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Most Popular Policies of Bajaj Allianz General Insurance

  • Bajaj Allianz Critical Illness Policy
    This policy pays out hefty amount upon diagnosis of critical illness of proposer.
    Key features of Critical Illness Policy
    • Coverage is available for 10 critical illnesses
    • Lifelong renewal option available
    • 10% family discount available in policy.
    • Personal disability and death cover
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  • Bajaj Allianz Family Floater Health Guard Policy
    The plan aims to cover an entire family which means any insured member of the policy can utilize the sum insured to pay hospitalization expenses.
    Key features of Family Floater Health Guard plan
    • Coverage available for laser eye surgery after 4 years of waiting period
    • No sub-limits applicable on boarding and room rent
    • Availability of second opinion in case of critical illness
    • Discount on premium is applicable if proposers opt for deductible
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  • Bajaj Allianz Health Care Supreme Policy
    The policy provides coverage for medical expenses and it comes with variants like individual and family floater.
    Key features of Health Care Supreme Policy
    • Availability of add-on covers like personal accident cover, ancillary cover, critical illness cover
    • Lifetime renewal and lifetime entry available
    • No sub-limit on room rent
    • Co-pay is not applicable
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About Bajaj Allianz Family Floater Health Guard

Shortage of money should not minimize your love and care for your family, which is always a person’s priority and reason for survival. Keeping this view in mind, policy makers make continues attempt to comfort clients and their family with insurance policy having value added benefit and customer oriented approach.

Bajaj Allianz Family Floater Health Guard

is a modernized policy developed by smart mind of Bajaj Allianz. This policy makes insurer relaxed and control the rising medical cost at situations of serious illness or accident for individual and their family. Experts in insurance sector tag this policy as All round health insurance policy. All round coverage includes hospitalization, consultation cost, medicine and diagnostic cost, ambulance etc. This overall coverage quality defines the uniqueness of this policy.

Special Benefits

  • Income Tax Benefit is provided on premium paid as per section 80-D of Income Tax Act
  • Advantage of lifetime policy renewal
  • Self, spouse and dependant children (maximum up to 4 children) are applicable under policy coverage zone
  • The policy covers medical expenses that are reasonable charges instructed by Doctors along with boarding expenses.
  • The pre hospitalization charges in respect to medical treatment of an illness for consecutive 60 days period after immediate preceding to hospital for that illness is covered in policy
  • Post Hospitalization charges of medical treatment and essential diagnostics up to the time scale of 90days is delivered to policyholder for specific illness or accident as per policy.
  • Policy also covers the Emergency Ambulance Charges of Rs. 1000 maximum reasonable cost for delivering the client along with family members to hospitals in case of emergency.

Additional (+) Benefits

  1. Cumulative Bonus

    – Insurers can get 10% CB of sum insured for every claim free year in this policy. The maximum CB is 50% of sum insured up to 5 claim free years. And in case of claim CB will not be cancelled but only will get reduced to 10% on the next renewal.

  1. Free Health check-up benefit-

    After completion of claim free 4years of policy holders they can apply for additional benefit of free medical check-up that includes consultation, ECG, complete blood count, lipid profiling, Blood sugar test, SGOT, SGPT, Serum evaluation and urine routine test at Bajaj Allianz Diagnostic Centres specifically. This benefits also floats over family members covered in policy.

  1. Deductible Discount

    – This feature is used to control and reduce the premium rates. Deductible is the voluntary amount opted by policyholders when claim is raised and they agree to bear the claims up to deductible limit with the insurer paying for claim over the deductible sum within limitations of policy.

Deductible Amount (in Rs.)

Premium Discount (%)



















Entry Age Band

Entry age of proposer/spouse- 18years to 69years

Entry age of Children (Dependants) – 3months to 25years


  1. The waiting period for pre occurring diseases is limited to 4years
  2. All diseases and injuries present at time of proposing are excluded from policy
  3. Diseases like hernia, piles, cataract are covered after waiting period of 2years
  4. Diseases persisting within 30days of policy initiation
  5. No other medications other than allopathic
  6. Sexually Transmitted Diseases are excluded including AIDS
  7. Cosmetic and joint replacement surgery
  8. Consumption of drugs and alcohol treatments