Bajaj Allianz Insurance Plans

Bajaj Allianz Tax Gain Plan Insurance

Bajaj Allianz Tax Gain Plan Insurance - Special features

  • This floater policy that covers hospitalisation and OPD expenses.
  • You can opt for a separate plan for senior citizens covering both OPD and hospitalisation expenses.
  • This policy covers pre and post hospitalisation expenses up to 30 days and 60 days respectively.
  • Access to over 6,500+ network hospitals across India for a cashless facility.
  • Cover Ambulance
  • The cost of spectacles, dental procedures, dentures and crutches are covered under this policy.
  • Avail health check-up benefit at the end of every 4 claim-free years.
  • Any person, up to the age of 75 years, can be covered under the Tax Gain policy.
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Bajaj Allianz Insurance Review

Bajaj Allianz Insurance
Bajaj Allianz Insurance sum insured
3 lacs − 50 lacs options available
Incurred Claims Ratio *
Bajaj Allianz Insurance tenure options
For a period of 3 years
Claims Settlement Ratio **
List of network hospitals
6,500+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Bajaj Allianz Tax Gain Plan Insurance review

  • Key Features
  • Benefits
  • Exclusions

Key Features of Tax Gain Plan

  • Ambulance cover - Covers road ambulance expenses in case of an emergency.
  • Pre and post hospitalisation expenses - Covers expenses incurred before and after hospital treatment.
  • Daycare procedures - Covers all expenses incurred under listed daycare procedures.
  • Consumable expenses - Covers cost of consumable expenses such as spectacles, dental procedures, dentures and crutches.

Additional Benefits with your Tax Gain Plan

  • Hassle-free claim settlement
  • This policy offers sum insured options for self, family and senior citizens.
  • Tax Gain Plan offers affordable premium rates to suit your needs.
  • Avail income tax benefit under Section 80D of the Income Tax Act

Bajaj Allianz Tax Gain Plan Insurance exclusions

  • Any medical expenses arising due to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority and claims due to nuclear weapons and/or materials.
  • Circumcision, cosmetic or aesthetic treatments, surgery for change of life/gender.
  • Plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury.
  • Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy.
  • Human Immunodeficiency Virus or variant/mutant viruses and AIDS, venereal disease or any sexually transmitted disease.
  • Hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations.
  • Vaccination or inoculation unless forming a part of a post-bite treatment.
  • Vitamins, tonics, nutritional supplements unless forming part of the treatment.
  • Surgery to correct deviated nasal septum and hypertrophied turbinate.
  • Treatment for any mental illness or psychiatric illness. Benefits will not be available for any pre-existing condition, ailment or injury, until 48 months of continuous coverage have elapsed, after the date of inception of the first Tax Gain policy.
  • Cost of spectacles in the first year of the policy. This cost is payable in the second year of continuous renewal subject to a maximum limit of 25% of the OPD limit.
  • Cost of dentures in the first two years of the policy. This cost is payable in the third year of continuous renewal subject to a maximum limit of 25% of the OPD limit.
  • Cost of hearing aids in the first two years of the policy. This cost is payable in the third year of continuous renewal subject to a maximum limit of 25% of the OPD limit.
  • Any expenses for treatment taken without the doctor advising the same and which is not duly supported by prescriptions.
  • Any expenses for diagnostic tests without the treating doctor's referral.
  • Cost of annual health check-up.
  • Any expenses in excess of the maximum payable under the outpatient medical expenses limit.
  • Pregnancy and childbirth related expenses.


Review Tax Gain Plan Insurance brochure to understand coverage details.

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Policy wordings

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41744345
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022