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Bajaj General Health Insurance

Bajaj General Insurance is one of the largest private insurer in the industry with offices in over 1100 towns and ...Read More

18,400+
Cashless hospitals
99.23%
Claim settlement
25 Cr
Max sum insured
21
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25x solvency ratio
✅ 99.23% claim settlement

What you get with Bajaj General Health Insurance

The headline features and policy mechanics, at a glance.

Sum insured up to 25 Cr

Coverage scales from entry-level individual plans to high-end family-floater protection.

18,400+ cashless hospitals

Direct billing at network hospitals across 1100 presence — no out-of-pocket payment at admission.

99.23% claim settlement

Industry-leading approval rate on eligible claims received in the most recent fiscal year.

3.25x solvency ratio

Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.

21 active plans

Choose from individual, family floater and senior-citizen variants to match your household.

About Bajaj General Health Insurance

A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.

Bajaj General Health Insurance Overview

One of the leading health insurance companies, Bajaj General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE.

They joined hands in May 2001 to start with Bajaj General Insurance. They offer various health insurance plans for individuals, families, critical illness, group insurance, etc. You can customize your plans as per your requirements.

In the last two decades, they have empowered so many lives with their products and services in the insurance market.

18400+

1

Network
Hospitals

60 Minutes

2

Claims
Settled

Caringly Yours

3

Download
App

Up To 25 Cr

4

Sum
Insured

24X7

5

Customer
Support

What are some of the
Features
that set them apart?

  • 1

    Initiate and track claims easily via the Bajaj General Mobile App 

  • 2

    Earn rewards for living a healthy lifestyle 

  • 3

    Emergency air ambulance services

  • 4

    International travel for treatments

  • 5

    Unlimited teleconsultations

Bajaj General Awards and Accolades

  1. Best Use of Data Analytics in Fraud Detection Award
  2. Finnoviti Trophy for Reach- Sarvatra Bima/Insurance on Wheels
  3. Best Cyber Insurance Award
  4. Digital Transformation Trailblazer Award 
  5. Operational Resilience Award

Choose Bajaj General Health Insurance Coverage of Your Choice

Select a sum insured option below to compare health plans matching your coverage need.

5 L Health Insurance 10 L Health Insurance 20 L Health Insurance 50 L Health Insurance 75 L Health Insurance 1 Cr Health Insurance 25 Cr Health Insurance

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.

Bajaj Health Insurance Plan 2025 | Bajaj Health Insurance Hindi | Bajaj

Bajaj Health Insurance Plan 2025 | Bajaj Health Insurance Hindi | Bajaj

Bajaj Insurance Plans 2024

Bajaj Insurance Plans 2024

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Bajaj Health Insurance

All 21 Bajaj General Health Insurance plans

Every plan currently being sold by Bajaj General Health Insurance, shown side-by-side so you can shortlist quickly.

Most popular Individual

Bajaj General HERizon Care

This plan allows HER to be in HERizon! Bajaj General HERizon Care is a groundbreaking policy that addresses the holistic health and wellnes…

Sum insured 3 L, 10 L, 25 L, 50 L, 75 L, 1 …
Entry age Adult 18 – 80 years, Child Day 90 to 35…
  • Surrogacy support
  • Oocyte donor cover
  • Nurture nest
View plan
Individual

Criti Care

Bajaj General Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The …

Sum insured 1 L, 1.5 L, 2 L, 5 L, 7 L, 10 L…
Entry age 18 to 65 Years
  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available
View plan
Top Up and Super Top Up

Bajaj General Extra Care Plus

Bajaj General Extra Care Plus is a super top-up plan launched by Bajaj General that covers all your medical expenses. Bajaj General Extra C…

Sum insured 3 L, 5 L, 10 L, 15 L, 20 L, 25 …
Entry age 91 Days to 80 Years
  • High sum insured
  • Entry age up to 80 years
  • Cover for family members available
View plan
Senior Citizen Health Insurance

