feature can vary for other health insurance products..
Health Claim on Direct Click is an app-based feature that allows policyholders to initiate & track claims easily. The policyholders can make claims for medical expenses up to Rs 20,000
Sum Insured
Multiple sum insured options
Why Buy Health Insurance With Us?
Health insurance plans are designed to meet the diverse needs of individuals and families, ensuring that everyone has access to the necessary medical care. Understanding the different types of health insurance plans can help you choose the one that best suits your requirements.
Individual health insurance covers a single person. It provides a sum insured amount that can be used to cover various medical expenses such as hospitalisation, surgeries, and treatments. This type of plan is ideal for those who need personal coverage and want to ensure that their healthcare needs are fully met without relying on others.
Family floater health insurance covers the entire family under a single sum insured. This means that all members of the family, including spouse, children, and sometimes even parents, can share the coverage. It is cost-effective because you pay a single premium for the entire family, rather than separate premiums for each member. It offers comprehensive coverage for all family members, making it a popular choice for families.
Senior citizen health insurance is designed for individuals above the age of 60. It provides coverage for age-related medical conditions and treatments. This type of plan typically includes benefits such as a higher sum insured, coverage for pre-existing diseases after a waiting period, and specialised care for the elderly. It ensures that senior citizens have access to the necessary healthcare without financial strain.
Critical illness insurance provides a lump sum benefit upon the diagnosis of specific critical illnesses like cancer, heart attack, stroke, and more. The lump sum can be used to cover treatment costs, pay off debts, or support your family during a challenging time. This type of insurance is crucial as it offers financial support when dealing with life-threatening conditions.
Top-up health insurance offers additional coverage beyond your existing health insurance policy. It is ideal for covering high medical expenses that exceed the sum insured by your base policy. For instance, if your base policy covers up to ₹5 lakh, a top-up plan can provide extra coverage for expenses beyond that limit.
Personal accident insurance covers expenses related to accidents. This includes accidental hospitalisation, disability, and accidental death benefits. It ensures financial protection against unforeseen accidents, providing support for medical bills, loss of income, and other related costs.
Group health insurance is provided by employers to their employees. It offers basic health coverage, including hospitalisation, surgeries, and sometimes even maternity benefits. This type of plan is beneficial as it provides coverage at no or minimal cost to employees, ensuring their health needs are met.
This specialised health insurance plan covers diseases transmitted by vectors such as mosquitoes. It includes coverage for diseases like dengue, malaria, and chikungunya. These plans are especially useful in areas prone to such diseases, providing financial protection and access to necessary treatments. Understanding these different types of health cover plans can help you choose the one that best meets your needs and ensures comprehensive coverage for you and your family.
Health insurance in India provides essential medical coverage and significant tax benefits under Section 80D of the Income Tax Act. These benefits make health insurance an attractive financial tool for managing healthcare expenses and reducing taxable income.
Under Section 80D, individuals can claim deductions on the premiums paid for health insurance policies for themselves, their families, and their parents. For individuals under the age of 60, the maximum deduction allowed is ₹25,000 per year. This deduction includes premiums paid for a health insurance policy covering the individual, their spouse, and dependent children.
For senior citizens, aged 60 and above, the tax benefits are even more substantial. The maximum deduction for health insurance premiums for senior citizens is ₹50,000 per year. This includes premiums paid for a health insurance policy covering the senior citizen and their spouse. If an individual is paying premiums for health insurance policies for their senior citizen parents, they can claim an additional deduction of ₹50,000, making the total possible deduction ₹75,000 if the individual and their parents are all above 60 years old.
Moreover, preventive health check-up expenses up to ₹5,000 can also be claimed as part of the overall deduction limits. This incentive encourages individuals to invest in regular health check-ups and maintain good health.
These tax benefits significantly reduce the financial burden of paying health insurance premiums. They provide a dual advantage of ensuring comprehensive health coverage and lowering taxable income, making health insurance policies a wise investment. By leveraging these benefits, individuals can achieve financial savings while securing their and their family’s health needs.
