Bajaj Allianz offers a wide range of general and life insurance products with a number of benefits and options to suit every possible need. The idea is to provide financial protection against unprecedented life events. 

Here are the types of life insurance policies offered by Bajaj Allianz: 

1. Bajaj Allianz ULIP Plan
2. Bajaj Allianz Term Insurance
3. Bajaj Allianz Savings Plans
4. Bajaj Allianz Retirement/Pension Plans
5. Bajaj Allianz Child Plans
6. Bajaj Allianz Group Plans
7. Bajaj Allianz Health Insurance

Bajaj Allianz Term Insurance Plans

Term insurance is basically coverage against accidents and uncertainties, with a death benefit offered in the form of a lump sum amount to a nominee upon the death of the policyholder. One can include riders into the term plan to become eligible for additional financial protection. 

Here are the different term plans Bajaj Allianz offers: 

	iSecure	iSecure More	iSecure Loan Term Plan	Life Secure	Lifestyle Secure
Entry Age	18 - 60 years	18 - 60 years	18 - 60 years	25 years	18 - 50 years
Exit Age	28 - 70 years	28 - 70 years	28 - 65 years	Option I and II: 55 years  Option III: 50 years	23 - 60 years
Sum Assured	General category: Rs. 2,50,000  For Smoker, Preferred Non-Smoker, Non-Smoker: Rs. 20,00,000	Min: Rs 2,50,000 Max: No Limit	Min: Rs. 3,00,000  Max: No Limit	Rs. 20,00,000	Min: Rs. 3,00,000 Max: Rs. 15,00,000
Death Benefit	Paid on death which leads to policy termination	Individual- Paid on death which leads to policy termination Joint - Prevailing Sum Assured of both policyholders	Individual- Paid on death which leads to policy termination Joint - Prevailing Sum Assured of both policyholders	Paid on death. Additional sum assured paid in case of accidental death	Sum assured payable in monthly installments as regular income

Bajaj Allianz iSecure Plan

Key features of the iSecure Plan are as follows:

• The plan provides no maturity benefit. There is excellent coverage offered as a death benefit.
• Payouts as accepted in the form of installments.
• Non-smokers and healthy people enjoy discounts.
• Policyholders can include spouses in the plan. 
• Best suited for non-smokers, high-income or low-income group people.

Bajaj Allianz iSecure More Plan

Key benefits of the iSecure More Plan are as follows:

• Policyholders avail 5% incremental life insurance coverage every year.
• Policyholders can include spouses in the plan. 
• There is a rebate on high sum assured.
• It has a maximum age of 60 as opposed to 70 in the case of iSecure.
• Payouts as accepted in the form of installments.
• Best suited for individuals with spouses; not at risk of age-related diseases. 

Bajaj Allianz iSecure Loan Plan

Key benefits of the iSecure Loan Plan are as follows:

• Policyholders enjoy mortgage cover.
• It covers outstanding loans or liabilities left behind by the policyholder.
• Policyholders can include spouses in a joint life insurance plan.
• There is a rebate on high sum assured.
• There is a decrease in the sum assured every year. The premium decreases as well.
• Best suited for those with plenty of dependents and outstanding loans.

Bajaj Allianz Life Secure 

Key features of the Life Secure Term Plan are as follows:

• Policyholders enjoy covers until the age of 100 years.
• There is a rebate on high sum assured.
• Policyholders have a choice to pay premiums in 5 to 15 years.
• Best suited for medically fit, low-risk, and high-income groups.

Bajaj Allianz LifeStyle Secure

Key features of the Lifestyle Secure Term Plan are as follows:

• Family members enjoy financial protection in the form of regular income.
• There is no need to present a medical certificate. 
• There is a rebate on high sum assured.
• There is covered for accelerated risk in case of terminal illnesses. 

Bajaj Allianz ULIP (Unit Linked Insurance Plans)

These plans are essentially designed so you get the best of life insurance and market-linked investments. Under these policies, a percentage of your premiums goes into equity, hybrids, debts, bank deposits, etc whereas the remaining part of the premium is used to pay for life insurance. 

