Bajaj Health Insurance(Formerly known as Bajaj Allianz Health Insurance)

Bajaj Health Insurance is offered by Bajaj General Insurance Company Limited (formerly Bajaj Allianz Insurance Company Limited), a joint venture that commenced operations in 2001. It is one of India’s well-known private insurers providing a strong portfolio of health insurance solutions for individuals and families. The insurer offers plans such as individual health insurance, family floater, senior citizen, critical illness, and super top-up covers. Policyholders also get access to over 18,400 network hospitals across India, enabling convenient cashless treatment during medical emergencies and hospitalisation.

Bajaj Health Insurance was established in 2001 and is registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration No. 113. During April 2024–December 2024, the insurer reported a Gross Written Premium of ₹6,593 crore and sold 5.16 lakh+ health insurance policies. It also reported 10.2 lakh+ claims during FY 2024–25 and has received awards such as Best Customer Experience (Insurance) 2023, Best Organisation for Women 2023, and Non-Life Insurer of the Year 2021.

• Network Hospitals: 18,400+ hospitals across India for cashless treatment.

• Cashless Claim Approval: Cashless health insurance claims approved within 60 minutes.

• Health Insurance Categories: Individual, Family Floater, Senior Citizen, Critical Illness, Maternity, and Super Top-Up health insurance plans.

• Coverage Options: Sum insured options ranging from ₹1.5 lakh to ₹1 crore under select health insurance plans.

• Global Health Coverage: Worldwide medical coverage available under select plans such as Global Health Care.

• OPD Benefits: Available under select health insurance plans and optional covers.

• AYUSH Coverage: Coverage for treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy systems under eligible plans.

• Restoration Benefit: Automatic restoration of the sum insured available under eligible plans.

• No Claim Bonus: Coverage enhancement through cumulative bonus benefits under eligible plans.

• Digital Services: Policy purchase, renewal, claims, and policy management through the Bajaj General Insurance mobile app and digital platforms.

Here are the Types of Bajaj Health Insurance Plans designed to offer comprehensive coverage options for individuals, families, and different healthcare needs.

1. Individual Health Insurance

Covers a single policyholder under an independent sum insured. Bajaj General's individual health insurance portfolio includes plans with features such as OPD benefits, restoration benefits, preventive health check-ups, and AYUSH coverage under eligible plans.

2. Family Floater Health Insurance

Provides a common sum insured for multiple family members under one policy. Bajaj General offers family floater variants across its health insurance portfolio, allowing spouses, children, and dependent family members to be covered under a single plan.

3. Senior Citizen Health Insurance

Available for individuals aged 60 years and above. These plans form part of Bajaj General's health insurance portfolio and include coverage for hospitalisation expenses, subject to the applicable waiting periods, co-payment clauses, and policy conditions.

4. Critical Illness Insurance

Provides a lump-sum benefit upon the diagnosis of specified critical illnesses covered under the policy. Bajaj General also offers specialised critical illness solutions, including plans focused on women-specific critical illnesses.

5. Maternity Health Insurance

Available under select health insurance plans and add-on benefits. Coverage may include expenses related to childbirth, maternity care, and newborn-related medical expenses, subject to waiting periods and policy terms.

6. Super Top-Up Health Insurance

Provides additional coverage after the deductible threshold is crossed. Bajaj General offers super top-up solutions for policyholders seeking higher health insurance coverage without increasing the base policy sum insured.

Bajaj Health Insurance offers several optional covers and policy enhancements that allow policyholders to customise their health insurance coverage based on their healthcare requirements.

• Maternity and Newborn Cover

Available under select health insurance plans, this add-on covers maternity-related expenses, including childbirth and newborn baby-related medical expenses, subject to policy terms and waiting periods.

• OPD Cover

Available under eligible plans, OPD Cover helps policyholders manage expenses related to outpatient consultations, diagnostics, and other non-hospitalisation medical services.

