Bajaj Allianz General Insurance

A joint venture between Bajaj Finserv Limited and Allianz SE, Bajaj Allianz Health Insurance have introduced various general insurance products in the Indian market. In a short time, the company has managed to build its customer’s trust and is becoming one of the leading insurance providers in the country. Bajaj Allianz General Insurance Company with its strong insurance expertise has been able to build a strong network all over the country. With innovative and customer-centric plans, the company continues to further strengthen its position in the market. 

Bajaj Allianz General Insurance Company offers various insurance products such as: 

1. Bajaj Allianz Car Insurance
2. Bajaj Allianz Two-wheeler Insurance
3. Bajaj Allianz Health Insurance
4. Bajaj Allianz Travel Insurance
5. Bajaj Allianz Cyber Insurance
6. Bajaj Allianz Home Insurance
7. Bajaj Allianz Pet Insurance
8. Bajaj Allianz Crop Insurance

Bajaj Allianz Car Insurance

Unforeseen risks like accidents, thefts or third party liabilities can burn a big hole in your pocket, this is where a car insurance policy can come to your rescue. It is mandatory for every car that runs on Indian roads to have the cover of an insurance policy. Bajaj Allianz car insurance offers insurance cover for your cars, let us take a look at its various aspects:

1. Bajaj Allianz Comprehensive Car Insurance 
   Said to be the most complete kind of car insurance, in a comprehensive car insurance policy you are covered for third-party liabilities, your own-damage expenses and you have the option to include add-ons in your policy.
2. Bajaj Allianz Third-Party Car Insurance
   Third-Party Car Insurance is the most basic kind of insurance and it is mandatory for all motorised vehicles to have third-party liability cover. If while driving you cause damage to a third-party or hurt them physically, the company would take care of all your legal obligations and cover the damages.
3. Bajaj Allianz Standalone Car Insurance
   Standalone insurance can be purchased when you already have third-party liability insurance for your car. Your standalone plan covers your car against the damages caused by:
   • Theft of the car
   • Road accident
   • Damages caused by natural calamities like floods, earthquakes etc and man-made calamities like-riots, vandalism etc.
4. Bajaj Allianz Usage-Based Car Insurance   
   As the name suggests, with this car insurance option, you are required to pay the premium on the basis of the total number of kilometres that your car covers in a year. There are 3 slabs to choose from- 2,500 km, 5,000 km and 7,500 km. This policy covers its own damages and third-party liability too.
5. Availability of add-ons: 

Bajaj Allianz Two-Wheeler Insurance

Being the largest two-wheeler market in the world, for most Indians, their bike is a prized possession. However, there is always a greater risk of accident, which is dangerous not just for the rider but also the bike. Having bike insurance, therefore, is a necessity and with Bajaj Allianz, you can protect yourself and your two-wheeler, let us see how:

• Bajaj Allianz Comprehensive Two-Wheeler Insurance 
  In a comprehensive two-wheeler insurance policy you are covered for third-party liabilities, your own-damage expenses and you have the option to include add-ons in your policy.
• Bajaj Allianz Third-Party Two-Wheeler Insurance
  Third-Party two-wheeler insurance is mandatory for all motorised vehicles. If while riding you damage a third-party or hurt them physically, the company would take care of all your legal obligations and cover the damages.
• Bajaj Allianz Stand-alone Two-Wheeler Insurance
  Standalone insurance can be purchased only when you have valid third-party liability insurance for your bike. The standalone bike insurance plan covers your two-wheeler against the damages caused by:
  • Any accident
  • Theft of the bike
  • Damages caused by natural calamities like floods, earthquakes etc and man-made calamities like-riots, vandalism etc.

Bajaj Allianz Health Insurance

With the steep rise in medical inflation, over the past few years, more and more people are understanding the importance of health insurance plans. The rise of the pandemic COVID-19 has also brought about many changes in the way people think about health insurance. 

• Bajaj Allianz Individual Health Insurance

Individual Health Insurance offers an individual complete coverage against all medical treatments, hospitalisation and also critical illnesses. Affordable and practical, these plans cover numerous benefits. 

• Bajaj Allianz Family Health Insurance

Also called family floater plans, with these plans you can cover yourself and your family with a sum insured. Let us take a look at their features.

• Bajaj Allianz Critical Illness Insurance 

This plan offers a cover for expensive and life-threatening illnesses like cancer, tumour, strokes etc. These plans allow you to avail the payable benefit when you are diagnosed with a critical  disease/illness. 

• Bajaj Allianz Critical Illness Insurance for Women

Specially designed for female customers, these plans cater to their needs in case they are diagnosed with illnesses like breast cancer, burns, vaginal cancer etc.

