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Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited is a joint venture between the world’s foremost insurance company Allianz SE and Bajaj Finserv Limited, with an authorized and paid up capital of Rs. 110 crore, where Bajaj Finserv Limited holds 74% and 26% is held by Allianz, SE.

Bajaj Allianz is one of the top insurers providing excellent customer service.

They started their operations in 2001 and now with the range of products catering to individual and corporate. It has received iAAA rating from ICRA for 10th consecutive years.

Interesting Facts about Bajaj Allianz General Insurance

  • Bajaj Allianz was awarded as “India’s Leading Insurance Company (Non-life Private)” by Dun and Bradstreet – BFSI Awards in 2017
  • Bajaj Allianz was conferred as the “Best Non-life Insurance Provider” by Outlook Money Awards in 2016 and “General Insurance Company of the Year 2016” by Indian Insurance Awards 2016
  • Bajaj Allianz initiated DriveSmart Service, All Women Branch and Virtual Office to drive awareness about insurance and empower women
  • Bajaj Allianz offers private insurance plans for two-wheeler, car insurance, health and home insurance
  • Bajaj Allianz offers commercial insurance, catering to various segment: 1) Property Insurance 2) Marine Insurance 3) Liability Insurance 4) Financial Lines Insurance 5) Engineering Insurance 6) Energy Insurance 7) Employee Benefits Insurance 8) International Insurance Solutions

Product Portfolio – Bajaj Allianz General Insurance

Health Insurance

A health insurance policy ensures that the proper treatment can be opted without worrying about the expenses and without exhausting savings. Health insurance policies offered by Bajaj Allianz cover various benefits like pre and post hospitalization expenses, day care treatment, etc. You can avail Bajaj Allianz’s cashless facility by getting treated in any of their 5700+ Authorised Hospital Network.

Bajaj Allianz’s health insurance products cater to individual and family needs. Let us look at the health insurance plans offered by Bajaj Allianz:

  • Bajaj Allianz Health Insurance Plan For Individual – Health Guard: Under this plan an individual can opt for a health insurance policy of a single sum insured. Each family member can avail an individual plan with a sum insured within the range of 1.5 lakh upto 50 lakh.

  • Bajaj Allianz Health Insurance Plan For Family – Health Guard: A sure shot way to cover your family and savings from exhaustion is to opt for a family floater plan. A single policy for the covering the whole family. Covers parents, spouse and kids in one policy. The sum insured can be in the range of 2.5 lakh upto 50 lakh.

  • Bajaj Allianz Global Personal Guard: This policy covers the risk of an individual travelling abroad which may lead to an accident causing Permanent Partial or Total Disability IR Death. There are 3 Base covers of which opting for one is mandatory and has 12 additional Add-on covers.

  • Bajaj Allianz Critical Illness: You can cover yourself against the risk of a critical illness. It covers all the medical expenses if in case you are diagnosed with a critical illness such as Cancer, Coronary Artery Bypass Surgery, Kidney Failure, Stroke, Permanent Paralysis of Limbs, etc. The sum insured can be in the range of 1 lakh to 50 lakh.

  • Bajaj Allianz Women Specific Health Insurance Policy
    It’s a critical illness cover for women. It provides protection against the risk of eight critical illnesses:

    • Ovarian Cancer
    • Breast Cancer
    • Vaginal Cancer
    • Cervical Cancer
    • Burns
    • Uterine/Endometrial Cancer
    • Fallopian Tube Cancer
    • Paralysis/Multitrauma

Bajaj Allianz Top-up Health Insurance:

The top-up plans are the extension to your basic health insurance policy. The sum insured of your basic health insurance policy may not be sufficient to meet the rising medical expenses. But with the top-up plans, which comes at very low premiums can be beneficial to meet the demands.

  • Health Care Supreme : Bajaj Allianz Health Car Supreme is a comprehensive package that will take care of all the medical expenses throughout the life with sum insured ranging from Rs.5 lakh to 50 lakh.

  • Hospital Cash: Bajaj Allianz Hospital Cash plan protects you and your family financially at the time hospitalization.

  • Silver Health: Bajaj Allianz Silver Health is an exclusive plan, especially for senior citizens. It covers all the medical expenses.

  • Star Package: Bajaj Allianz provides a 360-degree plan - Star Package. It covers health risks, household contents, and education grant, travel baggage, public liability.

  • Health Ensure: The Health Ensure plan by Bajaj Allianz is a perfect plan for you and your family that covers all the medical expenses with sum insured of Rs.50,000, Rs.75,000 and 1 lakh.

  • Tax Gain: A unique product by Bajaj Allianz – Save tax and cover OPD. It covers OPD and Hospitalization expenses and help you in saving tax.

  • Premium Personal Guard: This is a premium plan by Bajaj Allianz as the name suggest. It’s an individual plan with a sum insured ranging from Rs. 10 lakh to 15 lakh.

