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General Insurance

Bajaj Allianz

MOTOR INSURANCE PLANS

You rely on your vehicle for complete freedom of movement. Motor insurance sustains your freedom by compensating your major claims which can otherwise be very expensive. You love taking long drives and commuting to office with the radio on. Your vehicle is one of your most important possessions. Give it the care and protection it deserves with Bajaj Allianz motor insurance.

Private car insurance or two-wheeler insurance by Bajaj Allianz provides unmatched care and protection for your motoring experience.

Motor insurance is one of the things you need against expensive costs like a breakage or third party claims.

Motor insurance is an important thing to consider even before buying a car.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Buy Car Insurance Online with Bajaj Allianz

Your car insurance policy is the most important document in your vehicle because it protects you against financial loss and legal issues. Millions of car owners across India trust us to insure their car since we provide package policies that would protect them against physical damage, bodily injury / death and cover against third-party liability, bringing them security and peace of mind. All this is backed by our advanced claims servicing capability and fast settlement record for vehicles insured with us.

  • Cashless settlement at over 4000 preferred garages.
  • Hassle free claim settlement.
  • Quick and easy online purchase process.
  • 24x7 claims support.

Key Benefits of Motor Insurance with Us

  • Instant online policy issuance and renewal in easy steps.
  • Cashless claims at over 1500 preferred garages. 75% on account payment when cashless facility is not available.
  • To locate a Bajaj Allianz's Preferred Garage nearest to you call us at: 1800-209-0144 (Toll Free).
  • Transfer your existing No Claim Bonus from any insurance provider ranging from 20% - 50%.
  • Instant claims assistance and SMS updates on your motor claim status through our 24x7 call-centers.
  • Towing facility in an event of a breakdown/accident 24x7 service by phone or online-even on holidays.
  • Bajaj Allianz' preferred workshops give you access to hassle-free inspection, high service standards and cashless settlement of claims in event of an accident/breakdown.

What is Covered?

  • Loss or Damage to your car and two-wheeler against Natural Calamities
    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
  • Loss or Damage to your car and two-wheeler against Man-made Calamities
    Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Personal Accident Cover
    Coverage of Rs.1 Lakh for the individual owner/driver of the vehicle while driving or travelling, mounting or dismounting from the two wheeler. Optional personal accident covers for co-passengers available.
  • Third Party Legal Liability
    Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

What is Not Covered?

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Mechanical/ electrical breakdown
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement
  • Vehicles being used otherwise than in accordance with limitations as to use
  • Damage to/ by a person driving any vehicles without a valid license
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor. Loss/ damage due to war, mutiny or nuclear risk

Three Different Plans to Choose From

Options Best Value Standard Plan Flexible Plan
Premium Cost
Low Low Low
Coverage
Regular Regular Regular
Own Damage Premium
Enhanced Enhanced Enhanced
Basic Third Party Liability
PA-Cover for Owner/Driver
Coverage for Electrical accessories
Optional Optional Optional
Coverage for Non-Electrical accessories
Optional Optional Optional
PA-Cover for co-passenger
Optional Optional Optional
CNG Kit Coverage
Optional Optional Optional
Driver Cover
Optional Optional Optional
NCB Discount
Optional Optional Optional
Voluntary Deductible - Save Premium
Optional Optional
Depreciation Shield
Engine Protector
24/7 Roadside Assistance

Buy Two Wheeler and Bike Insurance Online Your two-wheeler gives you a sense of freedom and our Bajaj Allianz two-wheeler insurance policy has been designed to keep you secure. Our two wheeler package policy provides complete protection to your bike or scooter against physical damage, theft and third party liability.

