Bajaj General My Health Care Plan: Check Benefits & Features
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Bajaj General My Health Care Plan

My Healthcare Plan – a truly modular plan that offers you the flexibil ...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 My Health Care Plan

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

Bajaj General My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insured individuals to curate the health insurance benefits and components suitable for their family's needs and requirements.

The USPs of My Health Care Plan by Bajaj General are

  • 2X OPD Benefit
  • SI Options up to 5 Crores
  • Inbuilt Baby Care Cover
  • 50% Cumulative Bonus
  • Inbuilt Maternity Cover, and more.

Bajaj General My Health Care Plan offers a wide range of sum insured options between 3 Lakhs to 5 Crores making the plan highly versatile, including multiple features and optional benefits. The plan is available as an individual and family floater plan and can be purchased for a policy term of up to 3 years.

To understand more about how the insurance plan fits your family's requirements read more. 

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
₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 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

  • High SI options
  • OPD cover
  • Cataract cover

Cons

  • No cover for gender change treatments
  • No cover for obesity treatments
  • Infertility cover not available

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 Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not 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 Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

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

Video reviews

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

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Bajaj General My Health Care Plan Benefits

The plan offers a plethora of benefits and features to the insured individual when purchasing the plan. We have listed below a few:

  • Loss of Income Cover

    If insured individuals are hospitalized for a minimum of 72 consecutive hours on the advice of a doctor because of any illness or accidental injury during the policy period then a weekly payment is paid to the insured individual as per the policy schedule.

  • International Emergency Coverage

    Insured individuals can avail emergency international coverage incurred for hospitalization outside of India, anywhere across the world for emergency care up to a specified amount as per the policy schedule. However, a mandatory co-payment of 10% will be applicable under this benefit.

  • Sum Insured Enhancement

    Bajaj General My Health Care Plan offers sum insured enhancement benefits at the time of renewal of the policy as per your needs and requirements.

  • Multiple Discounts

    Bajaj General Health Care Plan offers multiple discounts such as a 15% family discount, 8% long-term policy discount, 20% employee discount, 5% online discount, 5% loyalty discount, and wellness discounts.

  • Accident and Major Illnesses Cover

    In case an insured individual is hospitalized on the advice of a medical practitioner due to critical illnesses listed in the policy or due to accidental bodily injuries during the cover period, then the sum insured for such major illnesses or injuries would be increased maximum of up to 2 times of 'inpatient hospitalization treatment' sum insured.

In case an insured individual is hospitalized on the advice of a medical practitioner due to critical illnesses listed in the policy or due to accidental bodily injuries during the cover period, then the sum insured for such major illnesses or injuries would be increased maximum of up to 2 times of 'inpatient hospitalization treatment' sum insured.

Sample premium

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

Bajaj General My Health Care Health Sample Premium

For a better understanding of how much premium you need to pay under the My Health Care Insurance, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:

For 2 Adults

Sum Insured (Rs.) 5 L 10 L 20 L 30 L 50 L
Premium Payable 15,180  18,684   23,911 26,425  30,811

For 2A+1C

Sum Insured (Rs.) 5 L 10 L 20 L 30 L 50 L
Premium Payable 17,431  21,437  27,440  30,331  35,343

For 2A+2C

Sum Insured (Rs.) 5 L 10 L 20 L 30 L 50 L
Premium Payable  21,068  25,885 33,149    36,644 42,670

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions that are not included under the Bajaj my health care plan are:
  • Obesity and Weight Management
  • Cosmetic or Plastic Surgeries
  • Change of Gender Treatments
  • Sterility and Infertility Treatments
  • Certain diseases and treatments are covered under this plan after a certain 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 to 65 Years

Other features & benefits

Conclusion

Bajaj General My Health Care Plan is a versatile health plan offering 360-degree protection to customers. On purchasing the health plan you can opt to cover family members along with yourself.

With a plethora of benefits and features, it is an ideal healthcare plan for people who want a highly customizable plan.

With multiple optional covers like loss of income, international medical care, and major illness and accident coverage Bajaj General My health plan provides efficient protection for you and your loved ones.

Bajaj General My Health Care Plan: FAQs

The 9 most-asked questions about Bajaj General My Health Care Plan, answered.

The Bajaj My Health Care Plan has a standard waiting period of 30 days from the policy start date for most illnesses. However, this waiting period does not apply to claims arising due to accidents.
The Family Visit benefit covers travel expenses for an immediate family member to visit the insured during hospitalization, provided the hospitalization exceeds the minimum number of days specified in the policy.
Yes, certain treatments, room rent, or specific medical procedures may have sub-limits depending on the policy variant and sum insured selected by the policyholder.
The plan excludes certain treatments such as cosmetic procedures, dental treatments unless due to accident, infertility treatments, and self-inflicted injuries, along with conditions listed under policy exclusions.
The eligibility criteria for the Bajaj General My Health Care Plan are 18 to 65 years for adults, meanwhile, dependent children can be covered from 3 months to 30 years
The various sum insured options available under the My Health Care Plan by Bajaj General range between INR 3 Lakhs to 5 Crores
Yes, maternity coverage is available under the My Care Health Plan by Bajaj General.
Yes, all the premiums paid towards the Bajaj General My Health Care Plan are eligible for tax benefits as per the Income Tax Act of India.
There are various optional coverages offered by Bajaj General My Health Care Plan: Loss of Income Cover International Cover - Emergency Care Only Major Illness and Accident Multiplier

Conclusion

Bajaj General My Health Care Plan is a versatile health plan offering 360-degree protection to custo

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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: 29 Sep 2023 · Originally published: 14 Oct 2024

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