INDIA'S FIRST HEALTH INSURANCE

TAILORED FOR EVERY STATE

YOUR NAGALAND,
YOUR INSURANCE

Nagaland
Opuni
Bajaj Allianz General
Karoni Insurance – Always
for You
Introduction
Comprehensive Coverage for a Worry-Free Tomorrow
Why Choose Opuni Karoni?
Picture this: a health insurance plan that feels like it was made just for you. One that’s got your
back during a rainy-day fever in Kerala, cheers you on for those morning walks in Punjab, and
even steps up with extra care during your favourite festival in Karnataka. That’s Opuni
It is designed for you (Opuni Karoni) in such a way that ensures the policy
Karoni—Bajaj Allianz’s commitment to reach every individual and family across India.
reaches even the last person in a region.
Meaning "For You," this isn’t just a policy; it’s a promise to blend rock-solid coverage with a
sprinkle of local magic, tailored to 25 unique regions. From the hustle of Uttar Pradesh to the
calm of Himachal, we’re here to make sure you’re protected, celebrated, and Accessibility and Fairness: Premium rates are adjusted based on
empowered—because your health isn’t just a priority, it’s personal. Fair and region-specific
regional healthcare costs, ensuring equitable pricing that reflects local
pricing, festival-ready coverage, and rewards for your healthy habits make it a plan that’s as
unique as your fingerprint. Ready to see how it is made Opuni Karoni? Let’s get started! economic conditions. This makes the policy accessible to a broader
audience.

Cultural Relevance: With festival-specific coverage, the policy offers

enhanced protection during significant cultural events—whether unique to
a region or celebrated nationwide—aligning seamlessly with policyholders’
lifestyles.

Inclusive Underwriting: Underwriting relaxations to make health

insurance accessible and inclusive for individuals with lifestyle conditions.

Claims: Specially designed regional materials for claims communications,

incorporating local branding to ensure ease of understanding
What are the Sum 5 lakhs/7.5 Lakhs/10 Lakhs/15 Lakhs/20 Lakhs
Insured options
available under the
policy?

What Will we pay for

What type of plans are Individual and Floater Policy
available? In patient Hospitalisation Treatment Sum Insured
Stay Covered, Stay Confident

Age Eligibility Day 0 to Unlimited Experience peace of mind with our comprehensive in-patient hospitalization cover.
Whether it's a planned surgery or an unexpected illness, we've got you covered. Focus
on your recovery while we handle the rest.
What is the Policy Period? Policy can be taken for 1 year, 2 years or 3 years
Room Rent
Hassle-Free and Comfortable Stays
What is premium paying Annually / Half yearly/ Quarterly or Monthly
term? Choose comfort without worrying about costs. Our room rent covers a Standard
Airconditioned Room ensuring you get the best care in a comfortable setting.

Waiting periods Pre-Existing Disease Waiting Period: ICU

36 months Critical Care, Covered

Specific Disease/Procedure Waiting Period: In critical times, every second counts. Our ICU cover ensures you receive the highest
24 months level of care without the financial burden. Focus on getting better, we've got the rest
Pre Hospitalisation Medical Expense AYUSH Hospitalization Cover
Prepared for the Unexpected Ancient Wisdom, Modern Care

Health issues often come with warning signs. Our pre-hospitalization cover takes care Embrace holistic healing with our Ayush cover. From Ayurveda to Homeopathy, we
of the medical expenses for 30 days leading up to your hospital stay, ensuring you're support traditional treatments that complement modern medicine for a balanced
prepared for the unexpected. approach to health

