Bajaj General Insurance Limited

Car Insurance – This policy not just provides cover against accidental damage and theft, but also lets you customize your policy by choosing from the host of add-on covers available. Some of these include Depreciation Shield (protection from depreciating value of the car during claims), 24×7 Roadside Assistance (one stop support for roadside emergencies such as towing, flat tyre change, battery jumpstart among others). With an extensive tie-up with network of over 4000 garages providing cashless claim settlements and the On The Spot (OTS) facility and get a claim settlement within in 20 minutes, this is truly an policy that cares for you in your time of need.

Two wheeler insurance – Give your bike extensive coverage against damages caused due to personal accident, theft, calamities and third party. Additionally, benefit from services such as On the Spot (OTS) and get instant claims settlement within 20 minutes via our mobile app and get cashless settlement services with an extensive network of +4000 garages. We give you the option of further strengthening your coverage with quality add on covers such and engine protector (which keeps you financially protected against any repair cost in case of a damaged engine and/or its parts), consumable expenses, 24×7 Roadside assistance amongst others. One can opt for a long term two wheeler insurance for 3 years and be protected for a longer time which also ensures benefits such as No claim Bonus and hikes in premium rates.

V – Pay : V-Pay is an all-in-one protection plan for motor Own Damage needs, offering comprehensive coverage against major risks. It simplifies the process by providing two plans (Classic and Elite) that cover a wide range of risks, reducing the chance of missing necessary covers. This add-on is available for private car owners seeking a worry-free, transparent experience. Premium estimates are provided upon filling out a proposal form.

Pay As You Consume: Pay As You Consume” is a customizable car insurance policy that charges premiums based on vehicle usage, ideal for infrequent drivers. It offers flexibility with various plans, potential savings on premiums, and benefits based on driving behavior tracked by a telematics device. Special features include No Claim Bonus, No Claim Discount, top-up options, grace insured kilometers, and carry forward benefits for unused kilometers. The policy covers loss or damage due to fire, theft, and accidental means, with specific terms for coverage duration and kilometers.

Named Driver: This add-on cover is available for private car owners with an existing policy, covering accidental loss or damage when driven by a named paid driver or listed driver. It also covers damage to other private cars driven by the named owner driver, with specific conditions and a 30% co-pay on claims. Loss settlement follows the base policy for the insured vehicle and indemnity for other cars, requiring a police report and evidence for claims.

With the growing new age risks and crimes on the internet, Bajaj Allianz Individual Cybersafe Insurance protects you against ten potential threats under one single policy. It cares for you when you face emergent cases of Social Media harassment, Identity theft, Malware, Email spoofing and many more such scenarios. The policy cover also includes additional benefits such as psychological counselling and IT consultancy services.

Parametric Insurance:
Parametric Insurance aims to mitigate the hardships of the insured against the financial loss owing to the anticipated loss resulting from adverse weather conditions relating to rainfall, temperature, wind, humidity etc. Payout structures are developed to the extent of losses deemed to have been suffered using the weather triggers.

Cattle Insurance:
Cattle insurance covers financial losses from death, disease, accidents, or theft of cattle, helping farmers protect their investment. Policies often include coverage for cows, buffaloes, sheep, and goats.

My Health Care Plan

Introducing a unique health insurance plan that adapts to your needs. The ‘My Healthcare Plan’ is a modular plan that allows you to customize features for yourself and your family. You can easily buy a Mediclaim policy that lets you pick and choose the coverage you need. Design your health care plan, and the premium will be determined based on your choices.

Key Features:

• Flexibility to design your own plan

• OPD benefit of 2X (twice the premium)

• Sum insured options up to 5 Crore

• Unlimited sum insured reinstatement

• Inbuilt maternity and baby care cover

• Consumable expenses covered up to sum insured

• Option to add international cover (emergency only)

CritiCare

Critical illnesses can have a significant impact on your life and finances. This critical illness insurance plan will act as a vanguard against heavy costs associated with the treatment of certain life-threatening diseases..

