Insurance

Bajaj Allianz General Insurance Co. Ltd.

Bajaj Allianz General Insurance Co. Ltd.

Bajaj Allianz General Insurance Company Limited was started after a joint-venture between Allianz SE and Bajaj Finserv Limited. Allianz SE is a leading insurance conglomerate with operations in over 70 countries. Bajaj Bajaj Finserv Limited  is a part of the Bajaj Group, India's second-biggest two-wheeler maker.

Bajaj Allianz General Insurance offers insurance products including motor insurance, asset insurance, health insurance, travel insurance, and corporate insurance. The company also offers some unique insurance products like personal accident cover for Amarnath yatris, film insurance, event management cover, and sports & entertainment insurance.


Health Guard

Features
  • The member has cashless facility at over 2900 hospitals across India
  • Access to cashless facility at various empanelled hospitals across India as well.
  • Pre and post hospitalization expenses will cover relevant medical expenses incurred for 60 days prior to and 90 days after hospitalisation.
  • Covers ambulance charges in an emergency subject to a limit of Rs.1000/-.
  • No tests required for members below the age of 45, up to a sum insured of Rs.10 lakhs.*
  • 10% co-payment applicable if treatment is taken in non-network hospitals.
  • No tests required up to 45 years up to SI 10 lacs*
  • 10% co- payment applicable if treatment taken in non-network hospitals. Waiver of co-payment is available on payment of additional premium
  • Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz.
  • Waiver on 10% co-payment is available on payment of additional premium.
  • Pre-existing diseases will be covered after 4 years of continuous policy renewal with Bajaj Allianz.
Coverage
  • Sum insured from Rs.1 lakh to Rs.10 lakhs can be opted for a period of 3 months to 55 years.
  • Sum insured from Rs.1 lakh to Rs.5 lakhs can be opted for a period of 56 months to 65 years. Policy can be renewed up to 80 years.*
  • In built E-opinion cover for sum insured Rs.5 lakhs and above.
Benefits
  • In house Health Administration Team for hospitalisation claims to lower turn around time
  • Access to over 2900 hospitals all over India for cashless facility.
  • No Sub-limits applicable on room rent and other expenses.
  • Hassle-free claim settlement due to In-house claim administration.
  • Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
  • Health Check up for maximum amount of Rs. 1000 /- at the end of continuous four claim free years
  • Family discount of 10% is applicable
Exclusions
  • A waiting period of 4 years will be applicable, in the case of pre-existing diseases.
  • Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.
  • Diseases such as hernia, piles, cataract, sinusitis, etc. shall be covered after a waiting period of 2 years.
  • Certain diseases such as joint replacement surgery, surgery for prolapsed inter vertebral disc (unless necessitated due to accident), surgery to correct deviated nasal septum and hypertrophied turbinate, congenital internal diseases or anomalies and laser treatment for correction of eye sight due to refractive error will be covered after a waiting period of 4 years.
Eligibility
  • Entry age for proposer is 18 years-65 years. The policy can be renewed upto 80 yrs.
  • Children aged 3 months to 5 years are eligible if both parents are insured with Bajaj Allianz.
Officieal Website of Bajaj Allianz General Insurance Co. Ltd.

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