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    Health Insurance

    Body Age Calculator

    HealthGuard

    Key Features

    An All-rounder GST Free Health Cover to Guard Your Family

    Coverage Highlights

    Get comprehensive coverage for your health
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    • Choose from Best of Plans

    Choose from multiple plans to meet your requirements

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    • Wide Sum Insured Options

    Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore

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    • Unlimited Reinstatement Benefit & Recharge

    Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims

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    • Maternity & Newborn Care

    Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans

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    • Preventive Health Check-Up

    Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan

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    • Online Discount

    Get flat 5% discount when you buy a policy on our website or our Bajaj General App

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    • Zone Discount

    Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live

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    • Fitness Discount & Wellness Discount

    Avail up to 12.5% wellness discount for healthy habits on renewal

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    • Note

    Please read policy wording for detailed terms and conditions

    Inclusions

    What’s covered?
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    • Hospitalisation & Day Care Expenses

    Coverage for the cost of in-patient hospitalisation (including room rent type choices), all types of day care procedures, and surgeries

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    • Pre & Post-Hospitalisation Expenses

    Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) are covered as per policy terms

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    • Organ Donor Expenses

    Medical expenses for an organ donor’s in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ

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    • AYUSH Hospitalization cost

    Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury

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    • Maternity & Newborn Care

    Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans

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    • Sum Insured Reinstatement

    Exhausted sum insured exhausted or SI will be reinstated so that you can avail full coverage for your next claim in a policy year (as per policy terms) if needed

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    • Recharge (For SI 5 Lacs Onwards)

    If an unfortunate claim exhausts Sum Insured limit, the then additional amount of 20% Sum Insured (up to 25 INR lacs) will be available

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    • Cumulative Bonus

    Sum Insured automatically increases at renewal by opted percentage if there is no claim in expiring period

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    • Floater & Individual Sum Insured

    Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan

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    • Note

    Please read policy wording for detailed terms and conditions

    Exclusions

    What’s not covered?
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    • Initial Waiting Period

    Treatment expenses during the first 30 days except for treatment of accidental injuries

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    • Pre-Existing Diseases

    Treatment expenses for pre-existing diseases such as diabetes, asthma, thyroid and other PED, are excluded until 36 months from date of your first Health Guard Policy

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    • Specific Illness Treatment

    Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded until 24 months from date of your first Health Guard Policy

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    • Maternity Expenses

    Treatment expenses related to maternity are excluded until 72 months from date of your first Health Guard Policy

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    • Expenses for Medical Investigation & Evaluation

    Medical expenses primarily for diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

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    • Dietary Supplements & Substances

    Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances

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    • Cosmetic Surgery Expenses

    Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

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    • Treatment for Self-Inflicted Acts

    Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.

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    • Deductibles & Co-pays

    Part of the claim will be borne by you if you have opted for deductibles or co-pay

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    • Note

    Please read policy wording for detailed exclusions

    Additional Covers

    What else can you get?
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    • Air Ambulance Cover (Available for SI 5 Lacs & Above)

    Covers expenses incurred for rapid ambulance transportation to the nearest hospital in an airplane or helicopter from the first incident site of illness or accident during policy period

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    • Voluntary Aggregate Deductible

    Covers medical expenses for in-patient hospitalisation beyond the voluntary aggregate deductible limit (INR 50,000/ INR 1,00,000/ INR 2,00,000/ INR 3,00,000) as opted as per policy terms for in-patient hospitalisation treatment

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    • Health Prime Rider

    Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & nutrition consultations as per the chosen plan

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    • Respect Rider (Senior Care)

    Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service

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    • Room Capping Waiver

    Removes the room type restriction of "up to single private air-conditioned room" for Health Guard Gold and Platinum plans and provides coverage for actual room rent expenses without a limit

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    • More Add-Ons

    Explore more add-ons to enhance coverage

    Benefits You Deserve

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    Wide coverage

    Choose your coverage as per your requirement

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    Wellness Discount

    Stay fit during the policy year and enjoy 12.5% discount on renewal

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    Reinstatement Benefits

    Unlimited reinstatement of the sum insured upto 100% SI after its depletion

    Body Age Calculator – Find Your Real Biological Age Instantly

    Age is just a number, but your body age tells the actual story. A body age calculator or biological age calculator helps find your actual body age, considering lifestyle, fitness levels, heart health, and metabolism. With accurate use of this calculator, you can test your biological age instantly and analyse factors affecting your wellness.

    This smart tool is similar to a health insurance calculator, which allows you to calculate health risks early. Whether you are checking biological age for long-term health planning or achieving fitness goals, knowing your body age is crucial for smart health decisions. 

