List of Diseases Covered by Bajaj Allianz Health Insurance Plans

Barely any person has remained unaffected due to rising health expenses. While the pandemic is finally under wraps, more people have realised the importance of having health insurance. If you're planning to buy a Bajaj Allianz health insurance policy, read on to know the diseases they cover.

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      What are the Plans Offered by Bajaj Allianz Health Insurance?

      Bajaj Allianz General Insurance Company offers several health insurance plans for people. Most of these plans include coverage for medical expenses due to hospitalisation, OPD consultations, maternity, pre and post hospitalisation expenses, ambulance services, ICU charges and more.

      Disease-specific plans are also offered by these Bajaj Allianz health insurance plans, such as the Bajaj Allianz Corona Kavach plan, Bajaj Allianz Criti care plan etc. Take a look at different Bajaj Allianz health insurance plans available in the market:

      • Bajaj Allianz Health Guard Policy
      • Bajaj Allianz Health Infinity Policy
      • Bajaj Allianz Arogya Sanjeevani Policy
      • Bajaj Allianz Corona Kavach Policy
      • Bajaj Allianz Criti Care Policy
      • Bajaj Allianz m-Care Policy
      • Bajaj Allianz Extra Care Policy
      • Bajaj Allianz Critical Illness Policy

      These plans are available for a varying sum insured ranging from Rs. 10,000 up to Rs. 50 Lakh. While being covered by these plans, you can also opt for cashless treatments provided in over 6,000 network hospitals.

      List of Diseases Covered Under a Bajaj Allianz Health Insurance Policy

      The following diseases are covered under various Bajaj Allianz health insurance plans:


      COVID-19 or coronavirus is an extremely transmissible disease which forced the world into a shutdown for over 2 years. This disease is especially dangerous for people with comorbidities and can cost a lot. This disease is covered by various plans including Bajaj Allianz Corona Kavach Policy, Bajaj Allianz Individual Health Insurance Plan, Arogya Sanjeevani Plan etc.

      Heart Diseases

      Heart diseases are among the riskiest of all diseases and generally occur when there is an issue in the cardiovascular system. These can range from hypertension, heart rhythm problems, coronary heart disease, cardiomyopathy etc. The surgical procedures alone cost a lot; thankfully many of these ailments are covered under different plans, including Bajaj Allianz Health Guard Policy, Bajaj Allianz Health Infinity Policy, and Bajaj Allianz Criti Care Policy.


      Cancer is increasingly becoming a common disease which affects different parts of the body due to abnormal cell growth. This fatal disease can only be controlled during the initial stages and requires expensive surgeries, chemotherapy etc. Coverage for some types of cancer is provided by Bajaj Allianz Criti Care Policy, Bajaj Allianz Health Guard Policy and Bajaj Allianz Critical Illness Policy.

      Brain Tumour

      A brain tumour is a fatal condition where the uncontrolled growth of the brain cells puts pressure on the brain tissue, leading to brain damage. The tumour needs to be removed via a complex surgery, which is an expensive procedure. The cost of this surgery and other treatment expenses are covered by many plans like Bajaj Allianz Health Care Supreme, Bajaj Allianz Criti Care Policy, Bajaj Allianz Critical Illness Policy, and Bajaj Allianz Extra Care Policy.


      Arthritis is one of the commonest ailments often suffered by ageing people. This condition is caused due to swelling in one or more joints and is very painful, often restricting mobility. The condition usually requires joint replacement or joint revision which is covered by several insurance plans. Bajaj Allianz Health Guard Policy, Bajaj Allianz Arogya Sanjeevani Policy, and Bajaj Allianz Silver Health Policy cover arthritis, however, a waiting period of 48 months should be kept in mind.

      Kidney Diseases

      Problems with kidneys can result in serious health conditions that hinder normal body functioning. If serious, issues like chronic kidney diseases, kidney stones, and cysts are enough to cause pain and discomfort. Treatment expense for various kidney diseases is covered by several plans including Bajaj Allianz Health Care Supreme, Bajaj Allianz Critical Illness Policy, Bajaj Allianz Criti Care Policy and Bajaj Allianz Silver Health Policy.


      A cataract is a condition in which the lens of the eye gets clouded and needs to be replaced for clear vision. Many health insurance plans cover cataract surgeries including Bajaj Allianz Silver Health Policy, Bajaj Allianz Health Guard Policy, and Bajaj Allianz Arogya Sanjeevani Policy.

      Wrapping it Up,

      Bajaj Allianz health insurance plans cover a wide range of health conditions and diseases, however, it is recommended to check the exact coverage. It is also important to know the waiting period of these diseases so that you can avail of timely treatment and other insurance benefits.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

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      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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