• Bajaj Allianz Comprehensive Health Insurance

As the name suggests, under this kind of insurance you get insurance coverage for all kinds of medical issues.

• Bajaj Allianz Hospital Cash

Healthcare treatments can eat a big chunk from your savings. A top-up cash benefit plan that helps you protect yourself from all kinds of unexpected hospital expenses. This comes in very handy in case of sudden and unpredictable hospitalisation as it offers a daily cash benefit.

• Bajaj Allianz Tax Gain 

Tax gain is a family floater health plan that offers multiple benefits. It helps you save on taxes along with OPD and hospitalisation benefits and more. 

• Bajaj Allianz Star Package Policy

A family floater comprehensive insurance plan that covers your family as well.

• Bajaj Allianz Health Ensure Policy 

A comprehensive healthcare plan, it comes with no age-limit. 

• Bajaj Allianz Personal Accident Insurance

Protect yourself and your family against unpredictable hospital expenses that may arise due to an accident.

• Bajaj Allianz M Care Health Insurance

This insurance covers you against 7 vector-borne diseases, which though are common but their treatment is expensive. 

• Aarogya Sanjeevani Policy

A standard health insurance policy, it helps you avert the financial burden that may fall on you in case of a medical emergency. With sum insured of up to INR 5 lakhs, it can be bought as an Individual or as a Family Floater plan.  

• Bajaj Allianz Global Personal Guard

Global Personal guard is an international policy that offers extensive global cover. It covers you against all injuries that may cause total permanent or partial disability. 

• Bajaj Allianz Group Health Plans

Apart from individual and family health insurance plans, there are Group Health Plans that cater to groups and their members. These are:

• Bajaj Allianz Comprehensive Care Plan
• Bajaj Allianz Credit Linked Health Plan
• Bajaj Allianz Hospital cash
• Bajaj Allianz Family Health Care Policy
• Bajaj Allianz Health Guard (Group)
• Bajaj Allianz M Care (Group)
• Bajaj Allianz Global Personal Guard Policy (Group)
• Bajaj Allianz Personal Care Insurance Policy

Bajaj Allianz Travel Insurance

For an ardent traveller, exploring new places is like breathing. Travelling not only widens your perspective but also gives you a lifetime of memories. If you are a seasoned traveller, something that can complement your travel plans and preparation is Travel Insurance.

No matter what age, schedule or destination, Bajaj Allianz offers various travel insurance plans that suit people from different walks of life. 

Bajaj Allianz Individual Travel Insurance

Bajaj Allianz travel insurance offers complete medical and health coverage when you are on the move. Let us take a look at the available;e [lans:

Bajaj Allianz Family Travel Insurance

Bajaj Allianz was awarded the “Best Travel Insurance Company” award by CNBC. Some of the highlighting features of Family Travel Insurance are:

• 24 x 7 toll-free customer care support
• Quick and uncomplicated claim settlement
• Emergency cash Feature
• Hospitalisation expense cover
• Cashless Treatment facility

Bajaj Allianz Student Travel Insurance

When you travel as a student, leaving behind the comforts of your home, it can become a little overwhelming. To help you concentrate solely on your studies, travel insurance can really help in easing off the pressures of travelling. With Bajaj Allianz student travel insurance, you get instant support whenever you need it.

Bajaj Allianz Senior Citizen Travel Insurance

Make your travel all the more enjoyable during your golden years. For all of you who are over the age of 61 years, Senior Citizen Travel Insurance is a great way to insure your global travel. With International Travel Insurance becoming mandatory in many countries, having travel cover seems to be the need of the hour. 

Bajaj Allianz Corporate Travel Insurance Plans

Travelling overseas for business can be an exciting experience but it also comes with its own set of risks. There is so much that can go wrong, however, things can be taken care of through a suitable corporate travel plan, let us see how.

Bajaj Allianz Asia Travel Insurance

As Asia emerges as a favoured spot for many international tourists and travellers, Bajaj Allianz has brought special packages to offer protection for any contingencies that may arise during travel to all Asia countries, except Japan. 

Bajaj Allianz Bharat Bhraman Policy

For all kinds of modes that you choose to travel, with Bajaj Allianz Bharat Bhraman Policy you can enjoy the journey without the worry of an untoward incident. 

Bajaj Allianz Insurance Premium Payment Process  

Payment of premium is done on the pre-fixed dates and generally on an annual basis. However, depending on the kind and type of insurance policy that you have opted for, your premium payments could be monthly/ quarterly/ half-yearly as well. Make sure you pay all your dues on time so that you can enjoy break-free protection.