Silver Health Plan

Bajaj General Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insuranc…

Sum insured 1 Lakhs, 2 Lakhs, 3 Lakhs, 4 La…
Entry age 46 to 80 Years
  • Cover 15 critical illnesses
  • Preventive health check-ups
  • Long term policy
View plan
Accident Health Insurance

Bajaj General Personal Accident Policy

Bajaj General Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj …

Sum insured 10 L,15 L,20 L,25 L
Entry age 18 to 65 Years
  • High sum insured
  • Death cover
  • Disability cover
View plan
Individual and Family Health Insurance

Bajaj General Arogya Sanjeevani

A versatile policy covering every family member. Bajaj General Arogya Sanjeevani is a comprehensive health plan for individuals and familie…

Sum insured 1 L, 2 L, 3 L, 4 L, 5 L, 10 L, …
Entry age 18 to 65 Years
  • Lifelong renewability
  • Affordable premiums
  • Cover for pre-policy health checkups
View plan

Quick comparison

Side-by-side across the 3 most-bought Bajaj General Health Insurance plans on PolicyX.

Bajaj General Health Insurance plan comparison
Feature Bajaj General HERizon Care Criti Care Bajaj General Extra Care Plus
Plan type Individual Individual Top Up and Super Top Up
Sum insured 3 L, 10 L, 25 L, 50 L, 75 L, 1 … 1 L, 1.5 L, 2 L, 5 L, 7 L, 10 L… 3 L, 5 L, 10 L, 15 L, 20 L, 25 …
Entry age Adult 18 – 80 years, Child Day 90 to 35… 18 to 65 Years 91 Days to 80 Years
Top benefits Surrogacy support · Oocyte donor cover 43 critical illnesses cover · All-stage cancer cover High sum insured · Entry age up to 80 years

What's covered — and what's not

The standard inclusions and exclusions across Bajaj General Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.

✓ Inclusions

  • The health insurance policies at Bajaj General cover you for the expenses related to any medical treatment you receive while staying in the hospital.
  • The coverage for pre and post-hospitalisation is covered up to 60 to 90 days respectively.
  • Organ donation is a noble cause, your bajaj mediclaim policy covers all the surgical and medical procedures related to organ donation.
  • As technology advances, medical treatments available in the market are also advancing. Procedures taking less than 24 hours are covered by your Bajaj General policy.
  • Your Bajaj General health cover will take care of the expenses that can occur while delivering the baby and the treatment of the newborn baby in case of requirement.

✗ Exclusions

  • Bajaj General health policies will not cover injuries or hospitalization caused by self-harm.
  • Bajaj General Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
  • Bajaj General Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
  • Bajaj General Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
  • Bajaj General health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

Documents required

For policy purchase and claim submission. Have these ready before you start.

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim

Waiting periods

When specific benefits become claimable after policy start.

What Are The Different Waiting Periods In Bajaj General Health Insurance Plans?

Initial Waiting Period

An initial waiting period of 30 days is applicable on all Bajaj General Health Insurance plans starting from the date of purchase

Pre-existing Waiting Period

Pre-existing diseases such as hypertension, diabetes, and others have a waiting period varying between 2 to 4 years depending on the plan you opt for.

Survival Period

The survival period is the number of days mentioned in your critical illness health policy that you need to survive after being diagnosed with a critical illness to get plan coverage.

18,400+ cashless hospitals

Find a Bajaj General Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.

Choose your city

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

View all Bajaj General Health Insurance network hospitals →

Buy, claim, renew, port — step-by-step

Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.

If you are looking forward to purchasing Bajaj General Health insurance online follow the simple steps below

  • Step 1

    Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

  • Step 2

    Click on 'Get free quotes' and compare Bajaj General Health Insurance Plans as per your needs.

  • Step 3

    Select and pay premiums online for the purchased Bajaj General health insurance plan of your choice.

  • Step 4

    Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Bajaj General Health Insurance plan.