Here the different ULIPs offered by Bajaj Allianz:

	Future Gain	Fortune Gain	Life Principal Gain	Future Wealth Gain	Life Goal Assure
Entry Entry	1 - 60 years	1 - 63 years	7 - 60 years	Wealth Plus: 0 t- 65 years Wealth Plus Care: 18 – 53/55 years	0 - 60 years
Age at Maturity	18 -70 years	18 - 70 years	18 - 70 years	Wealth Plus: 18 - 75 years Wealth Plus Care: 28 to 70 years	75 years
Death Benefit	(i) Sum assured or regular fund amount (whichever is higher) + (ii) The top-up premium sum assured or premium fund value	(i) Sum assured or regular fund amount (whichever is higher) + (ii) The top-up premium sum assured or premium fund value	Sum assured or premium fund value or 105% of the total paid premium (whichever is higher)	(i) Sum assured and top-up sum assured if applicable (ii) Fund value as reported when intimation of death is received. (iii) Income Benefit if in Wealth Plus Care	(i) Sum assured or premium fund value (whichever is higher) + (ii) The top-up sum assured or premium fund value (whichever is higher)

Bajaj Allianz Future Gain

Key features of the Future Gain Plan are as follows:

• There are unlimited switches possible with this plan. 
• Returns on maturity are applicable.
• The two investment strategies included in the plan are the Investor Selectable Portfolio Strategy and Wheel of Life Portfolio Strategy.
• There is maximum premium allocation.
• Policyholders can partially withdraw or surrender ULIPs. 

Bajaj Allianz Fortune Gain

Key features of the Fortune Gain Plan are as follows:

• Returns on maturity are applicable.
• Policyholders can partially withdraw or surrender ULIPs. 
• There are loyalty additions applicable.
• Fund allocation of 99.5% is granted on a single premium above Rs. 10 lakh.
• There are unlimited switches possible with this plan.
• Policyholders can choose from seven funds. 
• The investment strategy available is Selectable Portfolio Strategy.
• Policyholders enjoy tax benefits under Section 80C and 10 (10D) of the Income Tax Act. 

Bajaj Allianz Life Principal Gain

Key benefits of the Life Principal Gain Plan are as follows:

• Policyholders can partially withdraw or surrender ULIPs.
• High returns are applicable on life cover and investments.
• Guaranteed returns are applicable on the maturity of the principal amount.
• There are guaranteed loyalty additions applicable on maturity.
• Policyholders enjoy tax benefits under Section 80C and 10 (10D) of the Income Tax Act. 

Bajaj Allianz Life Future Wealth Gain

Key benefits of the Life Future Wealth Gain Plan are as follows:

• There is accelerated cancer cover available. 
• Policyholders can partially withdraw or surrender ULIPs.
• High returns are applicable on life insurance and investments.
• Guaranteed returns on the maturity of the principal amount.
• There are guaranteed periodic loyalty additions applicable on maturity.

Bajaj Allianz Life Goal Assure

Key benefits of the Life Goal Assure Plan are as follows:

• Policyholders can opt for a Fund Booster at maturity if the policy term is above 10 years. 
• There is an option to avail maturity amount in installments via Return Enhancer.
• Policyholders can choose from four investment portfolio strategies. 
• There is a choice to reduce the sum assured.
• Policyholders can modify the premium payment term. 
• Policyholders enjoy tax benefits under Section 80C and 10 (10D) of the Income Tax Act 1961.

Bajaj Allianz Savings Plan

Bajaj Allianz Savings Plan is essentially designed for individuals with short or long-term financial objectives. It allows you to deposit money regularly in order to create backup savings to use as needed. Regardless of which income group you belong to, it is recommended you have a savings policy. 

The advantage of opting for a Bajaj Allianz Savings Plans is that you avail maturity and death benefits. These can either be in the form of a lump sum payment or equated monthly instalments. Several Bajaj Allianz Savings Plans offer rebates on high sum assured. 

Policyholders can also avail tax benefits under Section 80C of the Income Tax Act 1961 as well as tax rebates on maturity and death benefits, and surrender value under Section 10(10D).

Bajaj Allianz offers the following Savings Plans:

1. Bajaj Allianz Save Assure
2. Bajaj Allianz Income Assure
3. Bajaj Allianz Guarantee Assure
4. Bajaj Allianz Cash Assure
5. Bajaj Allianz Super Life Assure

	Entry Age	Maturity Age	Death Benefit
Bajaj Allianz Save Assure	1 - 60 years	18 - 75 years	If below 45; 10*annualised premium/105% of total paid premium/115% of sum assured If over 45; 7*annualised premium/105% of total paid premium/115% of sum assured (whichever is higher)
Bajaj Allianz Income Assure	0 - 50 years	18 - 74 years	Sum assured at death + vested bonus + terminal bonus/105% of paid premiums
Bajaj Allianz Guarantee Assure	9 - 60 years	18 - 69 years	Sum assured at death + accrued additions
Bajaj Allianz Cash Assure	0 - 54 years	18 - 70 years	Sum assured at death + vested bonus + interim bonus + terminal bonus/105% of paid premiums
Bajaj Allianz Super Life Assure	Super variant: 18 - 50 years Life variant 0 - 55 years	Super variant: 30 - 70 years Life variant 18 - 70 years	Sum assured at death + vested bonus + terminal bonus/105% of paid premiums

Bajaj Allianz Retirement/Pension Plans

Bajaj Allianz's Retirement or Pension Plans help individuals create a corpus and avail financial coverage against lifestyle expenses, healthcare costs, and inflation. The idea is to support retired people lead a rich and financially stable life through a systematically created pool of funds. 

