Bajaj Allianz Group Health Insurance

In India, most organizations provide group health insurance policies to their employees along with profit sharing, bonuses, gratuity, meal coupons, and other facilities like a pension plan, childcare, work from home, and many more.

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  • Employee, spouse & kids

  • Employee only

Generally, a group health insurance policy is customized for every organization as per the requirements of their employees. A group health insurance policy takes care of all the expenses related to various health care services that the employees of a company and the family of the employees, if covered.

Group health insurance

Under a group health insurance policy, the sum insured is the same for all the employees, and employees are as well given an option to increase the sum insured as per the requirements. The premium that is paid towards a Group Health Insurance plan can be shared between employee and employer. However, in some cases, the employer pays the complete premium amount and thus offers the benefits of a health insurance policy for free to its employees.

One such group health insurance plan is Bajaj Allianz Group Health Insurance. It has many features and benefits that can help an employer to provide financial protection to its employees in case of health issues.

Features and Benefits of Bajaj Allianz Group Health Insurance

  • Provides better healthcare services to the employees of an organization that has taken this plan.
  • The policy offers cashless claim settlement in more than 6000 network hospitals.
  • It provides comprehensive healthcare service at affordable premiums.
  • The company has 24x7 customer support.
  • Bajaj Allianz Health Insurance Company has its in-house Health Administration Team that provides quick disbursement of claims.
  • Provides the option of family floater and individual cover.
  • The policy offers income tax benefits U/S 80C of the IT Act.

Bajaj Allianz Group Health Insurance - Inclusions

The inclusion of coverage offered by this policy are as follows:

  • Charges of the ambulance are covered.
  • Expenses of a newborn baby and maternity hospitalization expenses are covered.
  • Pre-existing diseases are also covered.
  • All the expenses related to daycare procedures are covered.
  • Post and pre-hospitalization expenses are offered.
  • Charges of operation theatre are also covered.
  • Pacemaker cost, dialysis expenses, expenses of organ transplant, radiotherapy, and chemotherapy expenses are also covered.

Bajaj Allianz Group Health Insurance – Exclusions:

The exclusions of a Bajaj Allianz Group Health Insurance policy are as follows:

  • Self-injury or self-harm is not included.
  • Injuries that are caused because of any involvement of the policyholder in criminal activities are not included.
  • HIV and AIDS treatments are not covered.
  • Injuries incurred because of being a victim of any criminal activity are not covered.
  • Suicide and attempt to suicide are also not covered.
  • Plastic and cosmetic surgeries unless they are suggested medically are as well not covered under the group health insurance policy offered by Bajaj Allianz Health Insurance Company.
Employee health insurance

Bajaj Allianz Group Health Insurance - FAQs

  • Q. What are tax benefits offered under the Bajaj Allianz Group Health Insurance plan?

    Ans: The premiums that one pays against a group health insurance policy offered by Bajaj Allianz Health Insurance Company are eligible for tax deductions U/S 80C of the Income Tax Act, 1961.

    However, tax benefits offered under group health insurance plans are subject to some other conditions as well. So, it is suggested to check with the tax consultant to ensure the fulfillment of various other conditions before going to make any claim.

  • Q. What are the various types of groups that can be considered in a group health insurance plan?

    Ans: The groups are generally classified into two types – a group of employers – employees and a group of non-employers – employees. Generally, the groups that opt for a group health insurance plan are an employers-employees group. However, in the case of a non-employers-employees group, the group members have to have the same or common purpose or they must engage in common economic activity. A society and employee welfare association are some of the examples of a non-employer – employee group. A group must not be formed to avail benefits of a group health insurance plan.
  • Q. Can an individual opt for a Bajaj Allianz group health insurance policy?

    Ans: No, an individual is not eligible to opt for a group health insurance policy. For availing the benefits of a group health insurance policy, you have to be part of a group.

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Policybazaar for Business - Group Health Insurance - Customer Reviews
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Based on 189 reviews
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3.8 April 09, 2023
Mansi
Excellent Support
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4.3 April 01, 2023
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4.3 March 24, 2023
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3.8 March 16, 2023
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Delhi
4.3 March 15, 2023
Rajesh
Increases Clients Expectations
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4.3 February 17, 2023
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Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
Coimbatore
4.3 February 04, 2023
Satya
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
Chennai
4.3 January 22, 2023
Abhishek
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
Delhi
4.3 January 09, 2023
Abhash
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.
Pune

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  • Disclaimers+

    *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer.

    ^ The pre-existing diseases are only covered as per insurer T&Cs.

    #Tax Benefits are subject to changes in tax laws.The benefits mentioned are as per insurer T&Cs and are available with or without extra cost depending on the plan and insurer chosen .Therefore, to learn more about the benefits in detail, contact the HR department of your company or check the insurance policy documents.. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Composite Broker.
    *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from
    +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
    By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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