Is Bajaj Allianz Medical Insurance good?

Bajaj Allianz Medical Insurance is a good option. It has a high claim settlement ratio, fast customer service, and a wide network of hospitals. It is trusted by many in India.

Should I buy Bajaj Allianz Medical Insurance online?

You can buy Bajaj Allianz health insurance online and offline, as per your convenience. Online is a more comfortable option as you just have to choose a plan via the website or contact a customer care agent, pay the premium and get your digital policy within a few minutes.

Do I get tax benefits with Bajaj Allianz?

Yes, you get the tax benefits with the Bajaj Allianz mediclaim policy.

Are ambulance charges covered in Bajaj Allianz Health Insurance?

Yes, ambulance costs are covered up to a fixed limit depending on your plan. The majority of Bajaj Allianz Health Insurance plans have this option.

How many hospitals are in the network?

Bajaj Allianz has over 18,400 network hospitals across India where you can get cashless treatment. You may find associated hospitals in almost every city in India.

OneAssure

Health Insurance

Bajaj Allianz Health Insurance

Bajaj Allianz Health Insurance

Get a Quote

96%

Claim Settlement Ratio

8,000+

Network Hospitals

6.9

Overall Rating

Bajaj Allianz Health Insurance

Our Verdict About Bajaj Allianz Health Insurance

Bajaj Allianz health insurance is a good choice for families and individuals seeking modern features.

What We Like

Multi-year policy and EMI premium options.

Simple digital process for purchase and renewal.

Comprehensive plans with global cover, AYUSH, and organ donor benefits.

Wide network of 18,400+ hospitals and strong 98% claim settlement ratio.

Areas of Improvement

Premiums can rise with renewals.

Cashless tie-ups temporarily suspended at select hospitals.

Occasional claim and documentation delays.

Some plans have room-rent and treatment sub-limits.

What We Like

Multi-year policy and EMI premium options.

Simple digital process for purchase and renewal.

Comprehensive plans with global cover, AYUSH, and organ donor benefits.

Wide network of 18,400+ hospitals and strong 98% claim settlement ratio.

Areas of Improvement

Premiums can rise with renewals.

Cashless tie-ups temporarily suspended at select hospitals.

Occasional claim and documentation delays.

Some plans have room-rent and treatment sub-limits.

Final Verdict

If you want health cover that provides wide coverage and is easy to claim, Bajaj Allianz Health Insurance is a really good choice. Along with basic coverage, it also has an add-on option for critical illness (cancer, heart attack, kidney failure, etc.) and maternity coverage (pregnancy and childbirth) can be...

If you want health cover that provides wide coverage and is easy to claim, Bajaj Allianz Health Insurance is a really good choice. Along with basic coverage, it also has an add-on option for critical...

Bajaj Allianz Health Insurance

Top Bajaj Allianz Health Insurance Plans

Health Guard Plan

Covers 399+ daycare treatments and AYUSH therapies
Lifetime renewals — no age limit on coverage
Cashless treatment at 18,400+ network hospitals

Most Popular

Health Infinity Plan

No pre-policy medical test (below 45 years & healthy)
Covers 399+ daycare procedures
No fixed sum insured limit — complete medical cost coverage

My Health Care Plan

Premium waiver in case of insured’s death
Coverage for individuals, couples, or families
Customisable plan — pay only for what you need

Health Guard Plan

Covers 399+ daycare treatments and AYUSH therapies
Lifetime renewals — no age limit on coverage
Cashless treatment at 18,400+ network hospitals

Most Popular

Health Infinity Plan

No pre-policy medical test (below 45 years & healthy)
Covers 399+ daycare procedures
No fixed sum insured limit — complete medical cost coverage

My Health Care Plan

Premium waiver in case of insured’s death
Coverage for individuals, couples, or families
Customisable plan — pay only for what you need

Bajaj Allianz Health Insurance

Other Bajaj Allianz Health Insurance Plans

Health Care Supreme Plan

Includes maternity and newborn cover
Cashless treatment at 18,400+ hospitals
Comprehensive plan for individuals and families

Health Ensure

Get peace of mind with pre-existing conditions covered after just 2 years.
No medical tests up to 50 years of age, making coverage simple and hassle-free.
Protect your loved ones under a single plan — covering children, parents, grandparents, and extended family

Extra Care Health Plan

Get maternity coverage including complications for worry-free family planning.
Enjoy free health check-ups for complete peace of mind.
Pre-existing conditions covered after just 12 months from your first Extra Care Plus policy.

Health Care Supreme Plan

Includes maternity and newborn cover
Cashless treatment at 18,400+ hospitals
Comprehensive plan for individuals and families

Health Ensure

Get peace of mind with pre-existing conditions covered after just 2 years.
No medical tests up to 50 years of age, making coverage simple and hassle-free.
Protect your loved ones under a single plan — covering children, parents, grandparents, and extended family

Extra Care Health Plan

Get maternity coverage including complications for worry-free family planning.
Enjoy free health check-ups for complete peace of mind.
Pre-existing conditions covered after just 12 months from your first Extra Care Plus policy.

