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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

My Healthcare Plan – a truly modular plan that offers you the flexibility to curate an individual bouquet of features that you feel is best suited for you and your family.

Why Do We Recommend This?
  • Flexibility to design your plan
  • OPD benefit of 2X (twice the premium)
  • Sum insured options up to 5 Crore

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

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 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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Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Frequently Asked Questions

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: 19 May 2026 · Originally published: 14 Oct 2024

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