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I hereby notify you of my decision to terminate the contract relating to the Bajaj Allianz General Insurance service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
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- prevent the recipient from contesting the legal scope of the mail.
Cancellation Bajaj Allianz General Insurance: Easy Method
What is Bajaj Allianz General Insurance
Overview
Bajaj Allianz General Insurance is a general insurance company operating in India that provides motor, health, travel, personal accident, and other retail insurance products.
The company issues policies through branches, web portals and partner channels and supports policy management, claims and cancellations via official channels.
Scope of this guide
This guide explains how to cancel policies with Bajaj Allianz, when refunds apply, documentation to prepare and your rights under Indian regulation.
It covers common product types (Health, Personal Accident, Critical Illness, Travel and retail plans) and practical steps to follow.
How to cancel Bajaj Allianz General Insurance
Standard cancellation steps (online / email / branch)
- Locate your policy number and policy document (policy schedule).
- Contact the insurer by the official channel you used to buy the policy (web portal, email or branch).
- Submit a written cancellation request or the company cancellation form with signature, policy copy and reason for cancellation.
- Provide bank details for refund transfer and any additional documents requested by the insurer.
Product-specific instructions
- Health / Personal Accident / Critical Illness: Use the free-look window (30 days for Health/PA; 15 days for Critical Illness) for full review and follow the free-look cancellation steps to claim a refund.
- After free-look: submit a written cancellation notice (insurer usually requires 15 days written notice) and follow short-period refund rules for pro-rata calculations.
- Travel: if journey has not commenced you may cancel (conditions apply); for early return notify insurer with proof for a proportionate refund subject to minimum retention.
- App-store purchases: insurance cannot be cancelled via Apple/Google Play store mechanisms - use the insurer’s official cancellation channels.
What happens when you cancel
Policy status and coverage
On approval of cancellation the policy is terminated from the cancellation date stated by insurer or as agreed in writing.
Coverage ends from that cancellation date and future claims arising after that date will not be covered.
Renewal, records and insurer actions
You can choose not to renew; a cancelled policy does not automatically block future purchase of a new policy with Bajaj Allianz or other insurers.
The insurer retains records as per regulatory and internal retention policies and may also cancel policies from its side with notice and pro-rata refund where applicable.
Will I get a refund?
Free-look refunds (Health / PA / CI)
- Free-look period: 30 days for Health and PA; 15 days for Critical Illness from receipt of policy documents.
- Refund is provided after deductions such as medical examination charges, stamp duty and any proportional risk premium if risk has commenced.
Refunds after free-look and for travel
- After free-look, cancellations are handled with written notice; refunds are prorated using short-period rates (example tiers applied by insurer).
- Travel insurance refunds depend on used proportion of the trip and minimum retention (minimum retention usually at least ₹250).
- No refund is generally payable where claims have already been paid or if the insurer retains 100% per the product rules (for example if more than 50% of travel period used).
Bajaj Allianz General Insurance plans and pricing
Pricing summary
The table below lists representative premiums and product examples drawn from public disclosures and product summaries.
These are indicative; contact the insurer or your broker for exact quotes for your age, sum insured and location.
| Plan | Price | Period | Features |
|---|---|---|---|
| Gross Direct Premium - November 2024 (Bajaj Allianz General Insurance) | ₹1,364.67 Crore | Monthly | Total gross direct premium underwritten in that month |
| Gross Direct Premium - December 2024 (Bajaj Allianz General Insurance) | ₹1,330.90 Crore | Monthly | Total gross direct premium underwritten in that month |
| Gross Direct Premium - August 2025 (Bajaj Allianz General Insurance) | ₹2,063.22 Crore | Monthly | Total gross direct premium underwritten in that month |
| Pocket Subscription - Starting Annual Premium | ₹199/year | Annual | Affordable bite-sized assistance plans via Bajaj Finserv distribution |
| Pocket Subscription - Road Trip Protection | ₹599/year | Annual | Roadside assistance, emergency travel & hotel, card block, PA complementary cover |
| Pocket Subscription - Personal Accident Cover | ₹230 (membership fee) | Annual | Accidental death & permanent disability coverage (sum insured up to ₹25 lakh) |
| Pocket Subscription - Mobile Protect (iPhone) | ₹1,153 - ₹6,153 (based on device) | Annual | Apple device protection; premium varies with device value |
| Motor Insurance - Car | Starting at ₹2,094* | Policy period | Comprehensive car insurance starting price (indicative) |
| Motor Insurance - Bike | Starting at ₹538* | Policy period | Comprehensive two-wheeler insurance starting price (indicative) |
| Motor Insurance - EV | Starting at ₹457* | Policy period | Electric vehicle insurance starting price (indicative) |
| Health Insurance - Base Plan | ≈ ₹15/day (~₹5,426/year) for age 0 - 20 | Annual | Entry-level health coverage; indicative pricing for a young age band |
Notes on pricing
Listed prices are examples and monthly underwriting totals; actual premiums vary by age, sum insured, location and product features.
