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CSR is the percentage of claims an insurer pays out of total claims received. Higher CSR (>95%) means the insurer is reliable. We track this data for every insurer.
Minimum ₹10L for individuals, ₹25L+ for families in metros. Medical inflation runs at 14% annually — what costs ₹5L today will cost ₹20L in 10 years.
Most health insurance plans have a 2-4 year waiting period for pre-existing conditions. Some plans offer lower waiting periods at higher premiums.
Bajaj Allianz
Mid-tier travel cover with trip cancellation, lost baggage, and medical evacuation built in. Cheapest in the ₹50K+ medical bracket.
Cover Amount
₹1 Crore
Premium
₹500/month
Claim Ratio
98%
Type
Life
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Yes. Health insurance premiums qualify for deduction under Section 80D — up to ₹25,000 for self (₹50,000 for senior citizens), plus ₹25,000-₹50,000 for parents.
Yes, health insurance is portable from the 2nd year. Your waiting periods carry over to the new insurer. File portability request 45 days before renewal.
Typically: hospital bills, discharge summary, doctor prescriptions, policy copy, ID proof. Cashless claims need pre-authorization from the TPA/insurer.
Travel Elite by Bajaj Allianz offers ₹1 Crore coverage with a 98% claim settlement ratio. Reliable protection for you and your family.
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Age Requirement
18 - 65 years
Required Documents:
Important
Insurance is subject to terms and conditions. Please read the policy document carefully before buying.