For paying the premium, there are 2 methods:

1. Online Payment Process
   To pay the premium online, you simply need to visit the official website or click: https://www.bajajallianz.com/general-insurance.  Select your insurance plan and make the payment through any of the electronic mediums such as:
   1. Credit cards
   2. Debit cards
   3. Net banking
   4. UPI Payments 
      Paying premium online is not only quick and convenient but also ensures the highest level of security. As mentioned above, there are certain plans, which when bought online offer a discount on the premium. 
2. Offline payment process
   You can also make the payment of premium by physically visiting the branch office and making the payment in person. Note that the premiums will be accepted through cheque/ Demand Draft or an electronic medium. Payment in cash is not accepted. 

In case of any doubts/ issues, you can get in touch with customer care and they will guide you through. 

Bajaj Allianz Insurance Renewal Process 

Renewal of your Bajaj Allianz insurance is simple, just follow the steps given below:

• Online Renewal Process
  You can renew your existing policy by sitting in the comfort of your home. To renew your policy, visit the official website, or click www.bajajallianz.com  or https://www.bajajallianz.com/general-insurance-renewal.html. Go to ‘Renewal’ and enter your existing policy details and make the payment through any of the electronic mediums.
• Offline Renewal Process
  You can also renew your policy by physically visiting the branch office and making the payment in person. Note that the payment will be accepted through cheque/ Demand Draft or an electronic medium.
  In case of any doubts/ issues, you can get in touch with customer care and they will guide you through. 

Bajaj Allianz Expired Policy Renewal Process 

The best way to ensure that you are not without an insurance cover is that you get a renewal before the insurance lapses. You are given a 30-day Grace Period to get your plan renewed. After this period you would have to enter a new contract with the company. Note that a claim made during the grace period is not accepted. 

 Without a valid policy, you would not be eligible to make any claims and end up paying all the charges yourself. You also risk all the discounts and bonuses that may have been collected during the past claim-free years, if any. Renewing a policy, therefore, must always be a priority. 

1. Car and Bike Insurance

To renew expired motor insurance, you would have to get in touch with the customer care and raise a request for a renewal. A surveyor from the company will come to assess the condition of your vehicle. Once you get an approval from the company, you can pay the premium and your policy would be renewed. You may have to produce the following documents:

• Govt authorised ID proof
• Copy of previous Insurance Policy papers
• Copy of the RC
• Driver’s License

2. Health Insurance

The day your health insurance policy expires, the grace period follows immediately. You must get your policy renewed during this 30-day period if you wish to continue enjoying the coverage benefits. If your policy has lapsed and you are still in the grace period, get in touch with the customer care and they would guide you on making the payment for the renewal. In some cases, medical screening may also be required. 

Bajaj Allianz Insurance Claim Process

When you need to make a claim, the first thing to be done is to notify the company, you can do so by either calling them on the toll-free number-1800 209 5858/1800 209 0144 or by sending an email to- bagichelp@bajajallianz.co.in. 

1. Car and Bike Insurance
Apart from the above-mentioned ways, to register a motor claim you can register online via the company website or click https://www.bajajallianz.com/claims/motor-insurance/claim-process.html. You can also register the claim via the company app. Post-registration, you can take the vehicle for repair and make the claim in the following ways:

• Cashless Claim
  When you get your car repaired at a network garage, after the survey, the company would settle the claim with the garage directly. You would only pay for the excesses.
• Reimbursement
  Post survey and repair at a non-network garage, you would have to submit all bills and receipts with the company. The amount will be reimbursed within a few days.

2. Health Insurance
When your doctor prescribes hospitalisation, and you need to make a claim, the first thing to be done is to notify the company, you can do so by either calling them on the toll-free number-1800 209 5858/1800 209 0144 or by sending an email to- bagichelp@bajajallianz.co.in.  On the basis of the hospital you select, you would be able to make a claim in the following ways: 

• Cashless Claim
  Produce your health card at the TPA Desk of the network hospital, the agents will contact the company and the company will settle your bills directly.
• Reimbursement
  In case you took treatment at a non-network hospital, post-hospitalisation you can submit original hospitalization related documents to BAGIC-HAT and get a reimbursement.

Bajaj Allianz Insurance Company Profile

One of the largest private insurers in the market, Bajaj Allianz General Insurance, is spread across the length and breadth of the country with offices in over 1100 towns and cities. The company caters to customers across the demographics as well as the corporate sector with its range of insurance products and services. Continuing its penetration, the number of its digital offices has reached out to over a thousand new Tier 2 and 3 towns across India. Bajaj Allianz General Insurance also reported a strong Combined Ratio of 97.6% for the financial year 2020-21.

Bajaj Allianz Customer Care Details