INDIA'S FIRST

HEALTH INSURANCE
TAILORED FOR
EVERY STATE

YOUR
JAMMU & KASHMIR,
YOUR INSURANCE

Bajaj Allianz

Tuhund Jammu & Kashmir

Khatir Bajaj Allianz General Insurance –
Always for You
Introduction
Comprehensive Coverage for a Worry-Free Tomorrow
Why Choose Tuhund Khatir?
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 Tuhund
It is designed for you (ATuhund Khatir) in such a way that ensures the
Khatir—Bajaj Allianz’s commitment to reach every individual and family across India.
policy 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 Tuhund Khatir? 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 Tuhund Khatir- Jammu & Kashmir (Ex GST) Rates for Tuhund Khatir- Jammu & Kashmir (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 3,376 3,546 4,112 4,557 4,714 Upto 20 Yrs 7,090 7,447 8,635 9,569 9,899
21-25 Yrs 4,437 4,662 5,406 5,992 6,199 21-25 Yrs 7,833 8,228 9,542 10,573 10,939
26-30 Yrs 5,019 5,273 6,116 6,780 7,014 26-30 Yrs 8,240 8,656 10,038 11,125 11,509
31-35 Yrs 5,155 5,417 6,282 6,965 7,205 31-35 Yrs 8,336 8,757 10,154 11,255 11,643
36-40 Yrs 6,218 6,533 7,578 8,402 8,692 36-40 Yrs 9,080 9,538 11,062 12,260 12,684
41-45 Yrs 7,421 7,796 9,043 10,025 10,372 41-45 Yrs 10,389 10,915 12,660 14,036 14,521
46-50 Yrs 10,815 11,365 13,185 14,620 15,125 46-50 Yrs 15,142 15,910 18,459 20,468 21,175
51-55 Yrs 14,316 15,044 17,453 19,352 20,022 51-55 Yrs 20,042 21,061 24,434 27,093 28,031
56-60 Yrs 19,384 20,370 23,636 26,209 27,117 56-60 Yrs 27,137 28,518 33,090 36,693 37,964
61-65 Yrs 26,324 27,663 32,098 35,592 36,825 61-65 Yrs 34,544 36,299 42,113 46,694 48,310
66-70 Yrs 35,134 36,922 42,845 47,512 49,159 66-70 Yrs 42,913 45,095 52,324 58,018 60,027
71-75 Yrs 39,642 41,660 48,345 53,612 55,470 71-75 Yrs 47,195 49,596 57,548 63,813 66,023
above 75 Yrs 41,774 43,900 50,945 56,497 58,455 above 75 Yrs 49,221 51,724 60,019 66,553 68,858

1A+1C 1A+3C
Rates for Tuhund Khatir- Jammu & Kashmir (Ex GST) Rates for Tuhund Khatir- Jammu & Kashmir (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 4,727 4,965 5,757 6,379 6,599 Upto 20 Yrs 8,779 9,221 10,691 11,847 12,256
21-25 Yrs 5,469 5,746 6,663 7,384 7,639 21-25 Yrs 9,468 9,946 11,533 12,780 13,222
26-30 Yrs 6,022 6,327 7,339 8,136 8,416 26-30 Yrs 9,846 10,343 11,994 13,292 13,751
31-35 Yrs 6,187 6,501 7,539 8,358 8,646 31-35 Yrs 9,935 10,437 12,102 13,412 13,876
36-40 Yrs 7,462 7,840 9,094 10,082 10,431 36-40 Yrs 10,626 11,163 12,944 14,347 14,842
41-45 Yrs 8,905 9,356 10,852 12,031 12,446 41-45 Yrs 11,873 12,474 14,469 16,040 16,595
46-50 Yrs 12,978 13,638 15,823 17,544 18,150 46-50 Yrs 17,305 18,184 21,097 23,391 24,200
51-55 Yrs 17,179 18,052 20,944 23,223 24,026 51-55 Yrs 22,905 24,070 27,925 30,964 32,035
56-60 Yrs 23,182 24,361 28,264 31,339 32,424 56-60 Yrs 31,014 32,593 37,818 41,934 43,387
61-65 Yrs 29,776 31,289 36,303 40,253 41,647 61-65 Yrs 39,311 41,308 47,924 53,134 54,973
66-70 Yrs 38,145 40,085 46,513 51,577 53,364 66-70 Yrs 47,681 50,104 58,134 64,458 66,690
71-75 Yrs 42,428 44,587 51,738 57,372 59,360 71-75 Yrs 51,963 54,605 63,358 70,254 72,686
above 75 Yrs 44,453 46,715 54,208 60,112 62,195 above 75 Yrs 53,988 56,733 65,829 72,994 75,521

