Bajaj Allianz Unveils Region-Specific Health Insurance Plans Across Indian States

Pune (Maharashtra) [India], June 19: Bajaj Allianz General Insurance, one of India’s foremost private insurers, has launched a groundbreaking healthcare initiative — the ‘State-wise Health Insurance Policy’, a first-of-its-kind product meticulously crafted to cater to the unique healthcare requirements of each Indian state.

Unlike generic health insurance offerings, this innovative policy underscores the company’s commitment to making healthcare truly accessible and relevant. Acknowledging the vast disparities in medical infrastructure, treatment availability, and healthcare costs across different regions, Bajaj Allianz has designed customised policies that align with the specific needs and conditions of each state. These plans are informed by local healthcare landscapes, common medical concerns, and affordability benchmarks, ensuring coverage that is both contextual and comprehensive.

Affordability and inclusivity lie at the heart of this policy. Available in both individual and floater formats, the State-wise Health Insurance Policy offers flexible sum insured options ranging from INR 5 lakh to INR 20 lakh. This allows people from all walks of life—from young adults to elderly citizens—to select plans that fit their health priorities and financial capacity.

The policy provides robust coverage, including inpatient hospitalisation, day care procedures, and both pre- and post-hospitalisation expenses. It also extends protection to cutting-edge medical interventions such as robotic surgeries and stem cell treatments. Notably, organ donor expenses are included in the base policy, easing the financial burden in times of critical need. With a lifetime renewal feature and no upper age limit, the policy ensures uninterrupted healthcare coverage throughout one’s life.

By addressing regional nuances and healthcare disparities, Bajaj Allianz’s State-wise Health Insurance Policy marks a significant leap towards personalised, equitable, and effective healthcare coverage for every Indian.

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. That’s not it; the Super Cumulative Bonus rewards customers with up to 200% sum insured for claim-free years, enhancing coverage year after year.

For those opting for cashless claims, the Cashless Discount reduces premiums, making the policy even more cost-effective. Additionally, the Accidental Death Cover provides financial security to families in the unfortunate event of a policyholder’s accidental demise. Together, these features make the state-wise health insurance policy a comprehensive and customisable solution designed to meet the distinct healthcare needs of citizens across India. These customised product offerings have been rolled out across 25 states and 5 Union Territories, each designed to address the specific healthcare needs of its region. To truly resonate with people across regions, each policy carries a unique name inspired by the local language and cultural context of the state it represents. For example, in states where Hindi is the predominant language, the product is being called “AapKe Liye”.

Speaking on the launch, Dr. Tapan Singhel, MD & CEO, Bajaj Allianz General Insurance, said, “India’s diversity is its greatest strength, and healthcare needs are no exception. With these state-wise health insurance policies—Insurance made for you—we are redefining health insurance by tailoring it to each state’s unique medical ecosystem. 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. This product also includes an innovative feature called the Festive Bonus. In the event of emergency hospitalisation due to acute illness or accidental injury during a festival week in a policyholder’s state, policyholders receive an additional INR 1,000 per day of hospitalisation, up to 10 days in a policy year.

Customers can easily purchase these state-wise policies through Bajaj Allianz General Insurance’s extensive network of branches, partner banks, agents, and digital platforms. It is also available online at https://www.bajajallianz.com/health-insurance-plans/aapke-liye.html or www.bajajallianz.com and via the Bajaj Allianz ‘Caringly Yours’ mobile app. With the launch of this initiative, Bajaj Allianz is setting a new benchmark in health insurance by making coverage more personal, relevant, and beneficial for every region. By focusing on affordability, state-specific pricing, and comprehensive protection, Bajaj Allianz ensures that everyone in the country can secure the best healthcare coverage without financial strain.

About Bajaj Allianz General Insurance

Bajaj Allianz General Insurance stands as India’s premier private general insurance company. It is a collaborative effort between Bajaj Finserv Limited, India’s most diversified non-bank financial institution, and Allianz SE, the world’s leading insurer and largest asset manager. Bajaj Allianz General Insurance provides a wide range of general insurance products, including motor insurance, home insurance, and health insurance, along with distinctive insurance offerings like coverage for pet insurance, weddings, events, cybersecurity, and the film industry. The company commenced its operations in 2001 and has consistently expanded its reach to be in close proximity to its customers. Presently, it maintains a presence in nearly 1,500 towns and cities across India. Notably, Bajaj Allianz General Insurance holds the issuer rating of [ICRA]AAA from ICRA Limited, signifying the highest level of assurance regarding the punctual fulfilment of financial commitments. https://www.bajajallianz.com/health-insurance-plans/aapke-liye.html

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