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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Arogya Sanjeevani

Bajaj General Arogya Sanjeevani is a versatile health plan that protec ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

About Bajaj General Arogya Sanjeevani

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

A versatile policy covering every family member.

Bajaj General Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Available for 1 year, Arogya Sanjeevani provides features like Hospitalization, AYUSH Treatment, Pre and Post-Hospitalization, and more. 

The entry age available for Arogya Sanjeevani is between 18 to 65 years. Coverage is available for you,  legally wedded Spouse, Dependent Children, Parents, and Parents-in-law. 

Let us uncover more about Bajaj General Arogya Sanjeevani Health Insurance Plan. 

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 Days
Renewability
Lifelong
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Lifelong renewability
  • Affordable premiums
  • Cover for pre-policy health checkups

Cons

  • Low SI options
  • No cover for dental treatments
  • No cover for mental illness

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Sample Premium Illustration of Bajaj General Arogya Sanjeevani Plan

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

1 Adult

Sum Insured (in Rs.) 5 Lakhs 15Lakhs 20 Lakhs 25 Lakhs
Premium Payable 5,600 7,800 8,400 8,850

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • There is a list of certain conditions that Bajaj General Optima Health Insurance doesn't cover. A few of them are listed below-
  • Intentional self-injury,
  • Mental illness,
  • Cosmetic & aesthetic treatment,
  • Dental surgery,
  • AIDS,
  • Miscarriage, and abortion,
  • Congenital disease,
  • Infertility and in vitro fertilization,
  • Hospitalization out of war, riot, strike, and nuclear weapons.
  • Certain diseases and treatments are covered under Arogya Sanjeevani insurance plan after a certain time period. Read the details below:
  • Listed ailments after 24 to 36 Months
  • Pre-existing diseases after 36 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18-65 Years

Other features & benefits

  • Pre-policy health check-up coverage
  • Daycare procedures covered
  • Ambulance cover available

Bajaj General Arogya Sanjeevani Plan: FAQ

The 6 most-asked questions about Bajaj General Arogya Sanjeevani, answered.

Yes. This plan provides an option of a 5% co-payment for every admissible claim under this plan.
Yes, you can pay the premium for this policy on a monthly, quarterly, half-yearly, or annual basis.
No, the plan does not cover maternity expenses.
During the policy tenure, all the daycare procedures are covered under the plan.
The policyholder is eligible to avail of a Family Discount of 10% if 2 family members are covered under a single Policy and 15 % if more than 2 family members are covered under a single Policy. Another online discount is also available wherein a discount of 5% will be offered if bought online.
No, you do not have to undergo any medical test up to 45 years of age

Conclusion

An ideal plan for those looking forwards to provide health cover for self and family members. With a

Explore Bajaj General Health Insurance

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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: 7 Aug 2023 · Originally published: 10 Oct 2024

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