    At-A-Glance

    Compare Insurance Plans Made for You

    Plans
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    Health Guard Silver

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    Health Guard Gold

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    Health Guard Platinum

    Hospital & Day Care SI INR 1.5/ 2 Lacs INR 3 Lacs to INR 50 Lacs INR 5 Lacs to INR 1 Cr.
    Room Limits Up to 1% of SI per day and ICU at actuals Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals
    Pre- & Post-Hospitalisation Pre: 60 days & Post: 90 days Pre: 60 days & Post: 90 days Pre: 60 days & Post: 90 days
    Organ Donor, AYUSH, Modern Treatments Up to sum insured Up to sum insured Up to sum insured
    Road Ambulance INR 20,000/policy year INR 20,000/policy year INR 20,000/policy year
    Preventive Check-Up 1% of SI (max up to 2,000) once in 3 years 1% of SI (max up to 5,000) once in 3 years 1% of SI (max up to 5,000) once in 2 years
    Maternity & Newborn Care Not covered As per limits specified As per limits specified
    Convalescence Benefit INR 5,000/policy year INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above
    Sum Insured Reinstatement 100% of the base sum insured 100% of the base sum insured 100% of the base sum insured
    Wellness Discount Up to 12.5% wellness discount for healthy habits on renewal Up to 12.5% wellness discount for healthy habits on renewal Up to 12.5% wellness discount for healthy habits on renewal
    More Covers See Policy documents for more details

    What is a Body Age Calculator?

    A body age calculator is an online, simple-to-use tool. This tool lets you calculate your age in terms of biological age instead of chronological age. Also, you can get an estimate of how quickly your body is ageing depending on your health and lifestyle choices. For accurate results, enter your BMI, fitness level, sleep quality, heart health, and other habits such as smoking or alcohol use.

    For a further simple evaluation, many platforms provide a free biological age calculator or bio age calculator. These tools detect risks in long-term health planning, just as a health insurance calculator evaluates financial risks, for conditions such as heart disease.

    Thus, if you are looking to test biological age, use the biological age calculator for evaluation of overall wellness. 

    How does a Body Age Calculator Work?

    Understanding how a biological age calculator works can help you see how your lifestyle influences your body’s true age beyond your actual years. This tool evaluates a mix of physical, cardiovascular, and lifestyle factors to estimate your biological ageing pace.

    Here is how the bio age calculator works:

    Physical Measurements: It reviews height, weight, BMI, waist circumference, and body fat percentage, key indicators that affect metabolic ageing.

    Cardiovascular Health: Many tools also assess resting heart rate and aerobic capacity to understand heart strength and overall endurance.

    Lifestyle Habits: Sleep patterns, daily activity, diet, stress, smoking, and alcohol consumption are considered because they accelerate or slow down cellular ageing.

    Data Comparison: After entering your details, the bio age calculator compares them with population health standards to reveal your biological age.

    Health Planning: With this insight, you can address risks early and choose the right health insurance plan for long-term well-being and financial protection.

    Expand Your Coverage Today!

    Respect Rider (Senior Care)

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    Emergency assistance for senior citizens

    Designed specifically for senior citizens

    Starting from

    INR 907 + GST

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    Health Prime Rider

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    Tele, In-Clinic Doctor Consultation and Investigation

    Dental, Nutrition and Emotional Wellness

    Starting from

    INR 298 + GST

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    Non-Medical Expenses

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    Covers non-medical items

    Items not typically covered in standard insurance plans

    Starting from

    8% of Premium

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    Waiver of Room Capping

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    Removes single room type restriction*

    Covers actual room rent expenses without a cap

    Starting from

    2% of Premium

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    Health Companion

    Healthassessment

    Track, Manage & Thrive with Your All-In-One Health Companion

    From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights

    Healthmanager

    Take Charge of Your Health & Earn Rewards–Start Today!

    Be proactive about your health–set goals, track progress, and get discounts!

    Healthassetment

    Your Personalised Health Journey Starts Here

    Discover a health plan tailored just for you–get insights and achieve your wellness goals

    Healthmanager

    Your Endurance, Seamlessly Connected

    Experience integrated health management with us by connecting all aspects of your health in one place

    Download Policy Documents

    Get instant access to policy details with a single click

    Step-by-Step Guide

    To guide you through your insurance journey.

