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Bajaj Allianz General Insurance

Bajaj Allianz General Insurance

There is so much choice in Insurance. Getting the best deal is far more easier now, thanks to comparison options available online.

About Bajaj Allianz General Insurance

The first name that comes to mind when one thinks of General Insurance is Bajaj Allianz General Insurance Co. Ltd.

To give a brief introduction, Bajaj Auto’s financial arm Bajaj Finserve soldered bonds of a joint venture with Allianz, SE to form Bajaj Allianz.

On 2nd May 2001, it received the Insurance Regulatory and Development Authority (IRDA) certificate of Registration, and since then it has never looked back.

It has won a lot of accolades on its path to success, one of them being the prestigious iAAA rating awarded by ICRA, which it has sustained for ten years now. In simple words, it has the highest turnover in terms of claims settlements.

Other rewards for being a market leader are Aon Best Employers 2016 award, Outlook Money Awards 2015 for making world-class and cutting-edge products and services and second-to-none claims handling processes, and many more.

Bajaj Insurance nurtures the philosophies of the customer first always, trust, the spirit of adventure, shared ownership, and high standards as a part of its core values.

Bajaj Insurance is keeping up its vision of being the prime choice for insurance to over 72 lakh Indians and keeping a number one position in terms of shareholder value.

With its base in Pune, this giant has 200 establishments across the country with more than 2500 employees working in tandem. It has also created digital avenues which now brings their establishments to 411.

The company has an esteemed portfolio of offerings for the car, two-wheeler, travel, health, home, and commercial insurances.

The Company’s Numbers Game

Bajaj Allianz has carved a niche for itself in the market and is a company to aspire to, globally. It is one of the most profitable insurance companies with a profit after tax poised at Rupees 564 Crores.

Being such an established company, it prides in being called Best General Insurance Company. If numbers speak for themselves, a snippet of the financial returns are proof enough to show that the company is a refuge for customers in need of a sound General Insurance policy.

(Records as of 2015-16)

Product or Insurance plans details

Details Corresponding Percentage and Figures
Combined Ratio of General Insurance 99.3%
Claim Settlement ratio 72.3%
Policies Issued 83 lakh
Claims Settled 7.8 lakh

Product Milestones

Bajaj Allianz has the upper hand from those in the entire General Insurance gamut.

A big credit in this sense goes to its drive to go digital where a prospect can go through their site, select a preferred policy and apply for it.

To replenish an old policy is also easy. One has to just log in to the Bajaj Allianz general insurance login section and fill in the details, and the policy becomes active almost instantly.

Customers flock to get themselves insured with the company due to the following reasons:

  • Hassle free claim settlements
  • Online policy Bajaj Allianz general insurance renewal
  • Diverse products to choose from
  • Dedicated Bajaj Allianz general insurance customer care for query and claim aid
  • Complete online systems to avail insurance anytime anywhere
  • Policy trackers for on-the-go insurers
  • A financially rock-solid company with a progressive path since its start

Product Offerings

Bajaj Allianz realizes that each customer has a different set of needs when it comes to insurance. Being one of the biggest names in the General Insurance business, it has an array of offerings.

Vehicle Insurance

For most consumers, their automobiles are their pride and joy. However, during the daily commute, individuals are always in a hurry to get somewhere, and a scratch or dent that occurs in the process can burn a hole in the pocket if not insured, not to mention personal injuries.

For this reason, taking care of one’s own life and the vehicle is of utmost importance. A carefully researched motor insurance plan is crucial.

The company has devised the following products for the owners of private cars.

  • Car Insurance
  • DriveSmart Car Insurance
  • Two-Wheeler Insurance
  • Long Term Two-Wheeler Insurance
  • Commercial Vehicle Insurance
  • Liability Only - Motor Insurance Policy

Commuting insurance

Suppose you are out traveling and you fall ill. In such a situation, availing medical facilities locally will cost a bomb.

