How to File a Claim with Bajaj Allianz Health Insurance?

How to File a Claim with Bajaj Allianz Health Insurance?

Bajaj Allianz General Insurance is renowned for its efficient, customer-centric approach to handling health insurance claims, ensuring a hassle-free experience for policyholders. The company's claim process is designed for ease of use and quick resolution, particularly in urgent medical situations. The insurer is known for its prompt processing of cashless claims and its commitment to providing seamless support to its policyholders.

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Ways to File a Bajaj Allianz Health Insurance Claim

Bajaj Allianz Health Insurance offers two main avenues for filing claims, each tailored to different situations and needs. The details for both cashless and reimbursement claims are given below:

1. Cashless Claims

   This option is exclusively available at the Bajaj Allianz Health Insurance network hospitals. It allows policyholders to receive necessary medical treatments without worrying about immediate cash payments. The insurer directly settles the bill with the hospital, thus providing significant relief during medical emergencies. This process not only simplifies hospital admission but also ensures peace of mind for the insured

2. Reimbursement Claims

   Suitable for treatments received at hospitals outside the Bajaj Allianz Health Insurance network, this method involves the policyholder paying the hospital bills first and then claiming reimbursement from the insurer. This option offers the flexibility to choose from a wider range of hospitals and healthcare facilities, ensuring that the policyholder's preference for a specific doctor or hospital is accommodated. Although the reimbursement process requires upfront payment, it is structured to be straightforward and user-friendly, ensuring that claims are processed and settled efficiently.

How to File a Bajaj Allianz Health Insurance Claim Online with Policybazaar?

Policybazaar streamlines the online claim process for Bajaj Allianz policyholders, making it more accessible and manageable. By following the simple steps outlined below, policyholders can easily navigate the claim filing process, ensuring a smooth and efficient experience with minimal hassle:

Step1: Contact Policybazaar's claim support team promptly at 1800-258-5881 or email at care@policybazaar.com.

Step 2: Visit Policybazaar.com, navigate to ‘Claims’, and select ‘File a New Claim’.

Step 3: Choose ‘Health Insurance’, enter your mobile number, and verify with OTP/password.

Step 4: Follow the instructions and click on ‘File a new claim’ to submit your claim.

Your claim will be effectively lodged, and Policybazaar will liaise with Bajaj Allianz General Insurance Company to manage the process for you.

How to File a Claim with Bajaj Allianz Health Insurance

When it comes to filing a claim directly with Bajaj Allianz, the process is clear and structured for both cashless and reimbursement claims:

1. Bajaj Allianz Health Insurance Cashless Claim Process:

   The procedure for filing a cashless claim with Bajaj Allianz General Insurance is outlined as follows:

   Treatment or Hospitalisation Advice

   When your doctor advises treatment or hospitalisation, the claim process begins.

   Intimation of Claim

   Inform Bajaj Allianz General Insurance about your health insurance claim

   Hospital Visit and Verification

   Visit a network hospital for cashless treatment. The hospital will verify your details and send a pre-authorisation form to Bajaj Allianz's Health Administration Team (HAT).

   Pre-authorisation and Approval Process

   Bajaj Allianz HAT verifies the details of the pre-authorisation request against your policy benefits and usually intimates their decision within one working day. If approved, your cashless claim is processed, and Bajaj Allianz settles your treatment costs directly with the hospital.

   Query or Denial

   If there's a query, Bajaj Allianz sends a request for additional information to the hospital. In cases where the claim is denied, you will be informed, but you can still opt for reimbursement later.

2. Bajaj Allianz Health Insurance Reimbursement Claim Process:

   The steps to initiate a reimbursement claim with Bajaj Allianz General Insurance are described below:

   Documentation Collection

   After receiving treatment (at any hospital of your choice and making the payment), collect all hospitalisation-related documents.

   Document Submission

   Submit these documents in original to Bajaj Allianz Health Administration Team (HAT).

   Document Verification and Queries

   Bajaj Allianz carries out a standard verification of the documents. They will intimate you if more information is needed, allowing sufficient time to provide the required details.

   Claim Approval and Payment

   Upon receiving all necessary documents, Bajaj Allianz initiates the claim settlement process. Payments are usually made via ECS within 10 working days, subject to terms and conditions.

   Reminders and Claim Closure

   If you fail to provide pending paperwork, Bajaj Allianz sends up to three reminders, each 10 days apart. If the documents are not submitted within 30 days from the date of the first intimation, the claim may be closed with a corresponding notification sent to you.

Documents Required to File a Bajaj Allianz Health Insurance Claim

For the purpose of filing a reimbursement claim, policyholders of Bajaj Allianz are required to furnish the following essential documents:

• Claim form duly filled and signed by the insured
• Original Discharge summary document
• Original hospital bill with detailed cost break-up
• Original paid receipts
• All Lab and test reports
• Copy of Invoice/Stickers/barcode in case of implants
• First consultation letter from doctor
• KYC form
• Completely filled and signed NEFT form by Policy Holder/proposer

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