Motor Insurance

Bajaj Allianz offers motor insurance policies for private two-wheeler and four-wheeler vehicles. In addition to their basic core policy, Bajaj Allianz offers various add-on covers that helps you to widen up the scope of the motor insurance policy.

  • Bajaj Allianz Private Car Package Policy: A comprehensive package policy for private vehicle covers any loss or damage incurred to the insured vehicle, including any third party liability.

  • Bajaj Allianz Two Wheeler Insurance: Bajaj Allianz provides two-wheeler insurance that covers any loss or damage that may happen to your two-wheeler, which also includes any third party liability cover.

Travel Insurance

If you are planning a family vacation, single business trip, or pursuing a master’s degree abroad Bajaj Allianz offers various plans just to fit your travel plans. Bajaj Allianz’s Travel Insurance covers on-travel risks, from medical emergencies, to lost baggage or stolen passport, etc. Plans offered are – Travel Companion, Travel Elite, and Student Travel, which are catering to different needs.

  • Bajaj Allianz Individual Travel Insurance: Are you planning to travel abroad? With this travel plan you get covered the costs of all the medical emergencies, flight delays and cancellation, loss of baggage, passport, etc.

  • Bajaj Allianz Family Travel Insurance: Are you heading with your family for an international trip? Bajaj Allianz family travel insurance covers medical expenses in case of accident and emergency, loss of baggage, loss of passport, flight delays and cancellation. With this one plan you can cover your family – you, your spouse and 2 children.

  • Bajaj Allianz Senior Citizen Travel Insurance: If you are looking for an international travel insurance plan that covers the cost of medical emergencies, accident or hospitalization of senior citizens then you can opt for this policy. It covers the cost of an individual as well as family of the insured.

  • Bajaj Allianz Student Travel Insurance: Planning to study abroad? During the long period of studying in a foreign land this policy helps to cover the cost of all medical expenses and hospitalization. Different plans offered are Study Companion Plan, Student Elite Plan and Student Prime Plan to suit your needs. Customized plan gets you covered even with bail bonds, tuition fee, and dental pain relief.

Other Travel Plans

  • Bajaj Allianz Corporate Travel Insurance

  • Bajaj Allianz Travel Asia Insurance

  • Bharat Bhraman

Bajaj Allianz – Other Insurance Policies

Bajaj Allianz offers many more policies In addition to the above mentioned policies. Below is the list that includes, Home, Personal Accident and Commercial Insurance plans.

  • Home Insurance
  • My Home Insurance
  • House Holder Package Policy
  • Easy House Holders Package Policy
  • Personal Accident Insurance

Bajaj Allianz - Commercial Insurance

Bajaj Allianz caters to Automotive, Aviation, Construction, Chemicals, Foods & Beverages, Manufacturing, Oil & Gas, Pharmaceuticals, Power, Technology, Telecom, Textiles, Transport & Logistics, etc. providing solutions to every sector.

  • Property Insurance
  • Marine Insurance
  • Liability Insurance
  • Financial Insurance
  • Engineering Insurance
  • Energy Insurance
  • Employee Benefits Insurance
  • International Insurance Solutions

Bajaj Allianz General Insurance Claim Process

Claim Process

  • The first and foremost step is to inform and lodge a claim by contacting Bajaj Allianz on the Toll Free number - 1800-209-5858 or E-mail: customercare@bajajallianz.co.in.

  • Keep all your documents and details handy such as policy number, name of the insured or details of insured vehicle.

    For individual step by step claim process of Health, Motor, and travel read below

Health Insurance- Claim Process

Here’s the step-by-step process to lodge a claim. Understand Do’s and Don’ts’ to ensure your claim gets approved.

Below is the list that Bajaj Allianz Health Insurance policy will cover:

  • Pre and Post Hospitalization costs
  • Hospital Charges (Room Rent, Boarding, ICU and Operation Theatre Charges)
  • Fees for Surgeon, Anesthetist, Nurse, specialist, etc.
  • Cost of Diagnostic Test, Medicines, Blood, Oxygen, etc.

Note: For any claim to be processed and approved you need to lodge a claim by intimating the company.

Case 1: If it is a Planned Hospitalization

If you are planning to go for a planned hospitalization, it is necessary to intimate the company 48hrs prior to the hospitalization.

Case 2: In case of an Emergency Hospitalization

In case of an emergency hospitalization, it is important to intimate the company within 48hrs from the time of hospitalization. Any health insurance policy issued by Bajaj Allianz provides: Cashless and Reimbursement claim services.

Cashless Claim Process:

It gets you covered with the medical expenses of any treatment for sickness, illness or accident provided the treatment is carried out at the listed Bajaj Allianz Network Hospital.

On approval of the claim the medical bills are directly paid by the Bajaj Allianz to the hospital.