Post-Hospitalisation Medical Expense Road Ambulance

Support Beyond the Hospital Swift Response, Safe Transport

Recovery doesn't end at discharge. Our post-hospitalization cover supports your In emergencies, every second counts. Our emergency ambulance cover ensures you
journey back to health, covering follow-up treatments and consultations up to 60 days get swift and safe transport to the nearest medical facility
after discharge.
Domiciliary Hospitalization
Day Care Treatment No place like Home
Advanced Care, Short Stays
Sometimes, home is the best place to heal. Our domiciliary hospitalization cover
Treatments often don't need long hospital stays. Our day care cover ensures you're ensures you receive the necessary medical care in the comfort of your home
protected for advanced procedures that get you back on your feet quickly.
Modern Treatment Methods and Advancement in Technologies
Organ donor expenses Health on the cutting-edge
Gift of Life
Stay ahead with our modern treatment cover. From robotic surgeries to stem cell
Organ transplants can be life-saving. Our organ donor cover supports the costs therapy, we ensure you have access to the latest medical advancements
involved, ensuring you or your loved ones get a second chance at life
 Optional Covers
Cumulative Bonus
Your Health, Our Reward Sum Insured Reinstatement
Coverage That Bounces Back!
Stay healthy, go claim-free, and watch your sum insured soar by 10% each year, up to
100%. It’s extra protection that costs you nothing!
With our Sum Insured Reinstatement, your inpatient hospitalization coverage gets a
fresh start if exhausted.
Walk To Win Choose one-time or unlimited reinstatements each policy year for tailored, continuous
Step up your health protection.

Love a win-win situation? Lace up those sneakers! Hit 7,500 steps a day for 24 days a
month (9 months a year) and score a 5% discount at renewal. Feeling extra peppy? Procedure-wise/Disease-wise Sublimit
Bump it to 10,000 steps for a 10% discount. Your morning walks just turned into a Limitless Health
money-saving superpower!
Cap your costs and score a 15% discount if you're under 35, or 20% off for those 35+,
Festive Protect because your health deserves the best!

Festive cheer, covered here

Imagine getting sick just before the celebrations commence. With our Festive Protect,
an emergency hospital stay during your state’s big festival week gets you an extra INR Super Cumulative Bonus
1,000 per day (up to 10 days). So, while you’re recovering, we’re adding a little festive Healthy Choices, Healthier Coverage
cheer to your wallet!
Unlike standard policies that remain static, our Super Cumulative Bonus feature
transforms your health insurance into a growing asset. Choose from flexible growth
options that match your health goals:

Option 1: 25% of Sum Insured every year up to 100% of SI

Option 2: 25% of Sum Insured every year up to 200% of SI
Option 3: 50% of Sum Insured every year up to 100% of SI
 No Claim Discount
The Smart Switch: Premium Relief When You Need It

We understand everyone's financial needs differ. Our No Claim Discount trades in your Discounts
accumulated bonus (Cumulative Bonus/Super Cumulative Bonus) with an immediate
1.5% discount on your next premium payment—because we believe staying healthy
should benefit your wallet today, not just tomorrow

Cashless Discount Loyalty Discount:

Cashless Convenience, Premium Savings! If you have an ongoing BAGIC policy (Motor, Health, Home, Cyber, or Pet
Insurance) with a minimum premium of INR 2500, you get an extra 5%
Enjoy a 5% discount on your premium by choosing cashless claims at our network Loyalty Discount!
hospitals—no upfront payments, just seamless care.
Opt for reimbursement instead? A 20% co-pay applies, except for
pre/post-hospitalization expenses and procedures with sublimits.

Family Discount:
Accidental Death Cover
A Promise of Protection Get a 10% discount for insuring two family members or 15% for
three or more under one policy, applicable to new and renewal
When the unthinkable happens, we stand by your family. Our Accidental Death Cover policies (excludes Floater Policies).
provides financial protection for your loved ones, ensuring they're cared for even when
you can't be there

Health Prime Rider OPD Employee Discount:

Your Complete Health Companion Score a 20% discount on premium rates! Employees of Bajaj Allianz,
group companies, corporate clients, and intermediaries can enjoy this
Discover the Health Prime Rider—your ultimate outpatient care companion! Enjoy exclusive offer for policies booked directly. Intermediaries, you’re covered
instant teleconsultations, hassle-free in-clinic doctor visits, and coverage for essential too—just ensure you’re included in the policy.
diagnostic tests. Stay proactive with annual health check-ups, all designed to keep
you thriving every day.
 Voluntary Aggregate Deductible Discount:
Online/Direct Business Discount: Slash Your Premium with a Voluntary Aggregate Deductible! Choose a deductible
Go digital and save 5% on policies purchased through direct or online amount (₹10,000 to ₹3,00,000) when you sign up, and unlock discounts on
channels. (Not combinable with Employee Discount.) your policy premium, based on your Sum Insured (₹5,00,000 to ₹20,00,000).
Check the table in the policy wordings for your savings!

