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Health Insurance Plans that are low on premium
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Finding affordable and cheapest health insurance in India is important. These plans cater to individuals and families seeking comprehensive coverage at budget-friendly premiums. These plans typically offer basic to moderate coverage for hospitalisation, outpatient treatments, and sometimes pre-existing conditions. They are designed to provide financial protection against unexpected medical expenses without burdening the policyholder financially.
The cheapest health insurance in India often comes with limitations, such as sub-limits on certain medical expenses or co-payment requirements. These are ideal for individuals looking to secure essential healthcare services without compromising quality, ensuring peace of mind during health emergencies while managing costs effectively.
Here are the various types of affordable health insurance plans that cater to different needs:
Types |
What it Covers |
Individual Health Insurance |
Provides coverage for medical expenses of a single person, including hospitalisation and treatments. |
Family Floater Health Insurance |
The entire family (spouse, children, parents) is covered under a single policy with a shared sum insured. |
Senior Citizen Health Insurance |
Specifically designed for individuals above 60-65 years, offering coverage for age-related health issues. |
Critical Illness Insurance |
Offers a lump-sum payment if diagnosed with specified critical illnesses like cancer or heart attack. |
Group Health Insurance |
Covers a group (e.g., company employees) under a single policy, providing healthcare benefits. |
Top-up Health Insurance |
Provides additional coverage at a lower premium once the basic sum insured is exhausted. |
Personal Accident Cover |
Provides compensation for death, disability, or injury due to an accident, often irrespective of location. |
Maternity Health Insurance |
Covers expenses related to pregnancy, childbirth, and post-natal care, including complications. |
Mediclaim Insurance |
Reimburses hospitalisation expenses incurred due to illness or injury, subject to policy terms. |
Disease-specific Insurance |
Covers specific illnesses like COVID-19 (e.g., Corona Kavach), offering tailored medical coverage. |
Hospital Daily Cash Insurance |
Pays a daily cash benefit during hospitalisation to cover incidental expenses unrelated to treatment costs. |
For us here at Bajaj Allianz, nothing matters more than your satisfaction. That is why, instead of jumping on the cheap health insurance bandwagon, we have tailored our Health Insurance Plans to meet your unique needs at different stages of life. Offering you complete peace of mind, when you avail our policy, you get:
Quick Settlement of Claims
On average, we approve your claims settlement in under an hour! Also, with our Claim by Direct Click (CDC) feature, available on our app, you can raise claims up to Rs 20,000 saving time and money.
Cashless and Carefree
No matter where you are, our tie-up with the leading hospitals ensures you always find the one near you. With us, you can avail cashless treatment facilities at over 6000 hospitals across India.
24X7 Support
Whenever you call us, you’ll always hear a warm voice on the other end of the line, including holidays. If you need help, all you need to do is call our Toll-free number 1800-209-5858 for claims assistance. You can also get regular updates on the status of your claim on the app.
Gamut of Policies
Do you want a policy for yourself? Do you want comprehensive coverage for your entire family? Do you want to guard yourself against critical ailments or want to top-up your existing plan? We, at Bajaj Allianz, offer you a gamut of policies to meet your unique needs.
Offering you complete flexibility you can choose the sum insured, policy tenure and other features as per your requirements.
In-house Health Administration Team
We deliver on our promise to settle your claims in the least possible time. Our dedicated in-house Health Administration Team sees your claim through to the finish (read settlement) line with Olympic style precision.
The team also takes care of any additional needs that you might have from time to time. Our aim, of course, is to make every second count when it comes to delivering on our promises!
Extensive Coverage
From diagnosis to recovery, we are always by your side. Our policies cover pre- and post- hospitalisation expenses for 60 and 90 days respectively, offering coverage for day care treatment too. You also get cover for organ donor expenses, bariatric surgery, maternity expenses and Ayurvedic or homoeopathic hospitalisation.
Instant Renewal
Renewing your health insurance policy online is faster than ever. Just log on to our website, fill up the required details, make the payment and continue enjoying its benefits.
We also offer lifelong renewal options so that you are covered throughout your life.
Understanding these factors empowers you to compare plans and find the most affordable health insurance:
Warning! Myth Buster Ahead. Health insurance does not provide coverage for every disease. Read more
You get hospitalised for a certain disease believing that the expenses would be taken care of by your health insurance plan, only to realise later that you need to dip into your savings for the costs incurred.
Therefore, it’s important to go through the policy minutely to know the medical ailments for which you get coverage.
Medical emergencies often arrive unannounced and in such a scenario, getting the best possible treatment at a top-notch hospital near your home can make a major difference. Read more
Before opting for a health insurance plan, do check out the network of hospitals covered by the policy where you can receive cashless treatment.
Also, check the claim settlement process to ensure funds are not the roadblock for receiving high-quality care.
Hospitalization expenses may be a major chunk of your medical bills, but there are other charges that have to be paid too. Read more
These include doctor’s consultation fees, cost of reports, expenses related to pre- and post- hospitalisation and much more.
While buying a health insurance plan, it’s vital to understand the add-on features available with the policy. See if your policy offers cover for these expenses that can drain your finances.
Balancing affordability with adequate coverage is key. Here are some tips for choosing low-cost health insurance:
Don’t wait for a medical emergency to knock on your door!
Get a QuoteEnrol more members to lower the premium amount
Paying a certain percentage of the medical bills from your own pocket further helps you avail discounts
Opting for a long policy tenure results in further savings
The premiums paid qualify for tax exemption under section 80D
Know the present condition of your body through a comprehensive check-up at our expenses
Raises the sum insured at no extra premium to help tackle rising medical costs
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
Sundar Kumar Mumbai
Easy online buying of health insurance policy with no manual intervention required.
Pooja Mumbai
Bajaj Allianz very informative and helpful representatives.
Nidhi Sura Mumbai
The policy issue was very quick and simple. User friendly interface.
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