25 Lakh Health Insurance Plan

Do you know that a 25 lakh health insurance plan offers significant financial protection for your medical expenses and hospitalisation?

With features such as cashless hospitalisation, along with pre and post-hospitalisation benefits, you not only have a financial safety net but also peace of mind that helps you from draining your savings during unforeseen medical emergencies.

Do not worry! Because we have got you covered here. Continue reading this page to understand what a ₹25 lakh health insurance premium plan means and what the steps are to file a claim. 

A ₹25 lakh health insurance plan is a financial safety net that provides coverage in the event of high healthcare costs. It covers you from the expenses such as critical illnesses, hospitalisations, and any other emergencies. 

This plan secures your family’s future against the rising healthcare costs and prevents large out-of-pocket expenses during major medical needs.

The reasons why the ₹25 lakh health insurance premium is suitable at present are that

1. You get comprehensive medical coverage.

2. It protects your savings from unexpected medical events. 

3. You get access to better medical treatment from your preferred network hospitals. 

4. Include your family members' family floater plan and cover multiple family members under one plan. 

5. Enables cashless facilities at network hospitals.

Why Choose a 25 Lakh Sum Insured?

You might wonder why you should choose a ₹25 lakh sum insured in your health insurance plan?

It is because choosing a ₹25 lakh sum insured provides you a balance of both affordability and comprehensive protection that is ideal for covering the high medical costs.  According to data provided by Financial Express, in 2025, India saw a 13% increase in medical bills, which is 10% higher than in other parts of the world.  Thus, to safeguard yourself from the rising medical bills, a comprehensive health insurance plan with ₹25 lakh sum insured is not a choice, but rather a necessity.

Extensive Coverage

A ₹25 lakh health insurance premium offers extensive coverage. It protects you against high medical costs, including cancer, critical illnesses, and extensive hospital stays. At Bajaj General Insurance, with a ₹25 lakh health insurance premium, you will also get benefits related to AYUSH treatment and  OPD care.

Financial Protection

Imagine suddenly, one medical event drains all your life-long savings. You would not want to let that happen, right? Here is why a health insurance with a maximum sum insured offers you financial protection against such scenarios. It lets you take care of your family instead of gathering funds to pay the bills. 

Cashless Hospitalisation

One of the topmost advantages of this plan is that it offers cashless hospitalisation at network hospitals. Cashless hospitalisation means you will not have to make any upfront payments because we will settle the bill directly with the hospital.

Pre and Post Hospitalisation Expenses

At Bajaj General Insurance, we give you the benefit of pre-and post-hospitalisation expenses cover. Meaning, we will cover the expenses incurred 5 days before hospitalisation and expenses incurred 30 days after the discharge. 

AYUSH Hospitalisation Treatment

As per IRDI guidelines at Bajaj General Insurance, with the health insurance plan, you get the benefit of AYUSH hospitalisation treatment coverage. This can be found in the inclusions or in add-ons.

No Claim Bonus

If you have not filed any claims during the policy year, then you are eligible for a no-claim bonus. With this feature, you will get an offer in your premium.

These are some of the benefits or key features that come along with the ₹25 lakh health insurance premium. Consider Bajaj General Insurance today and start your journey with the best health insurance policy, and get to experience all the listed benefits. 

What is Included Under a 25 Lakh Health Insurance Plan?

The inclusions include

1. You will get coverage for ICU charges as well as for inpatient hospitalisation.

2. Get the benefits of pre- and post-hospitalisation. 

3. You will be indemnified against any daycare treatments and surgeries.

4. Hospital daily cash allowance if you are admitted for more than 24 hours.

5. Get coverage for ambulance charges and organ donation. 

What is Excluded Under a ₹25 Lakh Health Insurance Plan?

The exclusions under this health plan are:

1. You cannot claim for pre-diseased treatment during the waiting period. 

2. Any kind of cosmetic surgery untill and unless it is needed medically.

3. If you have caused any injury to yourself due to self-harm or while under the influence of intoxication.

4. Unspecified dental or eye treatment.

5. If you have made any claims during your policy lapse or in the grace period. 

How to Choose the Best 25 Lakhs Health Insurance Premium?

Always evaluate these factors before investing in any health insurance plans. These are some of the most common factors that ensure you are opting for the right insurance for you and your family. 

Evaluate the Scope of Coverage

Always evaluate the scope of coverage. This is essential if you are living in a Tier 1 city. Always evaluate and choose a high amount of coverage that will cover your family members. 

Assess the Network Hospitals

Check the network of hospitals associated with the insurance company to get access to quality healthcare facilities.  Bajaj General Insurance has a wide range of network hospitals for you to get quality care and treatment. 

Add-on Covers

People often forget to read through the additional coverages. You do not make that mistake. Reading the additional coverage will help you understand how you can enhance your existing plan to get extra benefits. 

Customer Reviews

Reading the customer reviews is also an essential part that you need to consider before purchasing health insurance online. Assess and evaluate their availability, their CSR, and customer service.

Who Should Consider a 25 Lakh Health Insurance Plan?

1. Young Families: It covers all the family members under one plan. Covers financial protections for children’s illnesses and routine care under this plan. 

2. People living in Tier 1 or Urban Cities: Provides a necessary safety for the expensive treatments, ICU and surgeries.

3. Individuals with Critical Health Risks: If you are someone with critical health risks, then this plan is evidently for you.

4. Senior Citizens: Ageing comes with various health hazards. Senior citizens can be protected against health-related risks with this plan.

5. If you want more than basic coverage: If you want to enhance safety in your coverage, then a ₹25 lakh health insurance is for you.

Keep these documents handy while buying a ₹25 lakh health insurance plan

1. You need to carry your identity proofs, such as an Aadhaar card, a PAN card, and a voter ID. 

2. Carry your birth certificate, passport if applicable, and 10th or 12th grade marksheets.

3. Keep your address proofs with you, such as utility bills, rental agreement,  Aadhaar card, voter card, or Form 16 for verification.

4. Proof of your medical history, including previous health records, diagnostic reports, and a doctor’s certificate. 

5. Passport-sized photos. 

With these simple steps, you can easily file a claim for a 25 lakh health insurance plan.

Step 1: Download the Bajaj General App and inform the customer service of the Bajaj General Insurance about the claim.

Step 2: Provide all the necessary documents shown on the page.

Step 3: The insurer will now review your documents. 

Step 4: Upon successful verification, the claim will be verified, and you will receive the settlement amount. 

Selecting the correct health insurance provider is not only important to choose the right coverage, but it is also important to be secure during unforeseen events. With Bajaj General Insurance, you get a ₹25 lakh insurance premium that has been designed only for you. 

Here you will get benefits such as

1. Affordable premium options that are made to suit different age groups, health needs and families. 

2. You get access to quality treatment at a wide array of network hospitals across India. Your bills get paid directly by the insurer.

3. Our customer-centric approach ensures you get the assistance whenever you are in need. 

4. From cashless hospitalisation to AYUSH treatment, we have got you covered for everything.

5. With a strong legacy, Bajaj General Insurance is a choice for all. We protect you not only by providing general insurance, but also with customer support and peace of mind.