Long Term Policy Discount: Walk to Win

Commit to longer coverage with a single payment and save: Wellness pays off! Earn 5% off your renewal premium by hitting 7,500
- 4% off for a 2-year policy steps a day for 24 days a month (9 months a year) and 10% by walking
- 8% off for a 3-year policy 10,000 steps.

Voluntary Co-pay Discount:

Save More with Voluntary Co-pay! Choose a 5%, 10%, 15%, or 20% co-payment
when you sign up, and enjoy the same percentage off your policy premium. If
you file an in-patient hospitalization claim, you’ll cover the chosen co-pay
percentage, and we’ll handle the rest, up to your Sum Insured.
 Rate Chart Rate Chart

1A 1A+2C
Rates for Opuni Karoni- Nagaland (Ex GST) Rates for Opuni Karoni- Nagaland (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 3,390 3,561 4,129 4,575 4,733 Upto 20 Yrs 7,119 7,478 8,671 9,608 9,939
21-25 Yrs 4,455 4,681 5,429 6,017 6,225 21-25 Yrs 7,865 8,262 9,581 10,617 10,984
26-30 Yrs 5,039 5,294 6,141 6,807 7,042 26-30 Yrs 8,274 8,691 10,079 11,171 11,556
31-35 Yrs 5,177 5,440 6,308 6,993 7,234 31-35 Yrs 8,370 8,793 10,196 11,301 11,691
36-40 Yrs 6,244 6,560 7,609 8,436 8,728 36-40 Yrs 9,117 9,577 11,107 12,311 12,736
41-45 Yrs 7,451 7,828 9,080 10,066 10,414 41-45 Yrs 10,431 10,960 12,712 14,093 14,580
46-50 Yrs 10,860 11,411 13,239 14,679 15,187 46-50 Yrs 15,203 15,975 18,535 20,551 21,262
51-55 Yrs 14,374 15,105 17,524 19,431 20,104 51-55 Yrs 20,124 21,147 24,534 27,204 28,145
56-60 Yrs 19,463 20,454 23,733 26,316 27,228 56-60 Yrs 27,248 28,635 33,226 36,843 38,119
61-65 Yrs 26,432 27,776 32,229 35,738 36,976 61-65 Yrs 34,685 36,447 42,286 46,885 48,507
66-70 Yrs 35,278 37,073 43,021 47,706 49,360 66-70 Yrs 43,089 45,279 52,538 58,255 60,272
71-75 Yrs 39,804 41,831 48,543 53,832 55,697 71-75 Yrs 47,389 49,799 57,784 64,074 66,293
above 75 Yrs 41,944 44,080 51,154 56,728 58,694 above 75 Yrs 49,422 51,935 60,264 66,825 69,140

1A+1C 1A+3C
Rates for Opuni Karoni- Nagaland (Ex GST) Rates for Opuni Karoni- Nagaland (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 4,747 4,985 5,780 6,405 6,626 Upto 20 Yrs 8,815 9,259 10,735 11,896 12,306
21-25 Yrs 5,492 5,769 6,690 7,414 7,670 21-25 Yrs 9,507 9,986 11,580 12,832 13,276
26-30 Yrs 6,047 6,353 7,369 8,169 8,451 26-30 Yrs 9,887 10,385 12,043 13,347 13,807
31-35 Yrs 6,212 6,527 7,570 8,392 8,681 31-35 Yrs 9,976 10,479 12,151 13,467 13,932
36-40 Yrs 7,492 7,872 9,131 10,124 10,473 36-40 Yrs 10,670 11,208 12,997 14,405 14,903
41-45 Yrs 8,942 9,394 10,896 12,080 12,497 41-45 Yrs 11,922 12,525 14,528 16,106 16,663
46-50 Yrs 13,032 13,694 15,887 17,615 18,225 46-50 Yrs 17,375 18,258 21,183 23,487 24,299
51-55 Yrs 17,249 18,126 21,029 23,318 24,124 51-55 Yrs 22,999 24,168 28,039 31,090 32,166
56-60 Yrs 23,277 24,461 28,380 31,468 32,557 56-60 Yrs 31,141 32,726 37,972 42,106 43,565
61-65 Yrs 29,898 31,417 36,452 40,418 41,817 61-65 Yrs 39,472 41,477 48,120 53,352 55,198
66-70 Yrs 38,301 40,249 46,704 51,788 53,582 66-70 Yrs 47,876 50,309 58,372 64,722 66,962
71-75 Yrs 42,601 44,769 51,950 57,607 59,602 71-75 Yrs 52,176 54,828 63,618 70,541 72,983
above 75 Yrs 44,635 46,906 54,430 60,358 62,450 above 75 Yrs 54,209 56,965 66,098 73,292 75,830