CIN: U66010PN2000PLC015329, UIN: Tuhund Khatir- Jammu & Kashmir - BAJHLIP26053V012526 CIN: U66010PN2000PLC015329, UIN: Tuhund Khatir- Jammu & Kashmir - BAJHLIP26053V012526
 Rate Chart Rate Chart

1A+4C 2A+1C
Rates for Tuhund Khatir- Jammu & Kashmir (Ex GST) Rates for Tuhund Khatir- Jammu & Kashmir (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 10,974 11,526 13,364 14,809 15,320 Upto 20 Yrs 7,090 7,447 8,635 9,569 9,899
21-25 Yrs 11,663 12,251 14,206 15,742 16,286 21-25 Yrs 8,575 9,009 10,448 11,579 11,979
26-30 Yrs 12,041 12,648 14,667 16,254 16,815 26-30 Yrs 9,390 9,865 11,441 12,681 13,119
31-35 Yrs 12,130 12,742 14,775 16,374 16,939 31-35 Yrs 9,581 10,067 11,674 12,940 13,387
36-40 Yrs 12,821 13,467 15,617 17,308 17,906 36-40 Yrs 11,069 11,630 13,488 14,952 15,469
41-45 Yrs 13,602 14,289 16,569 18,364 18,998 41-45 Yrs 12,753 13,398 15,539 17,225 17,821
46-50 Yrs 19,468 20,456 23,733 26,315 27,225 46-50 Yrs 17,505 18,393 21,338 23,657 24,475
51-55 Yrs 25,769 27,078 31,415 34,834 36,039 51-55 Yrs 23,556 24,752 28,715 31,839 32,940
56-60 Yrs 34,891 36,666 42,545 47,176 48,811 56-60 Yrs 31,014 32,593 37,818 41,934 43,387
61-65 Yrs 44,079 46,317 53,734 59,575 61,636 61-65 Yrs 42,118 44,261 51,356 56,948 58,920
66-70 Yrs 52,449 55,113 63,944 70,899 73,353 66-70 Yrs 56,215 59,076 68,553 76,019 78,654
71-75 Yrs 56,731 59,614 69,169 76,694 79,349 71-75 Yrs 63,427 66,657 77,352 85,780 88,752
above 75 Yrs 58,756 61,742 71,639 79,434 82,184 above 75 Yrs 66,838 70,241 81,513 90,394 93,528