With your two wheeler insurance, you get:

  • Hassle-free claim settlement
  • Quick and easy steps to purchase bike insurance online
  • 24x7 claim support

Key Benefits of Two Wheeler Insurance with Us

  • Buy/renew your two wheeler or your bike insurance online in easy steps.
  • Transfer up to 50% of your existing No Claim Bonus from any bike insurance provider.
  • Avail our 24x7 telephonic service for claims support and other assistance, even on holidays.
  • Instant claims assistance and SMS updates on your claim status through our 24x7 call-centers.
  • Bajaj Allianz provides you hassle-free inspection process thereby offering you a high service standard with two wheeler insurance

What is covered?

  • Loss or damage to your two wheeler against natural calamities:
    Your bike insurance policy covers fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
  • Loss or damage to your two wheeler against man-made calamities:
    Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air is covered by two wheeler insurance.
  • Personal Accident Cover:
    With bike insurance, get coverage of Rs.1 lakh for the individual owner/driver of the vehicle while driving or travelling and mounting or dismounting from the two wheeler. Optional personal accident covers for pillion riders / unnamed hirers are available with our two wheeler insurance.
  • Third Party Legal Liability:
    Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

Exclusions

  • Normal wear and tear and general ageing of the vehicle.
  • Mechanical/electrical breakdown.
  • Vehicles being used otherwise than in accordance with limitations as to use.
  • Damage to/by a person driving the vehicle without a valid license.
  • Damage to/by a person driving the vehicle under the influence of drugs or liquor.
  • Loss/damage due to war, mutiny or nuclear risk.
  • Loss or damage to accessories by burglary, house breaking or theft unless the vehicle is stolen at the same time.
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement.

In order to keep moving, it is essential to have your vehicles insured. We cover your legal liability towards third parties for personal injury, death and property damage from any accident involving your vehicles. Your motor insurance with us brings to you confidence and peace of mind.

Bajaj Allianz offers "Liability only" Policies for commercial vehicles across the various classes of vehicles like goods carrying vehicles - private and public carrier, passenger carrying vehicles, miscellaneous and special types of vehicles.

What is covered under "Liability only" Policy to Third Parties?

  • Covers the legal liability for injury, death, and/or property damage caused to a third party in the event of an accident caused by or arising out of the use of the vehicle.
  • Death or bodily injury to a third party
  • Damage to third party property

Personal Accident Cover For Owner/Driver

  • Accidental Death
  • Permanent Total Disability

Health Insurance Plans

Bajaj Allianz Health Insurance Policy guarantees peace of mind and ensures that you and your family will receive the best treatment at a hospital of your choice. Bajaj Allianz offers a range of affordable health insurance plans. Our health plans are custom made to protect you against the rising healthcare costs. We have the highest claim settlement ratio among private insurers. This includes health insurance products designed to meet specific requirements, such as individual health insurance, family health insurance, health insurance for senior citizens, and top-up health insurance cover.

Benefits of Bajaj Allianz Health Insurance

  • Approval within 1 hour for Cashless claims.
  • Value Added Service (VAS) partners providing discounts and special offers exclusively for our customers.
  • Tie-up with more than 4000 Hospitals and 1200 Diagnostic clinics across the country.
  • 24/7 call assistance for claims settlement.

Value Added Services

  • OPD discounts at select outlets.
  • Discounts on Pathologies at select outlets.
  • Discount on Radiology at select outlets.
  • Discounts on Wellness Test at select outlets.
  • Discounts on Pharmacy.
  • Many more lucrative health related offers at select outlets.

What Coverage do I get?

  • Hospitalisation Expenses are covered under policy.
  • Pre and Post expenses are covered under policy which is before 60 days and after 60 days.
  • Covers ambulance charges upto limit of Rs. 100.
  • 130 day-care procedures are covered subject to terms and conditions.

What Benefits do I get?

  • Family discount is given of 10%
  • 10% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed if continuously renewed with us.
  • Medical tests (pre-policy check-up) are mandatory for members aged 46 years and above.
  • Pre-policy check up would be arranged at our empanelled diagnostic centers.
  • 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued.
  • In case the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
  • Free Health check-up at designated Bajaj Allianz diagnostic centers at the end of 4 continuous claim-free years.
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

Eligibility

  • Proposer or spouse aged 18-65 years and children aged 3 months to 25 years can be covered under the plan.

