Health Insurance

Health insurance policies exclude pre-existing diseases unless you have served the waiting period. Other than that, a health plan also excludes issues arising from self-inflicted harm or substance abuse. Always read the policy wording for the full list of exclusions.

Yes, health insurance plans cover diagnostic tests such as X-rays, ultrasounds and MRIs. They are usually part of pre-hospitalisation expenses. 

Yes, outpatient department (OPD) coverage is available in health insurance plans. These include doctor consultations, minor procedures, preventive care and eye exams. 

Waiting period refers to the duration you have to serve before your health insurance starts to cover certain treatments and diseases. Examples of waiting periods include initial waiting period (usually 30 days), pre-existing disease waiting period (usually 36 months) and maternity waiting period (usually 3 years).  

Yes, health insurance policies from Bajaj General Insurance cover AYUSH treatments. AYUSH refers to Ayurveda, Yoga, Unani, Siddha, and Homoeopathy. 

Yes, health insurance policies cover conditions such as diabetes and hypertension. However, you have to serve a waiting period, and you must disclose these conditions to your insurer at the time of purchasing the policy.

OPD coverage in health insurance refers to medical expenses which do not require 24-hour hospitalisation. These could include doctor consultation, therapies such as chemotherapy and dialysis, and medicine costs. You can get twice the OPD benefits with our My Health Care Plan.

Cashless everywhere means you can access high-quality healthcare at any hospital, including the ones that are not part of our network. You have to notify us of the situation within 24 hours of hospitalisation or 48 hours for planned hospitalisation. We will coordinate with the hospital and settle your bills directly.

A cumulative bonus refers to a reward which insurance companies provide to policyholders who do not make a claim within the policy year. It is also known as a No Claim Bonus, and it lets you increase your coverage without paying an extra premium. 

Yes, you can cancel your health insurance policy any time you want. However, if you cancel it during the free look period, you can get a full refund. 

Yes, you can claim mediclaim in the first year. However, it is only possible when there is a sudden illness or accidental injury involved. In terms of pre-existing health conditions and routine treatments, you have to complete the waiting period before making a claim. 

There are two ways to make a claim under health insurance: cashless and reimbursement. For a cashless claim, you notify the insurer within 24 hours of hospitalisation at a network hospital. The insurer takes care of the bills directly. For a reimbursement claim, you pay the bills upfront at the hospital, and after discharge, submit original copies of the hospital bills, discharge summaries, etc. 

Yes, you can claim 100% medical insurance, but it depends strictly on the policy type, sublimits, deductibles and copayments. Usually, medical insurance coverage includes hospitalisation and treatment expenses up to the sum insured amount. The remaining amount is paid out-of-pocket by the policyholder.

Yes, if you have comprehensive health insurance coverage, you can claim for outpatient doctor consultations, medicines, diagnostic tests, and daycare procedures without hospitalisation.  

No Claim Bonus (NCB) in health insurance refers to the reward points your insurer provides at the time of policy renewal for not filing any claims during a policy year. It could be in the form of a premium discount or increased coverage.  

While filing a reimbursement claim under health insurance, you need to attach policy documents, original hospital bills, payment receipts, discharge summary, relevant medical reports and prescriptions. For cashless claim, you need to show your health insurance card at the insurance desk of a network hospital. 

Usually, a rejected health insurance claim means the insurer will not pay for the medical expenses. So, the insurer will send a detailed explanation for the claim denial. In this case, you have to bear the medical expenses. You can appeal after identifying the reasons behind the rejection.         

Factors affecting your health insurance premium include your age, sum insured, policy type, medical history, add-ons and lifestyle choices. 

There is no maximum limit to the number of claims you can make in a year as long as the sum insured amount is not exhausted. However, if your policy has a restoration benefit, then the sum insured gets replenished up to the maximum limit immediately.

Yes, you can renew your health insurance after 60 or 65 years of age. Most of the popular health insurance plans, such as Bajaj General, provide a lifelong renewability feature.  

If you have missed your health insurance policy renewal date, check the grace period the insurer offers. It usually varies from one insurer to another between 7 and 30 days. You need to renew your policy within that grace period to ensure uninterrupted policy coverage.  

Renewing your policy during the grace period leaves you financially vulnerable since, if a medical emergency arises during this time, you will not be able to make a claim. Therefore, renew your policy on time to avoid such scenarios. 

Yes, you can enjoy a no-claim bonus discount upon policy renewal. Not only that, depending on your insurer, you can also avail wellness discounts, loyalty discounts and multi-year discounts. 

Yes, a health insurance policy may expire if it is not renewed on time. That is why insurance experts highly recommend renewing your policy within the specified time period. Even if you miss the renewal date, make sure to renew your plan within the grace period to avoid a policy lapse.   

If you miss the policy renewal date, check the grace period your insurer offers. Usually, for most insurers, it ranges between 7 and 30 days. If you renew your policy within the grace period, you continue to get uninterrupted coverage.

Yes, most insurers allow their policyholders to increase their base sum insured amount, or choose a relevant rider during renewal. This is beneficial since it gives you the opportunity to update your policy coverage as per your personal needs.  

Yes, most of the health insurance providers in India offer a 7 to 30-day grace period for health insurance renewal. When you miss out on renewing your policy on time, the grace period gives you a chance to retain policy coverage, including the accumulated benefits and waiting periods.

Yes, you can transfer or port your health insurance policy without losing renewal benefits. This enables you to safeguard your no-claim bonus and waiting period credits. 

Yes, you get a no-claim bonus for claim-free years, which will either reduce your premium or increase coverage. Furthermore, you can avail wellness discounts that reward a healthy lifestyle and special loyalty benefits.