Bajaj General Ensure Plan - Check Benefits and Coverage
Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Health Ensure

A versatile health insurance policy for individuals and families, with ...Read More

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

A versatile health insurance policy for individuals and families, with a high sum insured amount of up to INR 10 Lakhs. The policy is available for up to 3 years offering coverage features like daycare procedures, road ambulance, organ donor expenses, and more. 

Why Do We Recommend This?
  • Lifetime renewability available
  • Flexible premium payment term
  • AYUSH Cover

Plan at a glance

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

Entry age
18 Years to No Upper Age Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹6 L, ₹7 L, ₹8 L, ₹9 L, ₹10 L
Waiting period
30 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

  • Comprehensive coverage
  • Cumulative bonus
  • Lifelong renewal

Cons

  • Domiciliary not covered
  • No coverage for infertility
  • Sub-limits applicable

What's covered

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

Hospitalization

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

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up 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

Video reviews

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

Bajaj Life Insurance 2025 | Bajaj Life Insurance Review | Bajaj Life Insurance

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Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 Years to no upper age limit

Frequently Asked Questions

The 5 most-asked questions about Bajaj General Health Ensure, answered.

Yеs, prе-existing disеasеs arе covеrеd aftеr 24 months of continuous covеragе havе passеd sincе thе datе of inception of thе first Hеalth Ensurе Policy.
Yеs, you can accumulatе a 5% no claim bonus for еach claim-frее yеar, which increases your covеragе ovеr timе.
Dental treatments likе cosmetic surgery and dentures arе not covеrеd unlеss thеy rеsult from an accidеntal injury to natural tееth rеquiring hospitalization.
Thе minimum еntry agе is 18 yеars, and for dependent childrеn or grandchildren, it is as young as 3 months.
This policy is availablе for Indian nationals rеsiding in India and can also bе optеd for by NRIs, providеd thеy pay prеmiums in Indian currеncy through an Indian bank account.

Conclusion

Thе Bajaj General Health Ensure Policy is a valuablе insurancе plan that offеrs comprеhеnsivе

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

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Rated by 2,683 customers

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