A health plan which can be taken for the coverage of the entire family covering yourself, spouse, children and dependent parents.

The features of the plan are as follows:

What Coverage do I get?

  • Pre and Post hospitalisation expenses are covered i.e 60 days before you are hospitalized and 60 days after.
  • Medical check up for 4 years which would be done at the end of every year.

What Benefits do I get?

  • Cumulative bonus of 10% to your Limit of Indemnity for every claim free year.
  • 10% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed in case policy is continuously renewed with us.
  • No medical tests upto 45 years, subject to clean proposal form.
  • Medical tests (pre-policy check-up) are mandatory for members aged 46 years and above.
  • The pre-policy check up would be arranged at our empanelled diagnostic centers.
  • 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued.
  • 130 Day Care Procedures are covered under the policy.
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

A top-up health plan which can be bought to increase the coverage beyond the coverage provided in an existing health plan at low costs.

The features are as follows:

What Coverage do I get?

  • Medical Expenses: Covered upto the sum insured
  • Ambulance Charges: Up to Rs.3000/-.
  • Pre and Post Hospitalisation: Upto 60 and 90 days respectively.
  • Waiver for Pre-existing Diseases: After 4 years of continuous policy.
  • Floater Policy (upto 3 Children): Single sum insured for the whole family.
  • Continuity: Continuity for waiting periods will be given for any policy at any sum insured.
  • Pre-Acceptance Medical Test: No test till 55 years of age for clean proposals.
  • Affordable Premium: Starting at Rs.2500/-.

Eligibility

Individuals aged 18-70 years are eligible to apply. In case of children, the age limit is 3 months to 5 years if both parents are covered or 6-18 years if either of the parents is covered with the company. Children aged 18-25 years can act as a proposer or dependent.

A policy that covers expenses arising out of any accident suffered by the proposer of his insured family.

The features are as follows:

What Coverage do I get?

  • Policy covers Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death
  • Hospital confinement allowance
  • Accidental Hospitalization Expenses
  • Value Added Service (VAS) partners providing discounts and special offers exclusively for Bajaj Allianz Health Insurance customers
  • Tie-up with more than 4000 Hospitals and 1200 Diagnostic clinics across the country

What Benefits do I get?

  • 10% cumulative bonus benefit for each claim free year, maximum up to 50%.
  • If you are not satisfied with the policy tou can cancel the policy within the 15 days of receipt of policy document
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

Eligibility for Premium Personal Guard Policy

Proposer or spouse aged 18-65 years and dependent children aged 5 to 21 years can be covered under the plan

A policy that covers expenses arising out of any accident suffered by the proposer of his insured family.

The features are as follows:

What Coverage do I get?

  • Policy covers Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death
  • Hospital confinement allowance
  • Accidental Hospitalization Expenses
  • Value Added Service (VAS) partners providing discounts and special offers exclusively for Bajaj Allianz Health Insurance customers
  • Tie-up with more than 4000 Hospitals and 1200 Diagnostic clinics across the country

What Benefits do I get?

  • 10% cumulative bonus benefit for each claim free year, maximum up to 50%.
  • If you are not satisfied with the policy tou can cancel the policy within the 15 days of receipt of policy document
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

Eligibility for Premium Personal Guard Policy

Proposer or spouse aged 18-65 years and dependent children aged 5 to 21 years can be covered under the plan

Key Features

  • Sum insured range from Rs. 5 to 50 lacs.
  • Entry age for proposer is 18 years to lifetime and for children it is 3 months to 25 years.
  • Free annual preventive health check-ups
  • Air ambulance cover, physiotherapy etc. such unique expense all also covered.

What Benefits do I get?

