Bajaj Allianz Family Health Care

All You Need To Know


Bajaj Allianz's Family Health Care Policy is designed to suit your health care needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident.


  • OTC product with only 4 Age Brackets – 0-40, 41-60, 61-70 & 71+
  • No room rent restriction
  • Road ambulance : Up to INR 3000
  • Hospital cash benefit : INR 500 per day for max 30days
  • 100% Sum insured re-instatement benefit
  • Free Medical check-up at the end of continuous period of 3 years : up to 1% of the SI max up to INR 2000
  • It also offers coverage for
    • In-patient Hospitalisation Treatment
    • Pre-Hospitalisation : 60 days
    • Post-Hospitalisation : 90 days
    • Day Care Procedures
    • Organ Donor Expenses
    • Ayurvedic / Homeopathic Hospitalisation Expenses

    Click Here to read the policy wording.


  • Benefits will not be available for Any Pre-existing condition, ailment or injury, until 36 months of continuous coverage have elapsed, after the date of inception of the first Family Health Care policy, provided the pre-existing disease / ailment / injury is disclosed on the proposal form.
  • Any Medical Expenses incurred during the first 36 months during which You have the benefit of a Family Health Care policy with Us in connection with:

a. Joint replacement surgery

b. Surgery for prolapsed inter vertebral disc (unless necessitated due to an accident)

c. Surgery to correct deviated nasal septum

d. Hypertrophied turbinate

e. Congenital internal diseases or anomalies

f. Treatment for correction of eye sight due to refractive error recommended by Ophthalmologist for medical reasons.

  • Any disease contracted and /or medical expenses incurred in respect of any disease /illness by the insured during the first 30 days from the commencement of the policy, except for accidental injuries.
  • Treatment arising from or traceable to pregnancy and childbirth including caesarian section, and/or any treatment related to pre and postnatal care and complications arising out of Pregnancy and Childbirth. However this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending medical practitioner.
  • Any dental treatment that comprises cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, orthognathic surgery, jaw alignment or treatment for the temporomandibular (jaw) joint, or upper and lower jaw bone surgery and surgery related to the temporomandibular (jaw) unless necessitated by an acute traumatic injury or cancer and also requiring Hospitalisation.
  • Medical expenses where Inpatient care is not warranted and does not require supervision of qualified nursing staff and qualified medical practitioner round the clock.
  • Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental Bodily injury.
  • Circumcision unless required for the treatment of Illness or Accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.

Please note: For details, please refer to the product brochure for policy terms and conditions.

Claims Process

You can register a claim by using the link : or over the phone by dialling our Toll free number - 1800-209-5858, post which you will be connected to our customer care executive who will guide you through the entire Insurance claim process.

You can also drop a mail to and register your claim


What is the entry age or age limit for this policy?

  • 18 years to 65 years for Self, Spouse & Parent
  • 3 months to 25 years for children

What type of policy is it?  

  • This is an annual floater policy

What is the Renewal Age?  
The policy can be renewed for lifetime

What is the waiting period for pre-existing diseases?
Until 3 years of continuous coverage have elapsed, after the date of inception of Family Health Care policy, provided the pre-existing disease / ailment / injury is disclosed on the proposal form

What additional benefits do I get?
Cumulative bonus: If you renew your Family Health Care policy with us without any break and there has been no claim in the preceding year, we will increase the Limit of Indemnity by 10% of base sum insured per annum.
* Please refer the brochure for more details regarding this point.*