In a time when healthcare costs are soaring, Indian families face a dilemma: they need reliable health coverage, but many comprehensive policies are likely to pose a financial burden. AapKe Liye Health Insurance, from Bajaj Allianz General Insurance Company, addresses this gap with affordable premiums and full family coverage, without compromising quality. Its thoughtful pricing, broad benefits, and long-term support make it a powerful solution for India’s diverse population.
Revolutionary Regional Premium Fairness
At the core of AapKe Liye Health Insurance is a unique regional pricing model. Instead of a flat nationwide premium, this plan adjusts rates based on actual medical costs and infrastructure in 25 different zones—from Punjab and Kerala to Bihar, Telangana, and the North East.
This approach ensures fairness: families in low-cost regions like Bhopal aren’t subsidising treatment in major cities like Bengaluru. Premiums reflect local realities, not averages. This makes high-quality coverage more accessible without cutting benefits, helping households across income levels afford better care.
Comprehensive Family Floater Benefits
AapKe Liye Health Insurance offers a powerful family floater option, where the entire family shares one sum insured. This is ideal for families with varied medical needs—whether a child falls ill or a senior needs surgery, the shared pool ensures coverage without the cost of individual plans.
With sum insured options from ₹5 lakh to ₹20 lakh, families can choose protection that matches their budget and future needs. As families grow, the plan remains flexible, ensuring coverage evolves without premium spikes.
Value-Enhanced Coverage Features
Affordability in AapKe Liye Health Insurance doesn’t mean reduced coverage. The plan includes:
- 30 days pre and 60 days post-hospitalisation
- Daycare procedures
- Modern treatments like robotic surgery and stem cell therapy
- AYUSH hospitalisation coverage
- Organ donor expenses, road ambulance, and domiciliary hospitalisation
These features are often paid add-ons in other plans, but here they’re standard, providing genuine value for families seeking complete protection.
Innovative Wellness Rewards for Premium Reduction
Healthy families can save more with AapKe Liye Health Insurance. Its Walk to Win programme offers renewal discounts for achieving step goals, promoting active lifestyles while reducing future premiums.
The cumulative bonus increases the sum insured by 10% each claim-free year (up to 100%). An optional super bonus can raise this to 200%, effectively doubling coverage without extra costs, rewarding preventive care and low claim years.
Lifetime Commitment to Affordable Protection
Unlike many plans that become costlier or harder to renew with age, AapKe Liye Health Insurance offers lifetime renewability with no age restrictions. Families can count on consistent, affordable premiums well into their senior years, even as medical needs grow.
This long-term affordability ensures that health security remains intact across life stages, without fear of rising costs or policy exits.
Cultural Value Addition at No Extra Cost
Recognising India’s festival-related health risks, AapKe Liye Health Insurance includes ₹1,000 per day festival coverage during periods like Diwali, Holi, or Eid. This feature adds relevant protection—without any extra premium—demonstrating the plan’s cultural intelligence.
Trust and Affordability Combined
Backed by the name Bajaj Allianz General Insurance Company, AapKe Liye Health Insurance comes with the trust of a major insurer, access to a large network of hospitals, and seamless claims support.
An optional cashless-only add-on offers a 5% premium discount, rewarding those who opt for easy, cashless hospital experiences.
For Indian families seeking comprehensive yet affordable coverage, AapKe Liye Health Insurance stands out. Through fair regional pricing, family-first benefits, built-in value features, wellness-linked rewards, and lifetime affordability, it redefines what accessible health insurance can be.