CIN: U66010PN2000PLC015329, UIN: Opuni Karoni- Nagaland - BAJHLIP26062V012526 CIN: U66010PN2000PLC015329, UIN: Opuni Karoni- Nagaland - BAJHLIP26062V012526
 Rate Chart Rate Chart

1A+4C 2A+1C
Rates for Opuni Karoni- Nagaland (Ex GST) Rates for Opuni Karoni- Nagaland (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 11,019 11,573 13,419 14,869 15,383 Upto 20 Yrs 7,119 7,478 8,671 9,608 9,939
21-25 Yrs 11,711 12,301 14,264 15,807 16,353 21-25 Yrs 8,610 9,046 10,490 11,626 12,028
26-30 Yrs 12,090 12,700 14,727 16,320 16,884 26-30 Yrs 9,428 9,905 11,488 12,733 13,172
31-35 Yrs 12,179 12,794 14,835 16,441 17,009 31-35 Yrs 9,621 10,108 11,721 12,993 13,442
36-40 Yrs 12,873 13,522 15,681 17,379 17,979 36-40 Yrs 11,114 11,677 13,543 15,013 15,532
41-45 Yrs 13,658 14,347 16,637 18,439 19,075 41-45 Yrs 12,805 13,452 15,603 17,296 17,893
46-50 Yrs 19,547 20,540 23,830 26,423 27,337 46-50 Yrs 17,576 18,468 21,425 23,754 24,575
51-55 Yrs 25,874 27,189 31,543 34,976 36,187 51-55 Yrs 23,652 24,853 28,833 31,969 33,075
56-60 Yrs 35,033 36,816 42,719 47,369 49,010 56-60 Yrs 31,141 32,726 37,972 42,106 43,565
61-65 Yrs 44,259 46,506 53,954 59,819 61,888 61-65 Yrs 42,291 44,442 51,566 57,181 59,161
66-70 Yrs 52,663 55,338 64,206 71,189 73,653 66-70 Yrs 56,445 59,317 68,833 76,330 78,975
71-75 Yrs 56,963 59,858 69,452 77,008 79,673 71-75 Yrs 63,687 66,929 77,668 86,131 89,115
above 75 Yrs 58,996 61,995 71,932 79,759 82,521 above 75 Yrs 67,111 70,528 81,846 90,764 93,911

2A 2A+2C
Rates for Opuni Karoni- Nagaland (Ex GST) Rates for Opuni Karoni- Nagaland (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 4,747 4,985 5,780 6,405 6,626 Upto 20 Yrs 8,815 9,259 10,735 11,896 12,306
21-25 Yrs 6,237 6,553 7,600 8,423 8,715 21-25 Yrs 10,199 10,714 12,425 13,770 14,246
26-30 Yrs 7,055 7,412 8,597 9,530 9,859 26-30 Yrs 10,959 11,512 13,351 14,797 15,308
31-35 Yrs 7,247 7,615 8,831 9,791 10,128 31-35 Yrs 11,137 11,701 13,568 15,039 15,558
36-40 Yrs 8,741 9,184 10,653 11,811 12,219 36-40 Yrs 12,524 13,157 15,259 16,915 17,499
41-45 Yrs 10,431 10,960 12,712 14,093 14,580 41-45 Yrs 14,094 14,806 17,171 19,034 19,692
46-50 Yrs 15,203 15,975 18,535 20,551 21,262 46-50 Yrs 19,547 20,540 23,830 26,423 27,337
51-55 Yrs 20,124 21,147 24,534 27,204 28,145 51-55 Yrs 25,874 27,189 31,543 34,976 36,187
56-60 Yrs 27,248 28,635 33,226 36,843 38,119 56-60 Yrs 35,033 36,816 42,719 47,369 49,010
61-65 Yrs 37,005 38,887 45,121 50,033 51,766 61-65 Yrs 47,577 49,997 58,012 64,328 66,556
66-70 Yrs 49,389 51,903 60,229 66,789 69,104 66-70 Yrs 63,500 66,732 77,437 85,872 88,847
71-75 Yrs 55,725 58,563 67,960 75,365 77,976 71-75 Yrs 71,647 75,295 87,377 96,897 1,00,254
above 75 Yrs 58,722 61,712 71,615 79,419 82,172 above 75 Yrs 75,500 79,344 92,077 1,02,110 1,05,649

