In a major step towards making healthcare more accessible and affordable across India, Bajaj Allianz General Insurance has launched a first-of-its-kind initiative—State-Wise Health Insurance Policies. These new insurance plans are tailored to the unique medical needs, healthcare infrastructure, and treatment costs of each Indian state.
The idea is simple: one size does not fit all when it comes to healthcare. Each Indian state has different challenges, from disease patterns to hospital facilities. Bajaj Allianz is addressing this gap by introducing personalized health coverage that truly reflects local realities.
What Makes This Launch Special?
- Localized Coverage: These health plans are available under culturally relevant brand names like Mee Kosam (Telugu states), Apnar Jonyo (West Bengal), and AapKe Liye (Hindi-speaking states).
- Coverage in 25 States and 5 Union Territories: The policies have been designed keeping in mind regional disease trends, hospital networks, and affordability.
- Sum Insured Options: Ranging from INR 5 lakh to INR 20 lakh, these policies suit all, from young professionals to senior citizens.
Key Features of the State-Wise Plans:
- Comprehensive Medical Coverage
- Inpatient hospitalization
- Pre- and post-hospitalisation expenses
- Daycare procedures
- Advanced treatments like robotic surgeries and stem cell therapy
- Organ donor costs are included in the base policy
- Affordability and Flexibility
- Tailor-made premiums based on the state’s healthcare cost index
- Available in both individual and floater (family) plans
- Add-On Benefits
- Unlimited Sum Insured Reinstatement: Restore the full insured amount multiple times during the year
- Super Cumulative Bonus: Earn up to 200% extra sum insured for every claim-free year
- Accidental Death Cover: Financial support in the case of accidental death
- Cashless Discount: Lower premiums if you opt for cashless claims
- Wellness & Lifestyle Benefits
- Up to 10% discount for meeting step count goals
- 7,500 steps/day = 5% discount
- 10,000 steps/day = 10% discount
- Festive Bonus: Additional INR 1,000 per day for hospitalisation during local festival weeks (up to 10 days per year)
- Up to 10% discount for meeting step count goals
- Long-Term Peace of Mind
- Lifetime renewability
- No age limit to renew your plan
- Loyalty rewards and family discounts
AapKe Liye – State-wise Health Insurance
1. J & K -Tuhund Khatir
2. Himachal Pradesh -AapKe Liye
3. Uttarakhand -AapKe Liye
4. Punjab- Tuhade Lai
5. Uttar Pradesh -AapKe Liye
6. Bihar -AapKe Liye
7. Jharkhand -AapKe Liye
8. West Bengal -Apnar Jonyo
9. Tripura- Apnar Jonyo
10. Mizoram- I tan
11. Assam -Aponar Babe
12. Nagaland -Opuni Karoni
13. Manipur -Adomgidamak
14. Sikkim -Tapainko Lagi
15 Arunachal Pradesh -AapKe Liye
16. Meghalaya- Na Ka bynta jong phi
17. Odisha- Apananka Pain
18. Chhattisgarh- AapKe Liye
19. Madhya Pradesh -AapKe Liye
20. Rajasthan -AapKe Liye
21. Kerala -Ningalkkayi
22. Tamil Nadu -Ungalukkaga
23. Karnataka- Nimagagi
24. Telangana -Mee Kosam
25. Andhra Pradesh -Mee Kosam
26. Puducherry -Ungalukkaga
27. Andaman & Nicobar -AapKe Liye
28. Goa- Tujya Khatir
29. Lakshadweep- Ningalkkayi
30. Ladakh- Khyed kyi ched du
How to Buy?
These customized plans can be purchased through:
- Bajaj Allianz branches, agents, and partner banks
- Online at www.bajajallianz.com
- Bajaj Allianz ‘Caringly Yours’ mobile app
Why This Matters
The MD & CEO of Bajaj Allianz General Insurance puts it:
“India’s diversity is its greatest strength, and healthcare needs are no exception. From treatment costs to disease patterns, healthcare challenges vary across regions. Our state-wise policies are an attempt to meet people where they are, with insurance that truly understands them.”
What It Means for Doctors and Healthcare Entrepreneurs
At The Doctorpreneur Academy, we constantly promote innovations that bridge the gap between technology and patient care. This initiative by Bajaj Allianz could transform the way doctors and clinics communicate health insurance offerings to their patients.
If you’re a medical professional or digital health entrepreneur, this is a great time to align with these state-level trends and offer better financial guidance to your patients.
🔹 Call to Action
Want to stay ahead in healthcare innovations and digital health opportunities? Join us at The Doctorpreneur Academy where we decode healthcare trends for growth-minded doctors and entrepreneurs.
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