Selecting the best medical insurance policy in India requires careful consideration of several factors to ensure you receive comprehensive coverage that meets your needs.
Health insurance premiums are determined by various factors that insurers use to assess the risk associated with providing coverage. Understanding these factors can help you make informed decisions and possibly find ways to reduce your premiums. Here are the key factors that influence health insurance premiums:
Eligibility
As per the opted base policy
- 1 year, 2 years, or 3 years as per the term of the base plan
- Up to 5 years maximum for group products, as per the base policy tenure
To be paid via the same installment premium option as the base health policy (yearly, half-yearly, quarterly, and monthly modes), with any effective changes applicable to both.
- A 30-day waiting period is applicable on all covers
- Waiting period for pre-existing diseases will be applicable as per the base policy
*Disclaimer: Please refer to the policy wordings for complete terms and conditions carefully.
When purchasing health insurance in India, you'll need to provide several documents to complete the process. Here are the essential documents you must submit:
Provide recent passport-sized photographs as part of your application.
Complete and submit the policy proposal form provided by the insurance company.
You can submit any of the following documents as proof of residence:
Any of the following documents can serve as proof of age:
✓ 10th and 12th class mark sheet
The following documents are acceptable as proof of identity:
Depending on the coverage you choose, your age, medical history, current lifestyle choices, and your residential address, additional documents may be required.
Bajaj Allianz General Insurance Company offers a variety of health cover plans designed to cater to the diverse needs of individuals and families. Each plan comes with unique benefits and coverage options, ensuring comprehensive financial protection against medical expenses.
Sum Insured
Key Features
Things to Note
Value-Added Benefit
Hospitalisation, ambulance, day-care procedures
Waiting periods apply: Pre-existing diseases (36 months), initial (30 days)
Riders: Health prime, non-medical expenses, wellness, daily cash for accompany child, recharge benefit and maternity expenses
Hospitalisation, ambulance, day-care procedures
Waiting periods apply: Pre-existing diseases (36 months), initial (30 days)
Riders: Health prime, non-medical expenses, wellness, daily cash for accompany child, recharge benefit and maternity expenses
Hospitalisation, ambulance, day-care procedures
Waiting periods: Initial (30 days), pre-existing diseases (36 months)
Indemnity payouts and multiple room rent options
Hospitalisation, day-care, ambulance, and modern treatment cover
Waiting periods: Initial (30 days), pre-existing conditions (48 months)
5% co-pay, cumulative bonus
₹1L - ₹50L (up to ₹10L for 61-65)
Lumpsum for critical illnesses
Initial waiting: Critical illnesses (90 days)
Lifetime renewal, specific illness coverage
Global Personal Guard
Hospitalisation, loss of income, and adventure sports cover
Additional benefits: Air ambulance, coma, fracture care
Wellness discount, children education
Hospitalisation, day-care, modern treatments
Waiting periods: Initial (30 days), pre-existing conditions (48 months)
Optional air ambulance, vector-borne illness cover
Extra Care Plus
Flexible deductible options
Waiting periods: Initial (30 days), pre-existing conditions (12 months)
Maternity, free check-up
Lumpsum for specific diseases
Waiting period: 60 days for renewed claims
Coverage for listed vector-borne diseases
Bajaj Allianz General Insurance Company health insurance plans are designed to provide extensive coverage for COVID-19, including newer variants such as Omicron. This comprehensive protection ensures that the insured receives necessary medical care without facing financial strain during the pandemic.
Bajaj Allianz General Insurance Company health insurance plans cover hospitalisation expenses related to COVID-19. This includes room charges, ICU fees, doctor's fees, and the cost of medicines and treatments administered during the hospital stay. Whether the hospitalisation is at a network hospital or a non-network hospital, the insurer ensures that the insured is financially protected.
One of the significant benefits of Bajaj Allianz General Insurance Company health insurance is the cashless treatment facility available at network hospitals. This means that the insured can receive treatment without having to make upfront payments, as the insurer directly settles the hospital bills. This feature is particularly beneficial during emergencies when arranging funds immediately can be challenging.