You can file for cashless as well as reimbursement claims for your Bajaj General Insurance Plans by following these easy steps:

  • Step 1

    Visit the nearest network hospital and show your Bajaj general cashless card and valid ID proof like a Passport, PAN Card, Voting card, etc.
  • Step 2

    Fill in the TPA form and provide the necessary details. 

  • Step 3

    Bajaj general will review your request after which the hospital bill is settled between the insurer and network hospital. 

Follow the steps for Bajaj General Health Insurance policy renewal

  • Step 1

    Visit the official website of Bajaj General Health Insurance Company

  • Step 2

    Click on the ‘Renew’ tab

  • Step 3

    Mention your ‘Policy Number’ and ‘Date Of Birth’

Connect with our insurance experts for Bajaj General health insurance policy renewal at 1800 - 4200 - 269

To port your existing policy to Bajaj General health insurance, follow the steps mentioned below:

  • Step 1

    Fill out the portability form, and send the application to Bajaj General Health Insurance Company 45 days before the date of your existing health plan renewal.

  • Step 2

    As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.

  • Step 3

    Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

Compare and calculate the best care health policies with the PolicyX premium calculator with these simple steps:

  • Step 1

    Visit the official website of 'PolicyX'

  • Step 2

    Fill in details such as name, number of family members to be covered, city, and other information

  • Step 3

    Click on 'Get Quotes'

P.S - Connect with PolicyX health insurance experts for Bajaj General health insurance policy renewal at 1800-4200-269

Frequently asked questions

The 15 most-asked questions about Bajaj General Health Insurance, answered.

There are mainly three modes through which you can pay the premium amount of the Bajaj General Health Insurance policy- Online payment ECS (electronic mode of funds transfer from one bank to another) By cheque or by cash payment at the insurance company’s office
Yes, under a few Bajaj General Health insurance plans, the insured will receive maternity and the newborn baby cover.
With Bajaj General’s critical illness policy, you are covered for 10 major critical illnesses: First heart attack Open Chest CABG (Coronary Artery Disease Requiring Surgery) Stroke Resulting in Permanent Symptoms Cancer of Specified Severity Kidney Failure Requiring Regular Dialysis
Yes, your policy is valid in Pan India and you can use it to meet your health emergencies.
For renewing the Bajaj General Health Insurance policy, you are required to visit the official website of this insurer and choose the health insurance section. After going through the health section, fill in all the details such as the policy number, KYC details, contact details. Then click on Get Quote and make the payment via online medium.
Buying a Bajaj General mediclaim policy provides you the tax benefits as per sec 80D of the Income Tax Act, 1961.
Visit the nearest branch office of Bajaj General health insurance along with the original policy documents and duly surrender form. Submit the documents and the refund of your policy premium shall be initiated after the completion of the policy cancellation.
Bajaj General Health Insurance provides cashless treatment at Bajaj General Health Insurance’s network hospitals.
Yes, Bajaj General Health Insurance offers family floater plans that allow you to include your spouse and children under a single policy.
Yes, there is usually a waiting period of 24 months provided for pre-existing conditions. The duration may vary depending on the policy terms.
You can renew your policy online through the Bajaj General official website or contact their customer service for assistance with the offline renewal process.
Yes, Bajaj offers coverage for alternative treatments or AYUSH.
Usually, a grace period for Bajaj Health Plans is 15 days. The duration may vary depending on the policy terms.
In most health insurance plans, after a 2-year waiting period, coverage includes conditions like hernia, cataract, piles, fissure, fistula, hydrocele, gallstones, kidney stones, varicose veins, certain joint replacements, and some benign tumors or cysts.
There is a free look period of 15 days for Bajaj General health insurance

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Customer satisfaction

Aggregate ratings from 2,699 verified PolicyX customers who bought a Bajaj General Health Insurance plan.

4.4
out of 5
2,699 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 10 Oct 2024 · Originally published: 10 Oct 2024

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