Travelling can involve a lot of hassles right from missing baggage to catching a flu. Hence, when you think of travelling abroad, the first thing that you need apart from your tickets and passport is a travel insurance. Yes, you can’t leave home without a travel insurance.

A good travel insurance policy saves you from a lot of miserable situations. In travel policies, consumers look for more benefits at cost-effective prices.

Keeping this in mind, the company offers:

  • Individual Travel Insurance
  • Family Travel Insurance
  • Student Travel Insurance
  • Senior Citizen Travel Insurance
  • More Travel Plans
  • Corporate Travel
  • Travel Asia
  • Swades Yatra

Well-being insurance plans

We always want the best care for ourselves and our loved ones. But medical care in a good hospital can be an expensive affair.

Many insurance advisors misguide unsuspecting prospects by magnifying their medical coverage and hiding critical information from the insurers. Hence, many patients are left hapless in their time of need.

Bajaj Allianz health insurance policies are easy to issue, and their cashless claim settlement processes are effortless for patients and their guardians to avail.

The key policies in this blend are:

  • Health Guard Individual Policy
  • Health Ensure
  • Extra Care
  • Health Guard Family Floater Option
  • Women Critical Illness
  • Tax Gain
  • Critical Illness
  • Star Package
  • Personal Accident
  • Health Insurance
  • Hospital Cash
  • Silver Health

Living space insurance

A lot goes into making a house a home. We think of each space and design it the way we want to keep it for years to come. Hence, all people are attached in an innate sense to their living space.

When something is given so much love and care, it is also important to ensure that such treasure should not be harmed at any cost, if left unattended.

Bajaj Allianz insures your home from naturally occurring damages, theft, fire, and a lot more.

The offerings from the company in this section are:

  • My Home Insurance
  • Householder Insurance

Other commercial insurances

In a globalized world, businesses need sound policies; right from the start to ensure that their progress is not marred by calamities that occur during daily proceedings.

Bajaj Allianz recognizes this need and has taken the responsibility to cover commercial business as well. It caters to all companies who recognize the need to insure their possessions.

Its commercial insurance provides high value to business minded individuals without them having to take care of the risks involved.

The offerings in this category are:

  • Commercial Property Insurance
  • Marine Insurance
  • Liability Insurance
  • Financial Lines Insurance
  • Engineering Insurance
  • Energy Insurance
  • Employee Benefits Insurance
  • International Insurance

Plan Detail

Bajaj Allianz designs carefully thought of plans for each section of its target audience. It has customized policies for each individual in every category.

Let us now analyze four products from the Motor insurance category and have a look at its features.

Product or Insurance plans details

Plan Name Details
Car Insurance
  • Provides Drive Smart feature that includes unique vehicle tracking facility
  • Car insurance renewal is done in minutes using online facilities
  • Cashless facility due to tie-ups with 4000 garages for assistance in cases of breakdowns and 75% repayment on chances of uniaxiality
  • 24x7 customer support in the advent of an emergency.
  • Accident cover of untoward collision incidents
DriveSmart Car Insurance
  • Round-the-clock spot assistance if the vehicle has broken down in an inaccessible spot
  • Key and Lock Replacement facility for lost keys
  • Depreciation Shield provided to a car for specific parts that undergo wear and tear with time
  • Engine Protection covers risks that accompany engine damage.
  • Replenishable expenses for consumables such as oils, coolants, etc.
Two Wheeler Insurance and Bike Insurance
  • Availability of online renewals
  • 50% of unclaimed bonus from any other insurance company can be added to the Bajaj Allianz Insurance policy
  • Problem-free inspection process for quick policy filing
Long Term Two-Wheeler Insurance
  • 3-year insurance validity
  • Add-on bonuses at the time of renewals
  • Provision of equal refund even after claim during the policy period

It doesn't get better than this. Having a strong service record and the fastest claim disbursement policy are unique abilities that Bajaj Allianz possess, and that is what makes it a market leader.

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