  • Cumulative bonus of 10% of sum insured for each claim free year, up to a maximum of 50% of sum insured.
  • 15 days free look period
  • Grace period of 30 days from policy’s expiry date
  • Cashless facility in around 3700 network hospitals across India
  • In-house claims settlement by health administration team of Bajaj Allianz
  • Income Tax Benefit under Sec 80 D of the Income Tax Act on the premium.

Policy Benefits

Minimum sum assured – 5 lakhs
Maximum Sum Assured – 50 lakhs
Coverage Type - Family (Husband, wife and children)
No Claim Bonus - 10% cumulative bonus benefit for each claim free year, maximum up to 50% of the sum insured.

Exclusions

  • Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury
  • Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy
  • Intentional self-injury
  • Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
  • Medical expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

Documents Required

Policyholder has to fill up an 'Application form/ proposal form' with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.

Eligibility for Bajaj Allianz Critical Illness Health Insurance Policy

Proposer, spouse or parent’s entry age is 18 years to lifetime and for children it is 3 months to 25 years.

Renewal for up to 35 years for dependent children post which they have to take an independent policy.

A plan which provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements.

The features of the plan are as follows:

Key Features

Sum insured options available are-

  • Rs 500 per day
  • Rs 1000 per day
  • Rs 2000 per day
  • Rs 2500 per day

Coverage

  • Hospital Cash offers complete health protection for you, your spouse as well as children.
  • It is recommended that the Hospital Cash Policy be taken as an add on policy along with our Health Guard / Critical illness policies so as to be assured of peace of mind.
  • Hospitalization within 30 days of the policy, pre-existing diseases, dental treatment or surgery, treatment related to pregnancy, childbirth, natural perils like avalanche, earthquake, volcanic eruptions etc., accidents resulting from drunken driving are some exclusions.

Benefits

  • Hassle free claim procedure
  • Income Tax benefit on the premium paid as per section 80D of the Income Tax Act
  • 5% family discount applicable if 2 or more family members are covered under the same policy. The family discount will be offered for both new policies as well as for renewal policies

Documents Required

An individual has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof to buy the policy. Medical examination may be required in some cases, based on the sum insured and the age of the person.

Eligibility

Entry age for proposer, spouse: 18 - 65 years. Dependent children: 3 months to 21 years.

A plan which provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements.

The features of the plan are as follows:

Coverage

Health Guard: This section protects you and your family in case of serious accident or major illness, by providing cashless benefit and medical reimbursement for hospital expenses.

Hospital Cash: Hospital cash guards you and your family against the trauma that you face because of increased financial burdens during hospitalization. The section provides cash benefits for each day (24 hours) of hospitalization to meet the resulting expenses.

Critical Illness: A lump-sum amount will be given to the insured once he/she is diagnosed with a critical illness. Donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid from the amount received under this cover.

Personal Accident: The section provides coverage against accidental death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD) and Temporary Total Disability (TTD) to the insured person.

Education Grant: In case of an accidental death or PTD of the insured person, the sum insured as per this section in the schedule, would be payable towards continuing the education of the deceased's surviving child/children.

Household Contents: Under this section, the insured will be covered for the losses incurred due to an actual or attempted burglary or housebreaking.

Travelling Baggage: This section will cover your personal baggage while travelling anywhere in India, with respect to accidental loss, destruction of, and damage caused to personal baggage.

Public Liability: This section protects you against legal liability for bodily injury or damage to property of a third party.

Exclusion

  • Pre-existing diseases and related complications.
  • Hospitalization within 30 days from the commencement of the policy.
  • Treatments arising from or traceable to pregnancy and childbirth including Caesarean section.
  • Surgery and dental treatments are not covered, except in case of accident and requiring hospitalization.
  • Natural perils like avalanche, earthquake, volcanic eruptions or any kind of natural hazard.
  • Accidents due to drunk driving.
  • A waiting period of 4 years will be applicable for pre-existing diseases.