2A 2A+2C
Rates for Tuhund Khatir- Jammu & Kashmir (Ex GST) Rates for Tuhund Khatir- Jammu & Kashmir (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 4,727 4,965 5,757 6,379 6,599 Upto 20 Yrs 8,779 9,221 10,691 11,847 12,256
21-25 Yrs 6,212 6,527 7,569 8,389 8,680 21-25 Yrs 10,157 10,671 12,374 13,713 14,188
26-30 Yrs 7,026 7,382 8,562 9,491 9,819 26-30 Yrs 10,914 11,465 13,297 14,737 15,246
31-35 Yrs 7,218 7,584 8,795 9,751 10,087 31-35 Yrs 11,092 11,653 13,513 14,978 15,494
36-40 Yrs 8,706 9,147 10,609 11,763 12,169 36-40 Yrs 12,473 13,104 15,197 16,846 17,428
41-45 Yrs 10,389 10,915 12,660 14,036 14,521 41-45 Yrs 14,036 14,746 17,101 18,957 19,612
46-50 Yrs 15,142 15,910 18,459 20,468 21,175 46-50 Yrs 19,468 20,456 23,733 26,315 27,225
51-55 Yrs 20,042 21,061 24,434 27,093 28,031 51-55 Yrs 25,769 27,078 31,415 34,834 36,039
56-60 Yrs 27,137 28,518 33,090 36,693 37,964 56-60 Yrs 34,891 36,666 42,545 47,176 48,811
61-65 Yrs 36,854 38,729 44,937 49,829 51,555 61-65 Yrs 47,383 49,794 57,776 64,066 66,285
66-70 Yrs 49,188 51,691 59,984 66,517 68,822 66-70 Yrs 63,242 66,460 77,122 85,522 88,485
71-75 Yrs 55,498 58,325 67,683 75,058 77,658 71-75 Yrs 71,356 74,989 87,021 96,503 99,846
above 75 Yrs 58,483 61,460 71,324 79,095 81,837 above 75 Yrs 75,192 79,021 91,702 1,01,694 1,05,219

CIN: U66010PN2000PLC015329, UIN: Tuhund Khatir- Jammu & Kashmir - BAJHLIP26053V012526 CIN: U66010PN2000PLC015329, UIN: Tuhund Khatir- Jammu & Kashmir - BAJHLIP26053V012526
 Rate Chart

2A+3C
Rates for Tuhund Khatir- Jammu & Kashmir (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 10,974 11,526 13,364 14,809 15,320
21-25 Yrs 12,352 12,976 15,047 16,675 17,251
26-30 Yrs 13,109 13,770 15,969 17,699 18,310
31-35 Yrs 13,286 13,958 16,186 17,940 18,559
36-40 Yrs 14,668 15,409 17,870 19,808 20,492
41-45 Yrs 16,231 17,051 19,774 21,919 22,675
46-50 Yrs 21,631 22,729 26,371 29,239 30,250
51-55 Yrs 28,632 30,087 34,906 38,704 40,044
56-60 Yrs 38,767 40,740 47,272 52,418 54,234
61-65 Yrs 52,648 55,327 64,196 71,184 73,650
66-70 Yrs 70,269 73,845 85,691 95,024 98,317
71-75 Yrs 79,284 83,321 96,690 1,07,225 1,10,940
above 75 Yrs 83,547 87,801 1,01,891 1,12,993 1,16,910

2A+4C
Rates for Tuhund Khatir- Jammu & Kashmir (Ex GST)
Age Band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000
Upto 20 Yrs 13,168 13,831 16,037 17,771 18,384
21-25 Yrs 14,547 15,281 17,720 19,637 20,316
26-30 Yrs 15,303 16,076 18,642 20,661 21,374
31-35 Yrs 15,481 16,264 18,859 20,901 21,622
36-40 Yrs 16,862 17,714 20,543 22,770 23,556
41-45 Yrs 18,426 19,356 22,447 24,880 25,740
46-50 Yrs 24,217 25,445 29,515 32,718 33,850
51-55 Yrs 31,495 33,096 38,396 42,575 44,048
56-60 Yrs 42,644 44,814 51,999 57,660 59,658
61-65 Yrs 57,913 60,860 70,615 78,303 81,015
66-70 Yrs 77,296 81,229 94,260 1,04,526 1,08,149
71-75 Yrs 87,212 91,653 1,06,359 1,17,947 1,22,034
Note- A 6% increase on the base rates will apply every year to all policies.
above 75 Yrs 91,902 96,581 1,12,080 1,24,292 1,28,602

CIN: U66010PN2000PLC015329, UIN: Tuhund Khatir- Jammu & Kashmir - BAJHLIP26053V012526

 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: Tuhund Khatir- Jammu & Kashmir - BAJHLIP26053V012526

BJAZ-O-5146/26-05-2025