Key Features:

• 43 critical illnesses covered

• Option to choose from 5 sections: Neuro Care, Cardiovascular Care, Kidney Care, Cancer Care, and Transplants Care, and Sensory Organs Care

• Minor and Major stages of critical illness are covered

• After claiming 100% in one section, the policy continues for the remaining sections

Health Guard

Health Guard Policy offers comprehensive benefits for expenses related to illness or surgery. It covers medical treatment expenses during hospitalization due to serious illness or accident. This policy ensures you are financially protected at an affordable price.

Key Features:

• Reinstatement of Sum Insured even for the same illness if Sum Insured and accumulated Cumulative Bonus are exhausted in a policy year
• Recharge benefit up to 20% of SI, maximum up to 5 Lakh

• Preventive Health Check-up benefit at the end of every continuous period of 3 & 2 years respectively

• Freelook period of 30 days

• Modern Treatment Methods & Advancement in Technologies covered up to SI

• Cumulative Bonus maximum up to 150% under Platinum Plan

Extra Care Plus

In times of rising medical costs, Bajaj Allianz’s Extra Care Plus Policy provides additional cover to your existing health insurance, offering wider protection for you and your family. It covers higher expenses due to illness or accidents, ensuring you have adequate health insurance coverage.

Key Features:

• Wide range of sum insured and aggregate deductible options

• Pre-existing disease covered after 12 months from your first Extra Care Plus policy

• Maximum entry age for adults is 80 years

• Option to opt for Air Ambulance Cover

• Maternity expenses including complications of maternity.

Travel insurance by Bajaj Allianz cares for your well-being while you travel abroad. Here are the key categories under Travel insurance:

Travel insurance for Individual – This plan category of travel insurance cares for an individual in case of unfortunate incidents while traveling abroad. Some of the key coverages include medical expenses cover, trip cancellation and curtailment, loss of passport and baggage. The sum insured amount varies from 50000 USD to 500000 USD. We have wide range of products like Travel Companion, Travel Prime and Travel Ace to choose it from.

Travel insurance for family – Under this category of travel insurance, you can cover your entire family in a single policy. The coverage includes medical expenses cover, trip cancellation and curtailment, home burglary cover, loss of checked-in baggage and passport and emergency cash to name a few. The sum insured amount varies from 50000 USD to 500000 USD.

Student Travel – This plan category of travel insurance is custom-made for students planning to pursue higher education abroad in international universities. Expenses in foreign countries can be very steep, and hence having a travel insurance in place for the specific tenure makes your life easier. We The key coverages under this plan are hospitalization and medical cover, loss of checked-in baggage, loss of passport.

Commercial insurance offers solutions for all sectors of the industry ranging from automotive, aviation, construction, chemicals, foods and beverages, manufacturing, oil and gas, pharmaceuticals, power, technology, telecom, textiles, transport and logistics. As all these sectors/activities involve heavy capital and investment, and a commercial insurance can really come in handy, when things go unexpectedly wrong.

Here are some of the various types of commercial insurance products we offer that care for your organization :

• Property insurance
• Marine insurance
• Liability insurance
• Financial lines insurance
• Engineering insurance
• Energy insurance
• Employee benefits insurance

International insurance solutions

Commercial insurance offers solutions for all sectors of the industry ranging from automotive, aviation, construction, chemicals, foods and beverages, manufacturing, oil and gas, pharmaceuticals, power, technology, telecom, textiles, transport and logistics. As all these sectors/activities involve heavy capital and investment, and a commercial insurance can really come in handy, when things go unexpectedly wrong. Here are some of the various types of commercial insurance products we offer that care for your organization :

• Property insurance

• Marine insurance

• Liability insurance

• Engineering insurance

• Energy insurance

• Surety Insurance

• Business Advantage

• Merger and Acquisitions

• Employee benefits insurance