Pune: Pune based Bajaj Allianz General Insurance, has unveiled a pioneering initiative — the ‘State-wise Health Insurance Policy’, a first-of-its-kind health insurance product thoughtfully tailored to address the distinct healthcare realities of each Indian state.
By factoring in local hospital infrastructure, prevalent health concerns, and affordability levels, state-wise health insurance policy of Bajaj Allianz General Insurance has focused both affordability and accessibility at its core and offers comprehensive coverage with premiums customised to reflect each state’s specific healthcare dynamics.
Available in both individual and floater variants, it serves as an ideal solution for individuals and families alike. With flexible sum insured options ranging from Rs 5 lakh to Rs 20 lakh, the policy ensures that everyone, from young professionals to senior citizens, can find a coverage plan that aligns with their unique healthcare needs and financial priorities.
These health insurance plans offer extensive coverage, including inpatient hospitalisation, pre- and post-hospitalisation expenses, and day care procedures. They also cover advanced treatments such as robotic surgeries and stem cell therapy, ensuring policyholders receive access to modern medical care.
The policy includes organ donor expenses as part of the base cover, alleviating the financial burden associated with life-saving transplants. With a lifetime renewal option, the policy guarantees continuous coverage without age restrictions, providing long-term security for individuals and families.
To further enhance protection, the plan offers a variety of optional add-ons. The Unlimited Sum Insured Reinstatement feature enables policyholders to restore their sum insured an unlimited number of times within a policy period after making a claim, providing additional security and uninterrupted financial support during medical emergencies.
Tapan Singhel, MD & CEO, Bajaj Allianz General Insurance, said, “From treatment costs to disease patterns, healthcare challenges vary across regions, and insurance must evolve to reflect this reality. By offering affordable, feature-rich coverage designed for every Indian, we are making health financial security accessible, relevant, and truly personal. We believe that healthcare security should not be a privilege but a right for every Indian, and this initiative is a step towards making that a reality.”
To make these policies even more accessible, 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. To qualify for a 5% discount, customers need to achieve 7,500 steps daily for at least 24 days each month over a minimum of 9 months. If they raise their daily goal to 10,000 steps, they become eligible for a 10% discount.