• Critical Illness Cover

Provides a lump-sum benefit upon the diagnosis of specified critical illnesses covered under the policy. This add-on can help manage treatment costs and other financial obligations arising from serious illnesses.

• Consumable Cover

Covers specified non-medical consumables and disposable items that are generally excluded from standard health insurance claims, subject to policy conditions. (Available under select plans.)

• Room Rent Waiver

Helps remove or reduce room rent restrictions applicable under the base health insurance policy, depending on the selected plan and add-on terms.

• Personal Accident Cover

Provides financial compensation in the event of accidental death or specified accidental disabilities during the policy period.

• Wellness Benefits

Available under select plans, wellness-related benefits may include health rewards, preventive care initiatives, and fitness-linked programmes such as Healthy Life Reward – Walk to Win.

• Worldwide Coverage

Available under select plans, this benefit extends coverage for eligible medical treatments received outside India, subject to policy terms and geographical limits.

• Higher Sum Insured and Super Top-Up Options

Policyholders can enhance their existing health insurance coverage through super top-up solutions and higher sum insured options available within Bajaj's health insurance portfolio.

Note: The availability of add-ons varies across Bajaj Health Insurance plans. Policyholders should refer to the respective policy wording and product brochure for the exact optional covers available with their chosen plan.

Bajaj Health Insurance offers a diverse portfolio of health insurance plans, including comprehensive indemnity plans, global health insurance, super top-up covers, and specialised health insurance solutions for different healthcare needs.

1. Bajaj Health Guard

Health Guard is one of Bajaj's flagship health insurance plans and is available in Silver, Gold, and Platinum variants. It offers coverage ranging from ₹1.5 lakh to ₹1 crore and includes benefits such as hospitalisation coverage, day care treatments, AYUSH treatment, maternity benefits, newborn baby cover, and sum insured reinstatement.

2. Bajaj Health Infinity

Health Infinity provides coverage based on a selected daily room rent limit rather than a fixed sum insured. The plan is available with room rent options ranging from ₹3,000 to ₹50,000 per day and can also be purchased as a family floater policy.

3. Bajaj Health Care Supreme

Health Care Supreme offers coverage ranging from ₹5 lakh to ₹50 lakh and focuses on higher medical coverage requirements. The plan includes hospitalisation-related benefits and access to cashless treatment at network hospitals.

4. My Health Care Plan

My Health Care Plan offers customisable health insurance coverage with multiple sum insured options. The plan also includes features such as OPD-related benefits and allows policyholders to tailor coverage based on their healthcare requirements.

5. Extra Care Plus

Extra Care Plus is Bajaj's super top-up health insurance plan that provides higher coverage at a comparatively lower premium. The plan includes cumulative claim benefits and flexible coverage options that can be customised based on the chosen deductible.

6. Global Health Care

Global Health Care provides worldwide medical coverage with a sum insured of up to USD 1 million. The plan is suitable for individuals seeking access to treatment both within and outside India.

7. AapKe Liye

AapKe Liye is a health insurance plan featuring region-specific premiums and wellness-focused benefits. The plan includes features such as Healthy Life Reward – Walk to Win and festive protection benefits.

8. Critical Illness for Women

Critical Illness for Women is a specialised health insurance solution that provides financial assistance upon the diagnosis of specified critical illnesses affecting women, subject to policy terms and conditions.

9. Health Ensure

Health Ensure is a health insurance plan from Bajaj's portfolio that provides coverage for hospitalisation and related medical expenses. Benefits and coverage vary based on the selected policy variant.

10. M-Care Health Insurance Policy

M-Care Health Insurance Policy is part of Bajaj's health insurance product portfolio and provides coverage for eligible medical and hospitalisation expenses incurred during the policy period.

Bajaj General Health Insurance offers a broad range of health insurance solutions, from individual and family floater plans to global health and super top-up covers. The insurer also combines a large hospital network, digital policy servicing, and multiple coverage options across its health insurance portfolio.

• Extensive Hospital Network

Bajaj Health Insurance provides access to 18,400+ network hospitals across India for cashless treatment.

