Due to the skyrocketing medical expenses, it has become very difficult to bear the burden of medical costs. This gives birth to medical ignorance and medical delay. To address this situation, different insurance companies have developed several health insurance plans that help individuals keep themselves safe and secure financially against medical expenses. Regarding health insurers, Bajaj Allianz Health Insurance is worth mentioning as it is one of India’s leading and popular health insurance companies. Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, the world’s leading insurer, and Bajaj Finserv Limited. Bajaj Allianz Health Insurance caters to individuals across demographics of the country with its wide range of products and services. Having more than 8000 network hospitals spread all over the country and a healthy Combined Ratio of 100.3% and Solvency Ratio of 3.73% for the financial year of 2022-2023, this health insurance company is the solution for everyone to insure him/herself against a wide array of diseases and ailments.
Importance of Bajaj Allianz Health Insurance Plans
This health insurance company offers a wide range of health insurance products and immunises insured persons from multiple illnesses and diseases critical health conditions, Covid-19, general diseases, psychiatric disorders, diabetes, unique health hazards, and many more. Keeping in mind the uprising health costs, the company has also offered top-up health plans that act as a cushion cover to the existing health plan. The customer care service and the network hospitals are always in service of the insured persons so that they can avail of the benefits and facilities without any hazards and keep themselves healthy and secure without worrying about their finances. Once a policy-seeker has opted for a health plan from Bajaj Allianz General Insurance Company, the rest will be assured.
What Are The Health Insurance Policies Offered By Bajaj Allianz Health Insurance?
Bajaj Allianz General Insurance Company has come up with a sack full of health products to cater to the varied needs of different individuals. Some of the important mentions are as follows.
- Individual Health Insurance
- Family Health Insurance
- International Health Insurance
- Health Infinity Plan
- Arogya Sanjeevani Policy
- Corona Kavach Policy
- Top-up Health Insurance
- Criti Care Policy
- Critical Illness Insurance
- Global Personal Guard
- Senior Citizen Health Insurance
- MCare
- Saral Suraksha Bima
list of covered diseases by Bajaj Allianz Health Insurance Policies
This company offers protection and security against a wide array of illnesses, diseases, and medical procedures. Some of the important mentions are as follows.
| Serial Number | Name of the diseases/illnesses and procedures covered |
| 1. | Bariatric surgery |
| 2. | Mental illness |
| 3. | AYUSH treatment |
| 4. | First Heart Attack (Myocardial Infarction) |
| 5. | Open Chest CABG (Coronary Artery Disease Requiring Surgery) |
| 6. | Stroke Resulting in Permanent Symptoms |
| 7. | Cancer of Specified Severity |
| 8. | Kidney Failure Requiring Regular Dialysis |
| 9. | Major Organ Transplantation |
| 10. | Multiple Sclerosis with Persisting Symptoms |
| 11. | Surgery of Aorta |
| 12. | Primary Pulmonary Arterial Hypertension |
| 13. | Permanent Paralysis of Limbs |
| 14. | Cancer Reconstructive Surgery |
| 15. | The vaporisation of the prostrate (Green laser treatment or holmium laser treatment) |
| 16. | Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions |
| 17. | Immunotherapy- Monoclonal Antibody to be given as an injection |
| 18. | Uterine Artery Embolization and HIFU |
| 19. | IONM -(Intra Operative Neuro Monitoring) |
| 20. | Vectorborne diseases (Dengue Fever, Malaria, Filariasis (Payable only once in a lifetime), Kala Azar, Chikungunya, Japanese Encephalitis, and Zika Virus) |
Benefits of Bajaj Allianz Health Insurance Plans
If an individual has bought a health policy from Bajaj Health Insurance, he/she is going to avail of a number of benefits as per the following.
Comprehensive Coverage:
The company’s health plans have come up with a robust and wide coverage that can offer comprehensive protection from diseases that can pose a danger to anyone’s life.
Easy Claim Settlement Process:
The company is super customer-friendly. To improve the customer experience, the company has developed an online claim settlement procedure that is easy and hassle-free. if all the documents are correct, the claim will be settled within the stipulated time without any problem.
Network Hospitals:
Bajaj Allianz has offered more than 8000 network hospitals spread all over the country so that the customers can select any one of these according to their choice within their vicinity. This facility also helps to avail of the cashless claim settlement facility.
Customer Service:
The company is well-connected to the consumers with the help of its huge number of employees, agents, brokers, and official branches. Their customer service is open 24×7 for customers. The customer executives are always ready to provide their service at the doorstep.
Lifetime Renewability:
Most of the health plans of Bajaj Allianz have come up with the facility of lifetime renewability. This enables an insured person to avail of the benefits of the coverage for the remainder of their life.
Online Facilities:
To keep pace with the growing demand for digitalization, the company has introduced an online facility. Most of the important health plans of the company are available online. Apart from that, renewal, claim registration, filing grievances, etc., can also be done using their official website.
Dynamic Products:
The company has presented not only a wide range of health insurance products but also these policies can be customized according to the convenience of the policy-seeker. One can choose the policy terms, the variant of the policy, the premium payment term, etc., as per his/her choice.
Conclusion
It is needless to say that obtaining a health insurance plan is very important if anyone wants to secure and protect health and finances, both. Health insurance plans act as a guard to combat the rising inflation of medical expenses. Moreover, Bajaj Allianz health insurance plans cover almost all the major diseases, medical procedures, and health risks that one is exposed to. But, while the policy-seeker is opting for health insurance, he/she needs to go through the inclusions and exclusions of the policy thoroughly to avoid future complications.