“Pocket Subscription” products may be distributed through third-party partners; contact the distributor or insurer for exact terms.
Your consumer rights in India
Regulatory protections
- Under IRDAI rules there is a mandatory free-look period (minimum 15 days) to review new policies.
- Bajaj Allianz provides extended free-look: 30 days for Health/PA and 15 days for Critical Illness in line with regulatory minimums.
Complaint and legal recourse
- If refunds or claims are disputed, you can escalate to local branch, regional office or customer care for resolution.
- Consumer courts and insurance ombudsman decisions (for example, ordered compensation for underpayment) are available when internal escalation fails.
Customer experiences
Positive feedback
Many customers report fast claim settlements and helpful digital support in specific cases, such as prompt motor or mediclaim processing.
Official testimonials and in-house portal reviews include a substantial number of 4 - 5 star ratings reflecting positive experiences.
Negative feedback
Public consumer forums contain complaints about delayed customer service responses, repair delays and disputes over claim settlements in some cases.
There are also reports of dissatisfaction on independent review sites; if you face problems, escalate through formal complaint channels and, if needed, legal avenues.
Documentation checklist
Documents to prepare
- Policy document and policy number (original or soft copy).
- Signed cancellation request or company cancellation form.
- Proof of purchase (receipt), identity proof and bank details for refund transfer.
- For travel: booking proof, flight/train tickets and proof of early return if applicable.
Supporting documents for specific refunds
- For free-look cancellation: policy document and dated receipt of delivery of policy documents.
- For claims-related rejections: claim forms, medical reports or repair invoices as requested by insurer.
- Keep copies of all communications (emails, acknowledgements) and note reference numbers.
Common mistakes
Timing and assumptions
Assuming a blanket 14-day refund via App Store or Google Play is a frequent mistake; insurance free-look periods vary by product and must be done with the insurer.
Delaying cancellation notice until after deadlines or not verifying the effective cancellation date can reduce or eliminate refunds.
Documentation and process errors
Failing to submit required documents, using incorrect bank details or not obtaining written acknowledgement causes delays in refunds.
Not checking product-specific short-period refund rules (example tiers for travel) can lead to unexpected retention by the insurer.
Comparative recap
At-a-glance comparison
| Policy Type | Free-look | Cancellation Notice | Refund basis | Key exception |
|---|---|---|---|---|
| Health | 30 days | Written notice after free-look (typically 15 days) | Refund after deductions (medical exam, stamp duty, prorata risk premium) | No refund if claims already paid or risk fully elapsed |
| Personal Accident | 30 days | Written notice after free-look | Pro-rata refund per short-period rates | Product terms determine retention |
| Critical Illness | 15 days | Written notice after free-look | Refund after permitted deductions | Shorter free-look than Health/PA |
| Travel | Varies (subject to product) | Cancel before journey start or notify for early return | Refund depends on trip used % and minimum retention (examples: up to 20% period → insurer retains 50%) | No refund if claim incurred or >50% period used (100% retained) |
| App-store purchases | Not applicable via app stores | Must cancel via insurer channels | Refund per policy free-look and product rules | No refunds through Apple/Google Play mechanisms |
How to use this comparison
Use the table to quickly identify the free-look window, notice requirements and likely refund basis before initiating cancellation.
Always confirm product-specific short-period rates with the insurer for exact refund calculations.
After cancelling
Practical next steps
- Obtain written confirmation of cancellation and the effective cancellation date from the insurer.
- Confirm refund amount, deductions and expected timeline for transfer to your bank account.
Escalation and further help
- If you do not receive a satisfactory response, escalate to a regional office or formal customer grievance channels within the company.
- If internal escalation fails, you may approach the insurance ombudsman or consumer forum under applicable Indian regulations.
Address
Corporate office
Bajaj Allianz General Insurance
Bajaj Allianz House, Airport Road, Yerawada, Pune 411006, India
Contact note
For policy cancellation, use the official channels through which you purchased the policy (branch, web portal, email or your broker).
Keep copies of all documents and written communications until the cancellation and refund are fully processed.