Bajaj Allianz Health Insurance

About Bajaj Allianz Health Insurance

Bajaj Allianz Health Insurance

Bajaj Allianz Health Insurance Rating

Overall Rating

6.9

out of 10

Solvency

2.7/4

ICR

1.9/3

Growth

2.3/3

Performance Index

Gross Direct Premium

Bajaj Allianz Health Insurance

20630Cr

Industry Average

1998Cr

ICR%

Bajaj Allianz Health Insurance

81.96%

Industry Average

82.27%

Bajaj Allianz Health Insurance

Industry Average

Overall Rating

6.9

out of 10

Solvency

2.7/4

ICR

1.9/3

Growth

2.3/3

Performance Index

Gross Direct Premium

Bajaj Allianz Health Insurance

20630Cr

Industry Average

1998Cr

Bajaj Allianz Health Insurance

Industry Average

Performance Index

ICR%

Bajaj Allianz Health Insurance

81.96%

Industry Average

82.27%

Bajaj Allianz Health Insurance

Industry Average

Bajaj Allianz Health Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help – highly recommended!

Yogesh Meena

Bajaj Allianz Health Insurance

Pros and Cons

Pros

Cashless treatment is available at 18,400 + network hospitals across India.
You don’t have to wait for a long time; the medical claim process is fast.
You can keep your health cover for life by renewing annually.
Your medical expenses are covered for 60 days before and 90 days after hospitalisation.
You get free annual or periodic check-ups.
The insurance company covers road ambulance charges.
Your coverage increases each claim-free year, up to a certain limit.
Some plans include delivery and newborn care.

Cons

Limited cashless network in some areas.
Occasional claim delays or cuts.
Claims denied over test disputes.
Premiums rise sharply after renewals.

Pros

Cashless treatment is available at 18,400 + network hospitals across India.
You don’t have to wait for a long time; the medical claim process is fast.
You can keep your health cover for life by renewing annually.
Your medical expenses are covered for 60 days before and 90 days after hospitalisation.
You get free annual or periodic check-ups.
The insurance company covers road ambulance charges.
Your coverage increases each claim-free year, up to a certain limit.
Some plans include delivery and newborn care.

Cons

Limited cashless network in some areas.
Occasional claim delays or cuts.
Claims denied over test disputes.
Premiums rise sharply after renewals.

Bajaj Allianz Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

Bajaj Allianz Health Insurance Types

Hospital Cash Insurance

You get a fixed daily cash amount whenever you are admitted to a hospital. This cash helps with extra costs that your main policy might not cover, like food, travel, or small expenses during treatment.

Global Health Care

If you need treatment outside India, you can choose this plan. It gives you worldwide medical cover so you don’t have to worry about huge hospital bills abroad.

Family Floater Health Insurance

You and your family can stay covered under one single policy. The sum insured is shared, which makes it more affordable than buying individual plans for each member.

Individual Health Insurance

If you want coverage only for yourself, you can choose an individual policy. It pays for hospital bills, doctor fees, medicines, and more just for you.

Top-Up Health Plans

If your current insurance is not enough, you can add a top-up plan. It starts paying after a certain amount (deductible) is crossed and acts like extra protection for big medical bills.

Hospital Cash Insurance

You get a fixed daily cash amount whenever you are admitted to a hospital. This cash helps with extra costs that your main policy might not cover, like food, travel, or small expenses during treatment.

Global Health Care

If you need treatment outside India, you can choose this plan. It gives you worldwide medical cover so you don’t have to worry about huge hospital bills abroad.

Family Floater Health Insurance

You and your family can stay covered under one single policy. The sum insured is shared, which makes it more affordable than buying individual plans for each member.

Individual Health Insurance

If you want coverage only for yourself, you can choose an individual policy. It pays for hospital bills, doctor fees, medicines, and more just for you.

Top-Up Health Plans

If your current insurance is not enough, you can add a top-up plan. It starts paying after a certain amount (deductible) is crossed and acts like extra protection for big medical bills.

Documents Required

Identity Proof

Aadhaar card, PAN card, passport, voter ID, or driving licence.

Address Proof

Utility bill, bank statement, ration card, passport, or driving licence.

Proof of Age

birth certificate, school certificate, passport, etc.

Passport-Size Photo

(recently clicked)

Identity Proof

Aadhaar card, PAN card, passport, voter ID, or driving licence.

Address Proof

Utility bill, bank statement, ration card, passport, or driving licence.

Proof of Age

birth certificate, school certificate, passport, etc.

Passport-Size Photo

(recently clicked)

Bajaj Allianz Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Bajaj Allianz Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Bajaj Allianz Health Insurance Network Hospitals

8,000+

Network hospitals across the country for cashless treatment

500+

Cities covered nationwide for easy access to quality healthcare

500+

States and union territories ensuring comprehensive coverage

8,000+

Network hospitals across the country for cashless treatment

500+

Cities covered nationwide for easy access to quality healthcare

500+

States and union territories ensuring comprehensive coverage

Bajaj Allianz Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Bajaj Allianz Health Insurance

How to Buy Bajaj Allianz Health Insurance?

Follow these simple steps to purchase your Bajaj Allianz Health Insurance health insurance policy and secure comprehensive coverage for you and your family.