CIN: U66010PN2000PLC015329, UIN: Opuni Karoni- Nagaland - BAJHLIP26062V012526 CIN: U66010PN2000PLC015329, UIN: Opuni Karoni- Nagaland - BAJHLIP26062V012526
 Rate Chart

2A+3C
Rates for Opuni Karoni- Nagaland (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 11,019 11,573 13,419 14,869 15,383
21-25 Yrs 12,402 13,029 15,109 16,743 17,322
26-30 Yrs 13,162 13,827 16,034 17,771 18,385
31-35 Yrs 13,341 14,015 16,252 18,013 18,634
36-40 Yrs 14,728 15,472 17,943 19,889 20,576
41-45 Yrs 16,297 17,121 19,855 22,008 22,768
46-50 Yrs 21,719 22,822 26,479 29,359 30,374
51-55 Yrs 28,749 30,210 35,048 38,863 40,207
56-60 Yrs 38,926 40,907 47,465 52,633 54,456
61-65 Yrs 52,864 55,553 64,458 71,476 73,951
66-70 Yrs 70,556 74,147 86,041 95,413 98,719
71-75 Yrs 79,608 83,662 97,086 1,07,663 1,11,394
above 75 Yrs 83,889 88,160 1,02,308 1,13,455 1,17,388

2A+4C
Rates for Opuni Karoni- Nagaland (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 13,222 13,888 16,102 17,844 18,460
21-25 Yrs 14,606 15,344 17,792 19,717 20,399
26-30 Yrs 15,366 16,141 18,718 20,745 21,461
31-35 Yrs 15,544 16,330 18,936 20,987 21,711
36-40 Yrs 16,931 17,787 20,627 22,863 23,652
41-45 Yrs 18,501 19,436 22,539 24,982 25,845
46-50 Yrs 24,316 25,549 29,636 32,852 33,989
51-55 Yrs 31,624 33,231 38,554 42,749 44,228
56-60 Yrs 42,818 44,998 52,212 57,896 59,902
61-65 Yrs 58,150 61,109 70,904 78,623 81,346
66-70 Yrs 77,612 81,561 94,645 1,04,954 1,08,591
71-75 Yrs 87,569 92,028 1,06,794 1,18,430 1,22,533
Note- A 6% increase on the base rates will apply every year to all policies.
above 75 Yrs 92,278 96,976 1,12,539 1,24,801 1,29,128

CIN: U66010PN2000PLC015329, UIN: Opuni Karoni- Nagaland - BAJHLIP26062V012526

 Bajaj Allianz General Insurance Co. Ltd.
Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006.
IRDAI Reg No.: 113 | CIN: U66010PN2000PLC015329

FOR ANY QUERY (TOLL FREE)

1800-209-0144 /1800-209-5858

www.bajajallianz.com

[email protected]

Note: It is mandatory to keep updated your policy with your correct contact details and bank account details, to process any of your
service requests faster and hassle-free. To update your contact details i.e., Mobile No., Email ID, PAN Card, and Bank Account details,
please use chatbot, visit our website, contact your agent or nearest branch.

Disclaimer: The above mentioned information is only indicative in nature. For details of the coverage and exclusions, please refer to
the Policy Wordings and Prospectus before concluding a sale.

UIN: Opuni Karoni- Nagaland - BAJHLIP26062V012526

BJAZ-O-5141/26-05-2025