Health Insurance Plans: Medical Insurance in India

BAJAJ ALLIANZ HEALTH INSURANCE To get the best healthcare available near you without breaking the


To get the best healthcare available near you without breaking the bank, it’s paramount to invest in a sound health insurance policy for you and your family. Unfortunate events can surprise you, so it is important to safeguard your hard-earned funds from being spent on heavy medical bills.

When it comes to medical insurance, Bajaj Allianz General Insurance is at the forefront with a diverse range of affordable health insurance plans. They are customised to protect your savings from hospital bills. We respect your time and money and our offerings reflect our commitment to you. Bajaj Allianz General Insurance has the highest claim settlement ratio among private insurers. Your cashless claim can be settled within 1 hour – that’s faster than other health insurance companies.

An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day by day. In case if an accident or critical illness befalls you, it will cause a huge financial burden on you and your family. We understand this and hence, we offer various options and features when it comes to health insurance plans. We not only cover hospitalisation expenses, but also provide cover against critical illnesses, accident-related, maternity, consultations, check-ups and other such medical expenses.

Factors to consider while buying Health Insurance

You’re spoiled for choice when it comes to buying insurance because of the numerous health plans and covers available today. But you need all the information you can get before buying a medical insurance policy that suits your needs. To make your life simple, we’ve made a short list of factors you must consider while purchasing a policy.

Here they are:

Always opt for adequate cover and ensure that it is sufficient for you and your entire family.

Nowadays, most employees are covered by their company’s medical insurance. However, it is always an added benefit to select and purchase your own medical insurance plan after knowing all the terms and conditions.

It’s ideal to combine hospital cash, critical illness and other benefits in your base cover to avail some form of compensation for non-payable losses.

Always inform your insurer about any pre-existing diseases.

Always keep a note of covers and maximum limits.

A higher sum insured is always better as there is a constant rise in the cost of medical expenses.

It is advisable to check the insurance provider’s claim settlement record. You should always opt for a company with a good settlement record. This ensures that your claims are not wrongly withheld and prevents any unnecessary claim issues in the future.

Renew your policy on a continual basis. If there is a break between the expiry and renewal, you may lose the benefits of the insurance.

Choose an insurance provider that has an internal team to assist with claim and settlement process as they offer a better turnaround time and a seamless process.

Opt for a health insurance company that allows insurance portability. This way you have the benefit to change your insurance company and opt for a medical insurance policy better than your current one.


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