Bajaj Allianz Health Ensure
Bajaj
7.7/10
OneAssure Rating
7.7/10
OneAssure Rating
Highlighted Features
Advanced Treatments
The Bajaj Allianz Health Ensure policy covers 130 advanced daycare procedures that don't require 24-hour hospitalization due to technological advancements..
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization.
Brochure
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Our Verdict
Bajaj Allianz Health Ensure offers wide-ranging coverage with cashless hospitalization and wellness benefits. Add-ons like critical illness and maternity cover enhance its versatility, making it a solid choice for individuals and families seeking comprehensive and customizable health insurance.
About the Plan
Bajaj Allianz Health Ensure is a comprehensive health insurance plan that aims to provide financial security and access to quality healthcare in case of hospitalization due to illness or injury. It covers a wide range of medical expenses, including inpatient hospitalization, pre and post-hospitalization costs, day care procedures, and even AYUSH treatments. The plan offers various sum insured options, allowing individuals and families to choose a coverage amount that suits their needs. With a vast network of hospitals across India, Health Ensure facilitates cashless treatments, making the claim process smoother and more convenient. Additionally, the plan offers benefits like preventive health check-ups, cumulative bonus for claim-free years, and tax benefits on premiums paid, making it a well-rounded option for those seeking comprehensive health insurance coverage.
About the Plan
Product Stats
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Features of the Product
Room Rent
- Normal: Up to Sum Insured
- ICU: Pay up to actual ICU expenses provided by the Hospital.
Advanced Treatments
- Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
- Balloon Sinuplasty
- Deep Brain stimulation
- Oral chemotherapy
- Immunotherapy - Monoclonal Antibody to be given as injection
- Intra vitreal injections
- Robotic surgeries
- Stereotactic radio surgeries
- Bronchial Thermoplasty
- Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
- IONM - (Intra Operative Neuro Monitoring)
- Stem cell therapy
Co-payment
- Voluntary Copay Discount: Bajaj Health Ensure offers a voluntary copay discount of 10% or 20%. This means you can choose to pay a portion of the claim amount yourself (10% or 20%), and in return, you'll get a discount on your premium.
- No Mandatory Copay: There is no mandatory copayment under the standard Bajaj Health Ensure policy. You can choose a plan with no copayment at all.
- Copay Options: The copay options are typically 10% or 20% of the claim amount. The higher the copay percentage, the higher the discount on your premium.
Waiting Period
- Initial Waiting Period: 30 days for most illnesses. This means you can't claim for any hospitalization within the first 30 days of your policy, except for accidents.
- Pre-existing Diseases: 2 years. If you have a pre-existing condition at the time of policy purchase, you'll have to wait 2 years before it's covered.
- Specific Illnesses: 1 or 2 years for certain conditions like hernia, piles, cataract, etc.
- Maternity Benefits: 9 months to 2 years.
- Accidental Hospitalization: No waiting period, you're covered from day one.
Cashless Healthcare Providers
12,500+ network hospitals
Daycare Treatment
Covers all day care treatments
AYUSH Treatment
Covers all AYUSH treatments
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Injuries or illnesses due to alcohol, drug abuse, or substance misuse are excluded.
Self-inflicted injuries, suicide, or attempted suicide are not covered.
Treatments related to infertility, sterilization, or any assisted reproductive procedures are excluded.
Cosmetic or plastic surgery unless required due to accidents or burns is not covered.
Congenital diseases or birth-related anomalies are excluded from coverage.
Treatment for HIV/AIDS or other sexually transmitted diseases is not covered.
Experimental, unproven, or alternative treatments not recognized by medical authorities are excluded.
Injuries resulting from hazardous sports, adventure activities, or war-related situations are not covered.
Any hospital admission primarily for diagnostic purposes without active treatment is excluded.
Exclusions
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Add-ons
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Bajaj Allianz is a well-known insurance company in India. It helps people protect themselves, their families, and their belongings. It was started in 2001 as a partnership between Bajaj Finserv, a famous Indian company, and Allianz SE, a big insurance company from Germany.
The company provides general insurance, health insurance, and life insurance products. This helps you save for the future and protects your family.
Bajaj Allianz has grown fast and now has offices in over 1,100 cities across India. In 2025, Bajaj Finserv announced an agreement to acquire Allianz’s stake, which will make it the sole owner.
The company is known for good customer service, simple processes, and innovative products. Its main goal is to give people peace of mind, knowing they have support when they need it most.
About the Company
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