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Individual

female
male

Family

 

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 tax gain plan

The unique policy of Bajaj Allianz, that assembles your health and wealth by its supportive health finance and tax benefit options. This policy included hospitalization expense coverage to any incidental or accidental critical situation or death along with tax benefit plans. There are varieties of plans included in policy that have their own uniqueness and categorized as plan – A, B, C & D. Bajaj Allianz Tax Gain Policy is a family floater policy.

Age Band

Plan A – Tax Gain 4999, Entry age band self/spouse is- 18yrs to 55yrs

Plan B – Tax Gain 9999, Entry age band self/spouse is – 18yrs to 55yrs

Plan C – Tax Gain 14999, Entry age band for self/spouse is – 18yrs to 55yrs

Plan D – Tax Gain 19999, Entry age band self/spouse is – 56yrs to 75yrs

Key Features

  • This being an annual policy

  • Policy provides coverage for out patient and hospitalization expense for self and spouse

  • Emergency ambulance charges up to Rs. 1000/-

  • Policy includes free health check up option under Bajaj Allianz diagnostic centre.

  • Income Tax Benefit as per 80 D section of Income Tax Act

  • Separate beneficial plan for senior citizen

  • If non-network hospital is opted then 10% co-payment of claim admissible amount is applicable

  • Lifetime renewal benefit is available along with option of opting the next category of plan from A to D as per requirement. The insured covered under Plan A, B & C will get the option to get covered under Plan D.

Specific Benefits

Plan – A (Tax Gain 4999) Benefits – Flat premium 4999*

Age

18-25yrs

26-40yrs

41-45yrs

46-55yrs

SI – Rs. 1,00,000 (Hospitalization Cover)

OPD (SI)

3100

2900

2500

1600

Plan – B (Tax Gain 9999) Benefits – Flat Premium 9999*

Age

18-25yrs

26-40yrs

41-45yrs

46-55yrs

Floater SI – Rs. 2,00,000 (Hospitalization Cover)

OPD (SI)-self

6500

6000

5000

3000

OPD (SI)-self +spouse

5200

4800

3500

1000

Plan – C (Tax Gain 14999) Benefits – Flat Premium 14999*

Age

18-25yrs

26-40yrs

41-45yrs

46-55yrs

Floater SI – Rs. 2,00,000 (C 1 Hospitalization Cover)

OPD (SI)-self

9500

9000

8500

7500

OPD (SI)-self +spouse

9000

8500

7000

4500

Floater SI – Rs. 3,00,000 (C 2 Hospitalization Cover)

OPD (SI)-self

9000

8500

7500

6000

OPD (SI)-self +spouse

8000

7500

5500

2500

Plan – D (Tax Gain -19999) Benefits – Flat Premium 19999*

Age

56-60yrs

61-65yrs

65-70yrs

71-75yrs

Floater SI – Rs. 1,00,000 (Hospitalization Cover)

OPD (SI)-self

13000

12500

12000

11000

OPD (SI)-self +spouse

11000

10000

9500

8000

* 12.36% service tax inclusive in premium rates

Exclusions

  • Pre-existing conditions like medical illness or diseases

  • For diseases like fistulae, fibromyoma, Sinuses, Haemorrhoids, Uterine bleeding, Endometriosis, urinary Bladder and Biliary stones, Cataract, Gastric ulcer, various categories of surgeries that do not belong to proper illness needs to perform a waiting period of 2years.

  • Joint replacement surgery needs to perform waiting period of 4years

  • Cosmetic surgery excluded from policy

  • Cost of spectacles, contact lenses, artificial limbs, dentures, artificial teeth and other medical appliances cost is excluded from policy

  • Dental Surgery except happening due to accident

  • STDs and AIDs

  • Any mental illnesses or mental disorder

  • Laboratory examination or diagnosis excluded from policy