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Bajaj General HERizon Care

Bajaj General HERizon Care is a groundbreaking policy that addresses t ...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 HERizon Care

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

This plan allows HER to be in HERizon!

Bajaj General HERizon Care is a groundbreaking policy that addresses the holistic health and wellness of women. First of its kind of health plan which includes comprehensive coverage under three specific verticals including Vita Shield for critical illness, Cradle Care for surrogacy or oocyte donors and Optional Cover for surgeries and egg freezing methods. This plan extends its coverage for legal expenses for sexual assault, kidnapping, and acid attacks: the first of its kind in India!

Know more about this plan here.

Plan at a glance

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

Entry age
Adult 18 – 80 years, Child Day 90 to 35 years
Plan type
Individual
Sum insured options
₹3 L, ₹10 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3/4/5 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

  • Surrogacy support
  • Oocyte donor cover
  • Nurture nest

Cons

  • Waiting period
  • Diagnostic tests not included
  • Non-medical items

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 Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

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

Family & special care

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

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

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

Discounts

  • Preventive health discount- 5%
  • Family discount- 10% to 15%
  • Early entry discount- 5%
  • Loyalty discount- 5%
  • Long-term policy discount- 4% to 11%
  • Employee discount- 20%
  • Online or direct business discount- 10% 

Inclusions & exclusions

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

Inclusions

  • Vita Shield Under Vita Shield, the plan offers protection against 34 different listed critical illnesses. Additionally. You can enhance with the optional extensions to further support including, Child Education To secure the education of your children in case you are diagnosed with any critical illness.
  • Loss of Job To mitigate financial stability caused due to employment loss in such cases of critical illness.
  • Incidental Expenses It offers financial assistance for necessary medical expenses like reconstructive surgery, physiotherapy, home nursing, post-surgical implants and much more.
  • Holistic Wellness This plan also takes care of your mental well-being and provides access to resources like community support, diet, and nutrition consultations.
  • Cradle Care Under Cradle Care, this plan supports women through their unique reproductive health journeys. It includes surrogate care, oocyte donors, etc. Here is a range of optional covers including, Nurture Nest Cover For women aged between 21 to 45 years who want to opt for adoption or egg-freezing procedures.
  • Motherhood Cover Provides financial support for assisted reproductive technologies like IVF, ICSI, ZIFT, and much more. It also takes care of maternity expenses, including pre and postnatal care.
  • Fetal Flourish Cover Provides health support for unborn babies, covering prenatal techniques, in-utero surgeries, and congenital disability treatment. A daily allowance is available for the new mother who just gave birth to the baby.
  • Prophylactic Surgeries Procedures like mastectomy and hysterectomy are covered under this plan. Also, legal expenses support aid in case of assault, kidnapping, and acid attacks are covered under this plan.

Exclusions

  • Permanent diseases or health conditions that are not included under Bajaj General Extra Care Plus Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Obesity and weight control treatment
  • Congenital disease
  • Treatment for Alcoholism, drug or substance abuse
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Nurture Nest after 24 Months
  • Prophylactic Surgeries after 24 Months
  • Motherhood Cover after 24 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: - 90 days
  • Max entry age: - 80 years
  • SI: - INR 3 L to 2 Cr
  • Waiting Period: - 30 days

Other features & benefits

Conclusion

The Bajaj General HERizon plan presents a compelling option for women who are looking for comprehensive health coverage tailored to their specific needs. Its strengths lie in its inclusive coverage for women-specific critical illnesses, maternity benefits including modern treatments like surrogacy and ART, and the flexibility to customize the plan with optional covers. The potential for premium discounts for healthy lifestyles adds further value. However, before buying the plan, you should consider the terms and conditions of the plan. Ultimately, a well-informed decision, based on a comprehensive understanding of both the advantages and limitations, will ensure that the HERizon plan serves its intended purpose of providing robust financial security and peace of mind.

To know more about this plan, or to understand the terms and conditions you can ask experts at PolicyX.com. We aim to help you in buying the best health insurance plan for you.

Bajaj General HERizon Care: FAQs

The 6 most-asked questions about Bajaj General HERizon Care, answered.

It’s a health insurance policy designed specifically for women, offering coverage for various health needs, including critical illnesses specific to women, maternity expenses, and other related medical costs.
Women aged between 18 and 65 years are eligible to purchase this plan.
Yes, you can buy this plan for your mother or sister, provided they fall within the eligible age group.
The plan covers a range of critical illnesses specific to women, such as breast cancer, ovarian cancer, and others. Refer to the policy document for the complete list.
Yes, there is a waiting period for maternity benefits. Typically, it’s around 9 months, but it’s essential to confirm the exact waiting period in the policy document.
You can file a claim by contacting Bajaj Allianz customer care or through their online portal. The claim process and required documents are usually outlined in the policy document.

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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: 13 Feb 2025 · Originally published: 13 Feb 2025

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