Health Insurance
Bajaj Allianz
Bajaj Allianz General Insurance is a joint venture between Bajaj Finserv Limited (of Bajaj Group) and Allianz SE, a German financial services company. Founded in 2001, the company offers various health, travel, motor, and other general insurance products. It has health insurance products tailor made for individuals, senior citizens, families, and international travelers. It's health insurance has a network of cashless hospitals, an in-house health administration team. It provides 60mins claim settlements. It offers health insurance policies with life time renewability.
Bajaj Allianz Health insurance plans
Health Guard Silver
Health Guard Silver is a decent policy and is definitely an economical option. But with a low cover (less than 2 lakhs) and restrictions on the kind of rooms you can pick, maybe you ought to consider other options. Health-Guard Gold perhaps?
Health Guard Platinum
Health-Guard Platinum is definitely pricey. But it offers a whole host of benefits. It covers most bases. It doesn't include outrageous conditions. And it includes coverage for maternity (after 6 years of buying the policy, of course). So you definitely get a lot at this price, but maybe consider health guard gold before you lock this one?
Health Care Supreme Smart
Health Care Supreme Smart is a great policy. It covers most bases. It doesn't have any outrageous conditions. It doesn't make you wait too long before covering pre-existing diseases. And it even offers you adequate cover for outpatient consultations. The only caveat is that it's a fairly expensive policy and we wouldn't fault you if you sought other alternatives.
Silver Health
Bajaj Allianz Silver Health is a decent policy if you're 46 and above. And while they only make you wait 1 year before covering complications arising out of pre-existing diseases(like diabetes), you will have to bear 50% of the costs in such cases. And it's not exactly cheap either. So maybe you could look at other alternatives?
Extra Care Top-up
While it is a decent top up plan, it only allows you to pick a maximum cover of 15 lakhs. So if you're ever hospitalized for a complicated condition, then the cover might not suffice. More importantly in our opinion, it is never a good idea to buy a top up policy in the first place. Always choose a super to up plan and if you want to why, click here.
Health Guard Gold
Health-Guard Gold is a pretty good policy. It covers most bases. It doesn't include outrageous conditions. It offers a whole host of benefits including coverage for maternity (after 6 years of buying the policy, of course). And it isn't pricey either. A solid pick overall.
Health Care Supreme Vital
Health Care Supreme Vital is a great policy. It covers most bases. It doesn't have any outrageous conditions. It doesn't make you wait too long before covering pre-existing diseases. And it even offers you some cover for outpatient consultations. The only caveat is that it's a fairly expensive policy and we wouldn't fault you if you sought other alternatives.
Health Care Supreme Ultimo
Health Care Supreme is a great policy. It covers most bases. It doesn't have any outrageous conditions. It doesn't make you wait too long before covering pre-existing diseases. And it even offers you more than adequate cover for outpatient consultations. The only caveat is that it's a fairly expensive policy and we wouldn't fault you if you sought other alternatives.
Health Ensure Family Plan
It's a decent policy for your family and if any of you have pre-existing diseases (like diabetes), you can rest easy knowing that they'll cover complications arising out of these complications only after 2 years. But the policy does have a few unsavory conditions including limits on room rent. So you might want to read more.
Extra Care Plus Super Top-up
Extra Care Plus (Super Top-up) is an excellent option. It doesn't have any restrictions on the kind of room you can pick. It offers you the luxury of topping up your base cover by about 50 lakhs and it even offer maternity benefits after 1 year of buying the policy. All in all, one of the best super top up plan out there.
Bajaj Allianz Health insurance claim process
Bajaj Allianz claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Bajaj Allianz's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Bajaj Allianz Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Bajaj Allianz website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Bajaj Allianz health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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