Bajaj Allianz General Insurance Company plans also cover pre and post-hospitalisation expenses related to COVID-19. This includes the cost of diagnostic tests, doctor consultations, and medications required before and after the hospital stay.
Recognising the need for flexible treatment options, Bajaj Allianz General Insurance Company health insurance plans include coverage for home care treatment for COVID-19. This ensures that the insured who opt for home isolation and treatment can claim expenses related to medical consultations, nursing charges, and medications. This is particularly useful for patients with mild symptoms or those who prefer to recover at home.
In cases where hospital beds are unavailable, Bajaj Allianz General Insurance Company health insurance policies provide coverage for domiciliary hospitalisation. This allows the insured to receive necessary medical care at home, ensuring they are not left without treatment options during critical times.
Understanding the mental health challenges posed by the pandemic, Bajaj Allianz General Insurance Company health insurance plans also offer mental health support. This includes coverage for teleconsultations with mental health professionals, helping the insured manage stress and anxiety during these uncertain times.
Bajaj Allianz General Insurance Company provides extensive health insurance coverage, ensuring comprehensive protection for the insured against various medical expenses. The broad range of coverage options is designed to cater to diverse healthcare needs, offering peace of mind and financial security.
Bajaj Allianz General Insurance Company health insurance plans cover inpatient hospitalisation expenses, which include room charges, ICU charges, doctor consultations, and surgical procedures. This coverage ensures that the insured receives necessary medical treatment without worrying about the cost. Whether it's a minor surgery or a major operation, the insurer takes care of the hospitalisation expenses, allowing the insured to focus on their recovery.
Pre and post-hospitalisation expenses are also covered under Bajaj Allianz General Insurance Company health insurance plans. This includes costs incurred for diagnostic tests, consultations, and medications required before and after hospitalisation. This comprehensive coverage ensures that the insured is protected from financial burdens both before and after their hospital stay.
Bajaj Allianz General Insurance Company health insurance plans cover the cost of ambulance services required for transporting the insured to the hospital. This includes emergency ambulance services, ensuring that the insured can access timely medical care without worrying about transportation costs.
Many medical treatments and procedures no longer require extended hospital stays. Bajaj Allianz General Insurance Company health insurance plans cover day-care procedures, which are treatments that require less than 24 hours of hospitalisation. This includes surgeries and other medical procedures that can be completed on the same day. By covering day-care procedures, Bajaj Allianz General Insurance Company ensures that the insured can access necessary treatments without the need for prolonged hospital stays.
One of the standout features of Bajaj Allianz General Insurance Company health insurance is the cashless treatment facility available at network hospitals. This allows the insured to receive treatment without having to make any upfront payments. The insurer directly settles the bills with the hospital, making the process seamless and stress-free. This feature is particularly beneficial during emergencies when immediate financial arrangements can be challenging.
Bajaj Allianz General Insurance Company health cover plans often include coverage for preventive health check-ups. These check-ups help in the early detection and management of potential health issues, promoting overall well-being. Regular health check-ups can prevent major health problems and ensure timely medical intervention.
Reducing health insurance premiums is a key concern for many individuals and families. While comprehensive coverage is essential, there are ways to manage and lower the cost of premiums. Here are some effective strategies:
Bajaj Allianz General Insurance Company health insurance plans are designed to provide extensive benefits that ensure comprehensive medical coverage and financial relief during medical emergencies. Here are some of the key benefits:
Bajaj Allianz General Insurance Company offers options to enhance the basic coverage of their health insurance plans through various riders. These riders allow the insured to customise their plans to better suit their needs. For example, you can opt for critical illness riders and additional top-up plans to ensure higher coverage limits. These add-ons provide extra layers of protection and can be tailored to address specific health concerns or family requirements.
Health cover plans also offer significant tax benefits. Under Section 80D of the Income Tax Act, the premiums paid for health insurance policies are eligible for deductions, reducing your taxable income. Individuals can claim deductions up to ₹25,000 for premiums paid for themselves, their spouse, and dependent children. If the insurance covers senior citizen parents, the deduction limit extends to ₹50,000, making it a financially savvy choice.
