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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Health Guard

Health Guard Policy provides you with a comprehensive range of benefit ...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 Health Guard

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

Bajaj General Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses related to Illness/surgery. Bajaj General Health Guard policy is designed to suit all healthcare needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident.

This policy can be purchased on individual or family floater basis. There are three variants available of the Bajaj General Health Guard Policy- Silver, Gold, and Platinum.

Plan at a glance

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

Entry age
18 Years to Lifelong
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 L, ₹1 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

  • Lifelong entry age
  • SI upto 1 Crore
  • Variants available

Cons

  • Domiciliary not covered
  • E-consultation not available
  • No second medical opinion

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 Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Applicable
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

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

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination 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 Health Guard 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 for different family sizes.

1 Adult

Sum Insured (in Rs.) 2 Lakhs (Silver plan) 10 Lakhs (Gold Plan) 50 Lakhs (Gold Plan) 1 Crore (Platinum Plan)
Premium Payable 5,500 9,400 14,100 17,850

2 Adults

Sum Insured (in Rs.) 2 Lakhs (Silver plan) 10 Lakhs (Gold Plan) 50 Lakhs (Gold Plan) 1 Crore (Platinum Plan)
Premium Payable 7,650 13,200 19,750 24,950

2 Adults +1 Kid

Sum Insured (in Rs.) 2 Lakhs (Silver plan) 10 Lakhs (Gold Plan) 50 Lakhs (Gold Plan) 1 Crore (Platinum Plan)
Premium Payable 8,950 15,400 23,100 29,200

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions that are not included under Health Guard plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Dental Treatment
  • Miscarriage, and abortion,
  • Congenital disease,
  • Infertility and in vitro fertilization
  • Obesity
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 24 Months
  • Pre-existing diseases after 36 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 Years to Lifelong

Other features & benefits

  • 3 variants available
  • Comprehensive coverage
  • Different family sizes covered

Bajaj General Health Guard: FAQs

The 8 most-asked questions about Bajaj General Health Guard, answered.

A comprehensive insurance policy that covers the treatment expenses incurred during hospitalisation resulting from serious illness or accident. The policy offers comprehensive benefits at an affordable price that suits all your needs.
20K per policy year incurred on an ambulance offered by a healthcare or ambulance service.
Convalescence is the name for the period of recovery from an illness or injury. Health Insurance providers do have provisions for your recuperating period, but due to lack of knowledge, many times this Convalescence Benefit goes unclaimed.
If a co-pay has opted voluntarily, an individual can avail of an additional 10% or 20% off on the policy premium.
Bajaj General offers a free look period to its customers. If you do not like the policy’s terms, you can cancel the policy within 15 days.
You can reach the customer care of Bajaj Health Guard Insurance by calling on this toll-free number 1800-209-5858.
Bajaj General Health Guard policy offers multiple sum insured options to its customers. Bajaj General Health Guard comes in a two-plan variant i.e. Bajaj General health guard gold plan, and Bajaj General health guard silver plan. The sum insured option offered under the silver plan is INR 1.5 Lakhs and INR 2 Lakhs and the Bajaj General health guard gold plan offered a sum insured option from 3 Lakhs to 50 Lakhs.
Policyholders are allowed to file as many claims in a year, but the total amount of claims must not exceed the sum insured amount under the plan.

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: 14 Oct 2024

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