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Bajaj Allianz Sankat Mochan

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Bajaj Allianz Sankat Mochan Health Insurance Policy


Bajaj Allianz Sankat Mochan is a policy which covers medical and hospitalisation expenses arising out of accidents. It covers individuals against permanent or temporary disability, death and pays cash and hospitalisation expenses.


With a special focus towards injuries and fatalities being caused due to accidents, Bajaj Allianz Sankat Mochan is a good insurance policy to cover individuals and family members.  The policy offers cover for serious injuries, disability, hospitalisation expenses and even death caused due to accident.



Key Features of Bajaj Allianz Sankat Mochan Policy


  • Offers dual benefit of personal accident policy and accidental hospitalisation cover
  • 125% of Sum insured is compensated in case of permanent total disability
  • No health check-up is required
  • Provides Children’s education bonus benefit
  • Accidents due to terrorism also covered



Type of plans available in Bajaj Allianz Sankat Mochan Health Insurance Plan


There are 16 plans available to cover:


Risk Class 1: Covers individuals engaged in administrative or managing functions like teachers, bankers, accountants, doctors, lawyers, architects, consulting engineer or primarily engaged in a similar occupation


Risk Class 2: Covers individuals engaged in manual labour, mechanic, machine operators, car, truck, lorry or heavy vehicle drivers, cash carrying employee, builders, contractors and supervising engineers, veterinary doctor, or engaged in a similar occupation



What is covered in Bajaj Allianz Sankat Mochan Plan?


  • Permanent total disability, temporary total disability, permanent partiality disability and death
  • In case of temporary total disability, 1% of sum insured is paid every week up to 100 weeks



Additional Benefits of Bajaj Allianz Sankat Mochan Policy


  • Personal accident benefit and accidental hospitalization expenses
  • In house claims done by the company. No intermediary TPA
  • In case of Permanent Total Disability the policy offers a compensation of 125% of the Sum Insured
  • The policy also provides a Children's Education bonus in the event of Death or Permanent Total disability of the Proposer



Eligibility and Restrictions of Bajaj Allianz Sankat Mochan Policy






Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)





Family floater policy will cover


An individual and/or his spouse



Tax Benefits in Bajaj Allianz Sankat Mochan Health Insurance Policy


The policy offers Income Tax Benefit on the premium paid for Accidental Hospitalisation section under Sec 80 D of the Income Tax Act



Exclusions - What is not covered in Bajaj Allianz Sankat Mochan Policy?


  • Accidental bodily injury due to suicide or self-infliction
  • Accidental injury while under influence of drugs or alcohol
  • Accident due to deliberate or intentional criminal act or act done against the law
  • Accidents due to flying or sporting activities
  • War, nuclear energy, radiation
  • Pregnancy or child-birth related
  • HIV or AIDS related

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