Bajaj General Star Package Plan For family
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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Star Package

Life is full of uncertainties and unexpected events. The death, injury ...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

About Bajaj General Star Package

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

Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medical emergencies. The plan provides coverage for various health risks, education grants, household content, baggage during travel, and public liability.

Under the Bajaj Allianz Star Package Policy, insured individuals have the option to opt from the 8 coverage sections provided below out of which a minimum 3 must be selected. 

The wide range of coverage provides financial security and flexibility to customize the health insurance plan as per your needs and requirements. With the health guard coverage insured individuals can avail of efficient medical care features like room rent, ICU expenses, wellness benefits, convalescence benefits, and 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
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹30 L, ₹50 L, ₹75 L, ₹2 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

  • Super cumulative bonus
  • Co-pay available
  • 8 benefit options

Cons

  • Domiciliary hospitalisation not covered
  • OPD coverage not available
  • Weight management treatments not covered

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 Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not 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 Not 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

Video reviews

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

Bajaj Health Insurance

Bajaj Health Insurance

This video explains Bajaj Health Insurance in detail.

Bajaj Allianz Star Package Policy Benefits

Bajaj Allianz Star Package Policy offers a multitude of benefits and features to insured individuals allowing them to avail the full potential of the respective plan. To know more about the benefits involved read below:

  • 8 Benefit Sections

    Under the Bajaj Star Package Insurance Policy, insured individuals can avail of 8 benefit sections spread across various aspects of financial protection. The plan offers 360-degree protection by providing coverage for medical care, education, travel, public liabilities, personal accidents, and more.

  • Critical Illness Benefit

    Bajaj Star Package Policy offers critical illness coverage Insurance to insured individuals. Critical illnesses covered under the plan are Heart attack, Open Chest CABG, Stroke, Cancer, Kidney Failure, Organ Transplant, Multiple Sclerosis, Neurosurgery, Joint Replacement, and more.

  • Personal Accident

    Bajaj Allianz Star Package covers personal accidents wherein, death due to accident, permanent total disability, permanent partial disability, and temporary total disability are all covered. This benefit safeguards you and your family in the face of medical adversity.

  • Education Grant

    In case of an accidental death or permanent total disability, the plan offers the sum insured would be payable to the dependent child of the insured individual. The sum insured would be used to continue the education of the dependent child.

  • Wellness Benefit

    Bajaj Allianz Star Package policy provides wellness program benefits within the health guard section of the plan. Insured policyholders are entitled to up to 10% health discounts and rewards on renewal considering they fulfill the tasks mentioned in the policy schedule.

Sample premium

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

Bajaj General Star Package Sample Premium

To better understand how much premium you need to pay under the Star Package, 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 1 Adult

Sum Insured (Rs.) 5 L 10 L 15 L 25 L 50 L
Premium Payable 8,900 10,350 11,550 13,100 15,550

For 2A+1C

Sum Insured (Rs.) 5 L 10 L 15 L 25 L 50 L
Premium Payable 14,250 16,600 18,450 20,950 24,850

For 2A+2C

Sum Insured (Rs.) 5 L 10 L 15 L 25 L 50 L
Premium Payable 17,750 20,650 23,000 26,050 30,950

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 Allianz Star Package are:
  • Obesity and weight management surgeries
  • Treatments due to substance abuse
  • Change of gender treatments
  • Sterility and infertility-related treatments
  • Cosmetic Surgeries
  • Coverage after Waiting Period
  • 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

  • Select from 8 plan options
  • Hospital Cash Daily Allowance
  • Up to INR 1 Crore SI 

Bajaj General Star Package: FAQs

The 3 most-asked questions about Bajaj General Star Package, answered.

The Bajaj Star Package offers 8 plan options.
The maximum sum insured offered is 1 crore.
You can opt this policy for 1, 2, and 3 years.

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: 18 Sep 2023 · Originally published: 14 Oct 2024

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