Bajaj Allianz General Insurance

Bajaj Allianz health insurance plans provide the expenses for road ambulance up to ₹20,000/- per policy year. The road ambulance expenses are paid only if the claim is admitted under the inpatient section.

Bajaj Allianz Health insurance policies provide a reinstate benefit in case of exhaustion of the base sum insured, cumulative bonus or super cumulative bonus during the policy period. A maximum of 100% of the base sum insured would be reinstated for that particular policy year and the reinstated sum insured cannot be carried forward to the next policy year.

Bajaj Allianz offers discounts in various forms such as:

• Family discount - 10% discount if 2 eligible family members are covered under a single policy and 15% discount if more than any of the 2 eligible members are covered under the policy.
• Employee discount - 20% discount on published premium to employees of Bajaj Allianz and its group companies.
• Online/Direct business discount - A discount of 5% will be offered if the policy is taken online or through a direct channel.
• Co-pay discount- Up to 20% discount would be given for customers opting for co-pay conditions under the health insurance policy.
• Long term policy discount - 4% discount is applicable if policy is opted for 2 years and 8% discount is applicable if policy is opted for 3 years.
• Room rent capping discount - If this discount is opted then you would be entitled for a per day room rent limit of 1.5% of the hospitalization sum insured up to a maximum of ₹7,500 per day.

The policy provides for a super cumulative bonus in case of every claim free year. The sum insured would be increased by 50% per annum for the first 2 claim free years and then 10% per annum for the next 5 claim free years. The maximum bonus that can be availed under this section is 150% of the base sum insured. In case of claim the super Cumulative Bonus would be reduced to the previous slab.