India's leading private general insurer (Bajaj Finserv + Allianz SE Germany) with 10,000+ cashless hospitals and comprehensive health insurance solutions since 2001.
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv and Allianz SE, Germany — the world's largest insurance company. Established in 2001, the company is among India's top 3 private general insurers with a gross written premium exceeding ₹18,000 crore.
Known for its AI-driven claims process, extensive digital capabilities, and customer-first innovation, Bajaj Allianz General has consistently won awards for claims excellence, digital innovation, and customer satisfaction. The company operates through 300+ branches and 60,000+ agent touchpoints across India.
Bajaj Allianz's flagship individual and family floater health plan with coverage from ₹1.5 Lakh to ₹50 Lakh. Features automatic restoration of sum insured, 500+ day-care procedures, ambulance cover, and optional critical illness rider.
A comprehensive plan with wider coverage including maternity benefit, new-born baby cover, organ donor expenses, and domestic/worldwide emergency cover. Ideal for families planning to expand or those needing broader protection.
An affordable entry-level family health plan with coverage from ₹2 Lakh to ₹10 Lakh. Designed for middle-income families prioritizing essential hospitalization coverage without premium features at budget-friendly rates.
A premium health plan offering unlimited sum insured (no maximum cap on claims) with features like no co-pay, no room rent limits, second medical opinion, and personalized wellness programs for holistic health management.
Backed by Allianz SE (world's #1 insurer with €1+ trillion AUM), Bajaj Allianz brings international risk management expertise, global best practices, and the highest financial stability standards to Indian health insurance.
Industry pioneer in AI-based instant cashless approvals. Pre-authorization processed in under 20 minutes using intelligent document processing. Claims tracked real-time via Caringly Yours app.
One of India's largest cashless networks covering all major cities and tier-2/3 towns. Includes Apollo, Fortis, Max, Manipal, Narayana, and thousands of regional hospitals for convenient access.
500+ day-care procedures covered (treatments under 24 hours) including chemotherapy, dialysis, cataract, arthroscopy, and angiography. No minimum hospitalization period required for claim eligibility.
100% automatic restoration of sum insured if exhausted during a policy year. Available for the same or different illness. Ensures continuous coverage even after a major claim event.
Award-winning customer app with e-health card, hospital locator, claim tracker, teleconsultation, policy management, and wellness tracking. Rated 4.5+ stars on Play Store with millions of downloads.
Show e-card via Caringly Yours app at network hospital. Hospital sends pre-auth request. Planned: 48 hours prior; Emergency: within 24 hours of admission.
Bajaj Allianz AI system processes pre-auth within 20 minutes. Instant approval for standard cases. Enhancement handled within 2 hours during hospitalization.
Receive treatment without upfront payment. Hospital settles directly with Bajaj Allianz. Patient pays only non-covered items and co-pay (if applicable) at discharge.
For non-network: submit bills within 15 days via app (photo upload). AI-verified documents processed within 7 working days. NEFT transfer to registered bank account.
Health Guard (₹10-25L floater) is the best all-round family plan with automatic restoration, 500+ day-care procedures, and cumulative bonus. For families planning children, Health Ensure adds maternity and newborn coverage. Budget families can start with Family First Silver.
Yes, Health Infinity offers unlimited sum insured with no cap on total claims in a year. It also has no room rent limits, no co-pay, and includes second medical opinion and personalized wellness programs. Premium is higher but offers complete financial freedom during medical emergencies.
Bajaj Allianz uses AI-powered processing for cashless pre-authorization — standard approvals within 20 minutes. Emergency cases processed within 60 minutes. Real-time tracking available via Caringly Yours app throughout the process.
Yes, all Bajaj Allianz health plans cover pre-existing diseases after a waiting period of 48 months (standard). During this period, hospitalizations for those specific conditions are excluded while other illnesses are fully covered from day 1.
Health Guard has zero co-pay for ages 18-55. For ages 56-65, a 10% co-pay may apply depending on the sum insured variant. Health Infinity has zero co-pay across all ages. Always verify plan-specific terms before buying.