Bajaj Allianz's two most promising retirement plans are:

1. Bajaj Allianz Retire Rich Plan
2. Bajaj Allianz Pension Guarantee Plan

	Entry Age	Policy Term	Payout Frequency
Bajaj Allianz Retire Rich Plan	30 - 70 years	7 - 30 years	Yearly/half-yearly/monthly/quarterly
Bajaj Allianz Pension Guarantee	Annuity for life: 0 to 100 years For offer 37 - 80 years	7 - 30 years	Yearly/half-yearly/monthly/quarterly

Bajaj Allianz Child Plans

Child plans are usually opted for by parents to secure their children's education. Bajaj Allianz's Child insurance plans are designed to address a child's academic needs as well as co-curricular interests so your child doesn't face financial challenges in pursuit of his dreams. Some of the top features of Bajaj Allianz's Child insurance plans include policy term options, premium payment choices, maturity benefits, and so on. 

In the event of a parent's death, Bajaj Allianz promises to help secure your child's future. The two child plans offered by the company are:

1. Bajaj Allianz Lifelong Assure
2. Bajaj Allianz Young Assure

	Entry age	Sum assured	Policy term	Payment frequency
Bajaj Allianz Lifelong Assure	10 - 55 years	Rs. 1 lakh (no max limit)	100-entry age years	Monthly/yearly/quarterly/half-yearly
Bajaj Allianz Young Assure	18 - 50 years	10×annualised premium	10, 15, 20 years	Monthly/quarterly/half-yearly/annually

Bajaj Allianz Group Plans

Group Plans offer financial protection to employees or individuals covered under one policy. Benefits range from life cover to retirement planning and loan protector schemes, to name a few. 

Bajaj Allianz offers the following Group Plans for both employer-employee and non-employer-employee groups:

1. Bajaj Allianz Life Pradhan Mantri Jeevan Jyoti Bima Yojana.
2. Bajaj Allianz Life Group Superannuation Secure
3. Bajaj Allianz Life Group Sampoorna Suraksha Kavach
4. Bajaj Allianz Life Group Credit Protection Plus
5. Bajaj Allianz Life Group Employee Care
6. Bajaj Allianz Life Group Term Life
7. Bajaj Allianz Life Group Employee Benefit
8. Bajaj Allianz Life Group Sampoorna Jeevan Suraksha

Bajaj Allianz Health Plans

Health insurance plans provide financial security for health care, be it regular check-ups or critical illnesses. Bajaj Allianz's health insurance plans aim to safeguard your life savings from being spent on medical bills, hospitalisation charges, prescription drugs, ambulance costs, etc. They provide you financial support during emergencies through cashless treatments and quick settlement processes.

Bajaj Allianz has also added coronavirus cover to its health insurance plans to offer coverage against COVID-related infections. This includes hospitalization costs, daycare expenses, AYUSH treatment, ambulance costs, and so on.

Here's listing the top health insurance plans by Bajaj Allianz as per individual requirements: 

Requirement	Best Health Insurance
Senior citizens cover	Bajaj Allianz Silver Health Insurance Plans
Family cover	Bajaj Allianz Health Infinity Plan, Individual Health Guard and Health Care Supreme
Critical illness cover	Bajaj Allianz Critical Illness Plans
Coronavirus cover	Aarogya Sanjeevani Policy and Health Indemnity clause mentioned in other Health products
Women-specific critical illnesses cover	Bajaj Allianz Critical Illness Plans for Women
Bodily injury or accidental death cover	Bajaj Allianz Personal Guard
Vector borne diseases cover	Bajaj Allianz M Care Health Insurance Plans

Best Policies of Bajaj Allianz 

	Policy Type	Entry Age	Maturity Age	Policy Term
Isecure Plan	Term Insurance Plan	18 - 60 years	28 - 70 years	10, 15, 20, 25 years
Retire Rich	Unit-Linked Pension Plan	30 - 70 years	– 80 years	7 - 30 years
Young Assure Plan	Traditional child plan	18 - 50 years	– 60 years	10, 15, 20 years
Save Assure Plan	Traditional savings plan	1 - 60 years	18 - 75 years	– 17 years
Cash Assure	Non-linked money-back plan	0 - 54 years	18 - 70 years	16, 20, 24, or 28 years
Life Long Assure Plan	Non-Linked Whole Life Plan	10 - 55 years	N/A	100-entry age years
iSecure Loan Plan	Decreasing Term Plan	18 - 60 years	28 - 65 years	10, 15, 20, 25 years
Life Goal Assure	Unit-linked insurance plan	0 - 60 years	75 years	20 years