• Quick Cashless Claim Approval

The insurer states that eligible cashless health insurance claims are approved within 60 minutes.

• Multiple Health Insurance Solutions

The portfolio includes individual, family floater, senior citizen, maternity, critical illness, and super top-up health insurance plans.

• Global Coverage Options

Plans such as Global Health Care provide international medical coverage with a sum insured of up to USD 1 million.

• Customisable Coverage

Policyholders can enhance their coverage with benefits such as OPD cover, maternity benefits, critical illness cover, wellness benefits, and super top-up options under eligible plans.

• Wellness-Focused Benefits

Select plans include benefits such as preventive health check-ups and Healthy Life Reward – Walk to Win wellness initiatives.

• Digital Policy Management

Policy purchase, renewal, claims assistance, and policy servicing are available through Bajaj General's digital platforms and mobile application.

• High Coverage Options

Bajaj Health Insurance offers plans with coverage ranging from ₹1.5 lakh to ₹1 crore, along with global plans offering coverage up to USD 1 million.

Buying a Bajaj Health Insurance policy through Coverfox is a simple online process that allows you to compare plans, customise coverage, and complete your purchase in just a few steps.

Step 1: Share Your Details

Enter basic details such as age, city, and the members you want to insure.

Step 2: Compare Bajaj Health Insurance Plans

Review available Bajaj Health Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.

Step 3: Customise Your Coverage

Select the sum insured and enhance your policy with available benefits and add-ons such as OPD Cover, Critical Illness Cover, Maternity Cover, Consumable Cover, or Super Top-Up options, depending on the chosen plan.

Step 4: Complete the Proposal Form

Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.

Step 5: Make the Payment

Review your policy details and pay the premium through Coverfox's secure payment platform.

Step 6: Receive Your Policy Instantly

Once the payment is successful and the proposal is approved, the policy document is issued and shared digitally.

Need Help Choosing a Plan?

If you're unsure which Bajaj Health Insurance plan best suits your needs, simply share your details on Coverfox. One of our insurance experts will contact you on the provided mobile number, explain the available options, answer your queries, and help you choose the right coverage for yourself and your family.

Bajaj Health Insurance provides access to 18,400+ network hospitals across India, allowing policyholders to avail cashless treatment for covered medical expenses. The extensive Bajaj Health Insurance hospital list includes multi-speciality, super-speciality, and leading healthcare facilities across the country, helping policyholders access medical care without making upfront payments for eligible treatments.

How to Find the Bajaj Health Insurance Hospital List?

Finding hospitals from the Bajaj Health Insurance hospital list through Coverfox is simple:

1. Visit Coverfox and navigate to the Health Insurance section.

2. Click on Network Hospitals.

3. Select Bajaj Health Insurance from the list of insurers.

4. Enter your State and City details.

5. View the complete Bajaj Health Insurance hospital list available in your selected location.

6. Choose a network hospital to avail cashless treatment under your Bajaj Health Insurance policy.

• Health Insurance Customer Care Number: 1800 209 5858

• Email ID: careforyou@bajajgeneral.com

• WhatsApp Support: +91 75072 45858

• Mobile App: Bajaj General App (for health claims, policy management, e-cards, and policy servicing)

• Customer Portal: Online portal for policy servicing, claim tracking, document downloads, and policy management

• Online Health Claim Intimation: Available through Bajaj General's digital claim platform

• Network Hospital Locator: Online tool to search cashless network hospitals across India

• Grievance Redressal Email: ggro@bajajgeneral.com

• Head Customer Service Email: head.customerservice@bajajgeneral.com

• Registered Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune – 411006, Maharashtra, India.

Disclaimer: The information provided on this page is for general informational purposes only and is based on publicly available information, insurer disclosures, product brochures, and policy documents available at the time of publication. Benefits, coverage, exclusions, waiting periods, premiums, and terms may vary depending on the selected Bajaj Health Insurance policy. Please refer to the official policy wording and prospectus for complete details before purchasing a policy or filing a claim.