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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Critical Illness

The plan is designed to ensure round-the-clock protection against 10 l ...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

The plan is designed to ensure round-the-clock protection against 10 listed critical illnesses with a high range of sum insured of up to INR 50 Lakhs. Bajaj General’s Critical Illness plan has a short survival period of merely 30 days.

Why We Recommend It?
  • Myocardial Infarction (First Heart Attack of specific severity)
  • Cancer of Specified Severity
  • Major Organ Transplantation

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, ₹20 L, ₹30 L, ₹40 L, ₹50 L
Waiting period
90 days
Renewability
Lifetime
Policy term
1/2/3 Years

*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

  • Cover for 10 critical illnesses
  • Lifelong renewability
  • Affordable premium options

Cons

  • No cover for childhood defects
  • No cover for HIV/AIDS
  • Survival period of 30 days

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

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

Bonuses & restoration

  • No-claim bonus Not 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 Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not 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 Not Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

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

Bajaj Health Insurance

Bajaj Health Insurance

This video explains Bajaj Health Insurance in detail.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Frequently Asked Questions

The 6 most-asked questions about Bajaj General Critical Illness, answered.

Yes, to avail of the maximum coverage for critical illnesses and cope with the financial crisis in such conditions, you can enhance the sum insured limit of your policy.
Yes, in conditions of adverse critical illness, there will be loading charge applicability with this policy.
Yes, the sum insured limit, coverage benefits, payout benefits, etc will be only decided based on the diagnosis result of pre-policy medical check-ups.
You can receive the coverage benefits under this policy only after completing your waiting period of 90 days.
Under the portability benefit of this policy, you can port yourself or your family member/s at least a minimum of 45 days before the renewal period. After this point in time, there will be no entertainment of portability benefit.
Yes, you can cancel your Bajaj critical illness policy within the given time frame and the refunding amount will be based on when you have canceled the same.

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: 19 May 2026 · Originally published: 10 Oct 2024

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