Eligibility

  • Entry age for all coverage’s is restricted from 18 years to 65 years for self-proposers.
  • Children aged between 3 months to 5 years can be covered along with both the parents.
  • Children aged between 6 years to 25 years can be covered if one of the parents is covered.

Key Features

  • OPD & Hospitalisation expenses covered under a single policy on floater basis
  • Access to over 5000 hospitals all over India for cashless facility.
  • Covers ambulance charges in case of an emergency up to Rs 1000/-
  • 130 day care procedures subject to terms & conditions
  • 10% co-payment of the admissible claim amount applicable if treatment is taken in non-network hospital, waiver of co-payment is available on payment of additional premium.

Benefits

  • A single policy or cover can be continued till a person reaches 75 yrs!
  • The premium slabs remain same from 18 yrs -55 yrs & 56- 75 yrs
  • No restrictions of waiting periods to claim under Outpatient expenses
  • You can claim for dental procedures & treatment under OPD section!
  • Cost of Spectacles, dentures, crutches can also be claimed under OPD Section!

Eligibility

  • Entry age is 18-75 years

Life is uncertain. Your future doesn't have to be. Accidental death or injury of a breadwinner can create serious financial problems for the family. Our Personal Guard health insurance plan ensures total security and peace of mind.

Personal Guard is a policy that covers the insured against bodily injury or death caused due to accidents.

What are the benefits of the policy?

  • Highest compensation of 125% of the sum insured in case of permanent total disability.
  • Medical Expenses arising out of accident.
  • Children's education bonus / in case of death or permanent total disability of proposer
  • Cumulative bonus @10% per claim free year to a maximum of 50% (reduced by 10% if claim is lodged).
  • Family discount of 10%.

What are the benefits of this policy?

  • Medical expense reimbursement is given upto 40%
  • Children’s education bonus Rs 5000 for a child and Rs 10000 for 2 children below the age of 19 or 10% of capital sum insured, whichever is less.

A critical illness plan for women with the following features:

  • The plan covers against 8 women specific critical illnesses which include ovarian cancer, breast cancer, vaginal cancer, cervical cancer, uterine/endometrial cancer, burns, fallopian tube cancer and paralysis or multi-trauma.
  • The plan also provides for a 50% Sum Assured benefit in case of congenital disability
  • Children Education Bonus and Loss of Job coverage is also provided in the plan

Additional Benefits

  • List Of the Congenital diseases /defects
  • Down's syndrome
  • Congenital cyanotic heart disease
  • Tracheo-esophageal fistula
  • Cleft Palate
  • Spina Bifida

What is not covered?

The full range of benefits available and the exclusions that apply under the policy is detailed in the policy document. A copy of the policy wording is available on request, and will be sent to you upon the acceptance of your proposal. If you have any questions, please contact us or your insurance advisor.

The company provides the facility of health insurance premium calculation to prospective individuals seeking to buy health insurance plans form the company. Following are some of the instances where the premium has been calculated using the company’s calculator:

  • A wants to apply for a Health Guard Individual policy for himself for a value of Rs.5 lakhs. He is 30 years old and for the stated coverage, the amount of annual premium works out to be Rs.5130
  • B wants to buy a plan for himself and his newly married wife. He approaches Bajaj Allianz with a proposal to cover himself and his spouse for Rs.7.5 lakhs. B is aged 35 years and his wife is aged 32 years. The premium for their health insurance plans comes to Rs.13418.
  • C a 40 year individual needs a health plan for his family comprising of himself, his wife aged 38 years and his 2 children aged 7 and 12 years respectively. The coverage sought is Rs.10 lakhs for which the premium charged is Rs.19098.

The table tabulates the above data for an instant reference:

Applicant No. of Members Covered Sum Assured Premium
A 1 5 Lacs 6156
B 2 7.5 Lacs 13418
C 4 10 Lacs 19098

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