Important documents and details to be provided at the time of claim: Policy Number, Policyholder’s/ Insured’s Name

  • Contact Details of the Claimant/ Policyholder
  • Name of the Insured/ Claimant
  • Hospital Details
  • Nature of Ailment/Details of the Accident (Commencement date of the symptoms & related details)

Reimbursement Claim Process:

The policyholder needs to pay all the cost first and later Bajaj Allianz will reimburse. All the medical expenses bill are required to be submitted to get the reimbursement to the company.

In case of a reimbursement process, the treatment can be carried out in any registered hospital. Within seven days of getting discharge, policyholder needs to submit the bills to get reimbursement.

Important documents and details to be provided to get reimbursement:

Claim Form duly signed by the Insured

  • Photocopy of ID Card
  • Photocopy of policy certificate
  • Original discharge card/summary, Original hospital bills
  • For consolidated amounts, a detailed breakup of the amount
  • All investigation reports and bills in original supported by a note from the attending doctor/surgeon recommending such investigations
  • Surgeon’s certificate stating nature of surgery performed, bill and paid receipt
  • Attending doctors/consultants/specialists/anesthetists bill, receipt and certificate
  • ECS Form

Car Insurance- Claim Process

If you are a Bajaj Allianz Car Insurance policyholder, the below claim process would help you to lodge a claim and get it settle in different scenarios:

In case of accidental damage to the insured vehicle:

  • Intimate to the nearest office and issue a Claim Form.
  • Submit the dully signed Claim Form with a copy of Registration Certificate, driving license of the driver, driving the vehicle at the time of accident.
  • Submit repair cost estimate
  • A Surveyor appointed by the insurance company will be sent to survey the vehicle condition. The survey report is then submitted to the company for the approval. And in case of a major damage to the vehicle, a spot survey would be carried out by the company.
  • To get reimbursement the insured need to submit duly signed final bills or cash memos.
  • It might be required to deposit the salvage of the damaged parts with the insurance company.

In case of theft of the insured vehicle:

  • The first thing to do is to lodge an F.I.R. with the police.
  • Intimate the company with a copy of FIR.
  • Submit the Final “No Trace Found” Police Report.
  • Once the claim is approved by the company, you need to transfer the Registration Certificate in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

In case of liability claim because of insured vehicle:

  • Immediately intimate Bajaj Allianz on their Toll-free number about the liability claim.
  • On receipt of summons from Court, the same should be sent to the company immediately.
  • Claim Form duly filled in along with copies of Registration Certificate, Diving License, FIR are to be submitted.

Bike Insurance- Claim Process

If you are a policyholder of a Bajaj Allianz two-wheeler Insurance, the below claim process would help you to lodge a claim and get it settle under different incident:

In case of accidental damage to the insured vehicle:

  • Intimate to the nearest office and issue a Claim Form.
  • Submit the dully signed Claim Form with a copy of Registration Certificate, driving license of the driver, driving the vehicle at the time of accident.
  • Submit repair cost estimate
  • A Surveyor appointed by the insurance company will be sent to survey the vehicle condition. The survey report is then submitted to the company for the approval. And in case of a major damage to the vehicle, a spot survey would be carried out by the company.
  • To get reimbursement the insured need to submit duly signed final bills or cash memos.
  • It might be required to deposit the salvage of the damaged parts with the insurance company.

In case of theft of the insured vehicle:

  • The first thing to do is to lodge an F.I.R. with the police.
  • Intimate the company with a copy of FIR.
  • Submit the Final “No Trace Found” Police Report.
  • Once the claim is approved by the company, you need to transfer the Registration Certificate in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

In case of liability claim because of insured vehicle:

  • Immediately intimate Bajaj Allianz on their Toll-free number about the liability claim.
  • On receipt of summons from Court, the same should be sent to the company immediately.
  • Claim Form duly filled in along with copies of Registration Certificate, Diving License, FIR are to be submitted.

Travel Insurance - Claim Process

A travel insurance claim can be either medical or non-medical type. Documents required for medical claim under travel insurance:

  • Claim form
  • Relevant of medical information
  • Attending Physician's Statement (APS)

Document required for non-medical claim under travel insurance:

Claim Forms –

Review of Bajaj Allianz General Insurance Company

With their launch in 2001, Bajaj Allianz has come a long way in providing valuable products. From last 10 consecutive years, Bajaj Allianz have received iAAA rating from ICRA indicating the financial stability of the company which is significant when it comes to settling down a claim. The fact that plans can be customized as per your needs, you can completely rely on Bajaj Allianz for all your insurance plans.

Contact Details of Bajaj Allianz General Insurance Company

GE Plaza, Airport Road, Yerawada, Pune 411 006. BSNL: 1800- 209- 5858

TATA: 1800- 22- 5858

BHARTI: 1800- 102- 5858

OTHER: 020-30305858

E-mail: customercare@bajajallianz.co.in

Website: www.bajajallianz.com

Social Media

Facebook: https://www.facebook.com/BajajAllianz/

Twitter: https://twitter.com/BajajAllianz/