Pre and post-hospitalisation expenses
Dental treatments (non-traumatic)
Buying health insurance online is a convenient process that can be completed in a few simple steps:
This efficient process ensures that you can secure health insurance quickly and easily from the comfort of your home.
Bajaj Allianz General Insurance Company offers a simple and efficient claim process to ensure quick and hassle-free settlements. Here's how it works:
Purchasing health insurance at an early age is a strategic decision that comes with numerous benefits, ensuring long-term financial protection and peace of mind. Here are several compelling reasons why it’s advantageous to secure a health insurance plan early:
Health insurance is a critical aspect of financial planning and health management, yet several myths often prevent people from investing in it. Understanding the facts behind these myths can help you make informed decisions and ensure you have the necessary coverage.
One common misconception is that health insurance is too costly and beyond the reach of many. However, the truth is that there are numerous affordable health insurance plans available in the market. These plans offer various levels of coverage, allowing you to choose one that fits both your budget and healthcare needs. For instance, basic plans cover essential medical expenses at lower premiums, while comprehensive plans offer wider coverage for a higher premium.
Many young and healthy individuals believe they do not need health insurance. This myth can lead to significant financial strain if an unexpected health emergency occurs. Health issues can arise at any age, and accidents or sudden illnesses can lead to high medical costs. Having health insurance provides financial protection and ensures that you receive timely and quality medical care without worrying about expenses. Moreover, purchasing health insurance at a young age can be more cost-effective, as premiums are typically lower for younger, healthier individuals.
Employees often rely solely on their employer-provided group health insurance, assuming it offers adequate coverage. While group health insurance is beneficial, it often comes with limitations such as lower sum insured and fewer benefits compared to individual health plans. Additionally, group insurance coverage ends when you leave the job, leaving you uninsured during job transitions. An individual health insurance policy provides more comprehensive coverage tailored to your specific needs and ensures continuous protection regardless of employment status.
Understanding these common health insurance myths and the facts behind them can help you make better decisions about your healthcare coverage. Investing in the right health insurance plan ensures financial security and access to necessary medical services, safeguarding your health and well-being.
Calculating health insurance premiums is a simple process, thanks to the availability of online premium calculators. These tools help you estimate the cost of your health insurance policy based on several key factors. Here’s how to calculate your health insurance premiums:
Choosing the right health insurance policy is crucial for ensuring that you have adequate coverage and financial protection in the event of a medical emergency. Here are some important factors to consider before making a decision:
One of the most critical aspects to look at when buying a health insurance policy is the extent of coverage it provides. Ensure the policy covers major medical expenses such as hospitalisation, surgeries, treatments, and pre and post-hospitalisation costs. Comprehensive coverage should also include critical illnesses, maternity benefits, outpatient treatments, and day-care procedures. Evaluate your and your family’s health needs and choose a plan that covers potential medical expenses without leaving any significant gaps. Opting for a policy with broader coverage might mean a slightly higher premium, but it ensures peace of mind knowing that you are well-protected.
The insurer’s network of hospitals plays a significant role in the convenience and accessibility of medical services. Check if the health insurance provider has a wide network of hospitals, including reputable and accessible facilities in your area. A large network of hospitals ensures that you can avail of cashless treatment, where the insurer directly settles the hospital bills. This feature is particularly beneficial during emergencies when immediate financial arrangements can be challenging. Additionally, having a wide network means you have the flexibility to choose from various hospitals and specialists, ensuring you receive quality medical care.
A hassle-free claim process is essential for a smooth experience during medical emergencies. Research and choose insurers known for their efficient and transparent claim settlement processes. Look for insurers with a high claim settlement ratio, which indicates their reliability in processing claims. Understand the claim procedures, documentation requirements, and the average time taken for claim settlement. Reading reviews and testimonials from existing insured can provide insights into the insurer’s claim-handling efficiency. An insurer with a straightforward and quick claim process reduces the stress and financial burden during hospitalisation, ensuring timely medical care.
Selecting the right health insurance company is crucial to ensure that you receive reliable coverage and efficient service. Here are some key factors to consider when choosing the best health insurance provider:
