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What is the advantage of buying insurance online?
One major advantage of purchasing insurance online is that it enables easy payment. This site empowers you to make decisions on your personal investments at your own pace without being pestered by someone. Also, your privacy is guaranteed.

How soon will my insurance coverage begin if I make the purchase online?
Policy status is subject to policy approval by underwriting & issuance. After payment of the first premium you need to send or get collected other necessary documents that include Age and Address Proofs, to enable us to issue your policy at the earliest.

This process usually takes 10-12 days. In case the policy requires you to undergo a medical check-up; you will be called by the service provider's customer service personnel for the same.

Do online insurance companies have agents?
No. The company offers this product only on-line and hence does not involve any agents.

How do I get an insurance quote online?
Getting an insurance quote online is as simple as filling out the company's questionnaire. You will be asked questions related to the premium amount you are comfortable paying, the payment modes (monthly, quarterly, half-yearly and yearly), the chosen period for your policy tenure and the investment funds you are interested in. You can manually select these funds or you can leave our investment advisors to decide on your behalf.

Post this you will be provided with a Benefit Illustration (sharing of this is a mandate by IRDA) that will provide you your latest policy update.

Is it safe to give an insurance company online all of my confidential information?
Bajaj Allianz website is equipped with all safety regulations to enable safe transaction by you. The site is Mcafee secured and your personal information is gathered on secure web pages.

What's the difference between a credit card and a debit card?
A credit card is a card that lets a consumer access funds in a credit line set aside for that user. When the purchase is made, and settlement occurs, funds are drawn from the credit line and deposited to the merchant's account.

On the other hand, a debit card is a payment card whose funds are withdrawn directly from the cardholder's checking account. With an online debit card, the customer must enter a PIN to authorize payment at the time of sale (and the funds are settled through a debit network). In the case of offline debit cards (generally with Visa or MasterCard logos) the customer signs a receipt, as would be the case in a credit card transaction. In this case, the funds are transferred after batch settlement.

How can I pay for the premiums on my policy?
Monthly mode is allowed only through ECS. ECS form should be uploaded on the website where the online proposal form is to be filled. You can also pay by credit card, by a one-time cheque or by cash/DD.

When will the payment I make be applied to my policy?
Online payment made by you will reflect instantly by way of an online receipt that will depict your transaction details. This receipt will be mailed to your registered mail ID.

Will I be sent a receipt?
Once your online transaction is through you will receive an online receipt in your registered mail ID inbox. You will also receive a physical copy of the filled form and the Premium Payment Receipt.

What is the entry age to buy this policy?
The minimum entry age is 18 years. The issue age of the Life Assured / Policyholder is calculated as age attained (i.e. age last birthday) as on the date of commencement of the related benefit.

What are the additional benefits iGain II offers?
- UL Accidental Death Benefit
- UL Accidental Permanent Total / Partial Disability Benefit
(See definitions of the above in the Life Insurance Basics section on this site)

Where can I read more about the insurance terms mentioned in the policy form?
You can get further information on the terms in the Life Insurance Basics section on the site's homepage.

How long from the date of the service do I have to file a claim?
In order to take care of your claim as soon as possible, we ask that you give us written notice of a claim within 30 days after a covered loss starts, or as soon as is reasonably possible.

Who should complete the claim form?
We provide you with instructions on who should complete the form and how to file it.

How do I get a claim form?
You can visit http://bajajallianzlife.co.in/claims.asp and read the instructions on how to file a claim from our web site or you can call our Customer Care Service for answers to your queries.

How can I change the way I pay my premium?
We offer several payment methods, including pre-authorized checking account withdrawals, credit card, and standard mail billing. You can request a change by contacting us by phone or in writing.

How do I obtain a duplicate copy of my policy?
You can obtain a copy of your policy by calling or writing to us. However, you will incur additional costs.