Do no ever take a policy from bajab allianz. They are the biggest cheat. They cut 25% charge as admin fees and 6% admin fees there after which gives you nothing at the end of the year. The worst policy ever and you will finally end up losing money instead of gaining something out of it.
Never take any policy from BAJAJ ALLIANZ. WORST EVER WORST EVER. If I have a way to give 0% rating somehow. I would have given it that also