Bajaj Allianz General Insurance has launched a new health insurance policy that is customized to meet the unique healthcare needs of each state in India. The policy, called “State-wise Health Insurance Policy,” takes into account the local hospital infrastructure, prevalent health concerns, and affordability levels of each state to provide comprehensive coverage that is both affordable and accessible. The policy is available in both individual and floater variants, with flexible sum insured options ranging from INR 5 lakh to INR 20 lakh.
The policy offers extensive coverage, including inpatient hospitalization, pre- and post-hospitalization expenses, and day care procedures. It also covers advanced treatments such as robotic surgeries and stem cell therapy, as well as organ donor expenses. The policy has a lifetime renewal option, ensuring continuous coverage without age restrictions.
To enhance protection, the policy offers optional add-ons, including the Unlimited Sum Insured Reinstatement feature, which allows policyholders to restore their sum insured an unlimited number of times within a policy period after making a claim. The Super Cumulative Bonus rewards customers with up to 200% sum insured for claim-free years, enhancing coverage year after year.
The policy is available in 25 states and 5 Union Territories, each with a unique name inspired by the local language and cultural context of the state it represents. Bajaj Allianz offers special discounts for family coverage, loyalty benefits, and direct online purchases. The policy also promotes a healthier lifestyle by offering a wellness discount at renewal, with customers eligible for a 5% or 10% discount based on their daily step count.
The policy can be purchased through Bajaj Allianz General Insurance’s extensive network of branches, partner banks, agents, and digital platforms. The company aims to make healthcare security accessible, relevant, and truly personal for every Indian, with a focus on affordability, state-specific pricing, and comprehensive protection.
Bajaj Allianz General Insurance is India’s premier private general insurance company, with a wide range of general insurance products, including motor insurance, home insurance, and health insurance. The company has consistently expanded its reach to be in close proximity to its customers, with a presence in nearly 1,500 towns and cities across India. With the launch of this initiative, Bajaj Allianz is setting a new benchmark in health insurance, making coverage more personal, relevant, and beneficial for every region.