Bajaj Allianz Arogya Sanjeevani Policy

Eligibility Criteria

Features of Bajaj Allianz Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani health insurance policy is loaded with the following features and benefits:

• The sum insured options under the Bajaj Allianz Arogya Sanjeevani policy range from Rs 1 lakh to Rs 25 lakh
• The policy covers all the daycare procedures as well
• Pre-acceptance medical screening is only required for people above the age of 45 years
• Pre and post hospitalization expenses are claimable for 30 days and 60 days respectively
• 5% cumulative bonus is provided for all the claim-free years
• Hernia, varicose veins, fissures, congenital anomalies, sinus, benign tumors, polyps, cysts, and some other specific disease treatment/ surgery are payable after completion of 24 months of the policy term
• The insured has an option to pay the premium in installments

Inclusions of Bajaj Allianz Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani policy provides the following coverage benefits:

• Modern Treatments are covered up to 50% of the Sum Insured
• Cataract surgery 25% of Sum Insured or Rs.40,000
• Road ambulance cover up to Rs 2000
• Room Rent capping is kept at 2% of the sum insured up to a maximum of Rs 5000 per day
• ICU cover up to 5% of the sum insured or up to a maximum of Rs 10,000 on a daily basis
• Ayush treatment charges for Homeopathy, Naturopathy, Siddha, and Unani are covered

Exclusions of Bajaj Allianz Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani policy does not cover the following expenses:  

• Obesity/weight control treatments
• Maternity expenses are not claimable
• OPD treatment and domiciliary hospitalization expenses
• Infertility and sterility treatment are excluded

How to File a Claim for Bajaj Allianz Arogya Sanjeevani Policy?

To file a cashless and reimbursement claim for Bajaj Allianz Arogya Sanjeevani Policy follow the process as given below:

• You can call the insurer or speak to our health insurance experts at 1800-708-8787 for assistance
• Inform your policy ID number and registered email id
• At the time of hospital admission, you can furnish the ID Card issued by the Insurer at the Hospital Helpdesk
• You need to get the pre-authorization Form from the Hospital Help Desk, provide the Patient Information, and re-submit is to the Hospital Help Desk
• For emergency hospitalizations, the information needs to be provided within 24 hours after hospitalization
• In non-network hospitals, you need to pay the amount up-front and then file for reimbursement claim with all the documents
• On the other hand, in network hospitals when you are availing the cashless treatment the amount will be settled by the insurer directly with the hospital

FAQs