    How to Buy

    • 1

      Visit Bajaj General website

    • 2

      Enter personal details

    • 3

      Compare health insurance plans

    • 4

      Select suitable coverage

    • 5

      Check discounts & offers

    • 6

      Add optional benefits

    • 7

      Proceed to secure payment

    • 8

      Receive instant policy confirmation

    How to Renew

    • 1

      Login to the app

    • 2

      Enter your current policy details

    • 3

      Review and update coverage if required

    • 4

      Check for renewal offers

    • 5

      Add or remove riders

    • 6

      Confirm details and proceed

    • 7

      Complete renewal payment online

    • 8

      Receive instant confirmation for your policy renewal

    How to Claim

    • 1

      Notify Bajaj General about the claim using app

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      Submit all the required documents

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      Choose cashless or reimbursement mode for your claim

    • 4

      Avail treatment and share required bills

    • 5

      Receive claim settlement after approval

    How to Port

    • 1

      Check eligibility for porting

    • 2

      Compare new policy benefits

    • 3

      Apply before your current policy expires

    • 4

      Provide details of your existing policy

    • 5

      Undergo risk assessment by Bajaj General

    • 6

      Receive approval from Bajaj General

    • 7

      Pay the premium for your new policy

    • 8

      Receive policy documents & coverage details

    Step-by-Step Method to Calculate Your Biological Age

    Here is a detailed step-by-step guide to follow for easy calculation of your biological age:

    Step 1: Choose the Method

    To yield the most accurate result, choose a DNA methylation test or a phenotypic age calculator with recent blood test results. However, for quick estimation, opt for an online self-assessment or a physical functioning test.

    Step 2: Collect Data

    To follow lab-based methods, get your recent results of a blood test or a DNA sample (as the test requires). However, for self-assessment, you need to answer questions relating to your health, lifestyle habits, and also conduct simple physical tests.

    Step 3: Use the Calculator

    Use the online biological age calculator and enter your data for accurate results. However, for epigenetic tests, follow the instructions of the provider and submit your sample.

    Step 4: Result Interpretation

    Make a thorough comparison of your biological age with your chronological age. A low biological age means healthy ageing, whereas a high biological age indicates bringing lifestyle improvement. 

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    What are the Benefits of Calculating Your Body Age?

    The major benefits of calculating your body age with the bio age calculator include:

    Easy Detection of Health Risks

    An older body age can be an indicator of premature risk factors associated with heart disease, diabetes, inflammation, or metabolic syndrome. This helps you further take preventive actions.

    Enhance Lifestyle Changes

    Knowing your biological age encourages you to make positive changes in your lifestyle. This includes sleeping better, eating better, and doing physical activities. Bringing these changes not only slows down your ageing but also lets you enjoy it.

    Tracks Fitness and Wellness

    Through a bio age calculator or a free biological age calculator, you can estimate the effect of various habits on your long-term health.

    Offers Personalised Insights on Health

    In comparison to chronological age, the biological age represents your individual metabolic rate, exercise habits, and the effectiveness of cardiovascular functioning. These results, however, vary from one individual to another.

    Supports long-term Planning

    Knowing the age of your body, you can make smart decisions. Similarly how the use of the health insurance calculator of Bajaj General Insurance lets you analyse medical and financial risks and make well-informed decisions.

    Boosts Motivation

    Watching your body grow old with time motivates you to exercise more and live a healthy life.

    Factors Affecting Your Body Age

    Factors such as stress, fitness level, metabolism, heart health, and dietary habits affect your biological ageing. For proper financial planning and long-term planning, understanding these factors is crucial. Just like how a health insurance calculator helps in the easy assessment of medical risks.

    Here are the factors to consider affecting your biological age and overall ageing:

    Physical and Metabolic Factors

    1. Body Mass Index (BMI): As BMI increases, the rate of ageing accelerates, and it also increases the risk of disease.

    2. Percentage of Body Fat: Visceral fat in excess increases metabolic ageing.

    3. Muscle Mass: A healthy body increases the rate of metabolism and reduces ageing.

    Lifestyle Related Factors

    1. Duration of Sleep: Poor sleep increases hormonal imbalance and the signs of body ageing.

    2. Diet Type: Foods rich in nutrients slow inflammatory and oxidative stress. Thus, following the right diet type is crucial.

    3. Stress: Chronic stress releases cortisol, which causes early ageing of the body.

    4. Smoking and Alcohol Consumption: Regular smoking and intake of alcohol shorten lifespan and also raise your body age.

    Environmental and Genetic Factors

    1. Family Medical History: Affects the level of metabolic rate and susceptibility to illness.

    2. Exposure to Environment: Environmental pollution or toxins can accelerate ageing. Individuals exposed to this environment should opt for health insurance for heart patients to safeguard themselves in the long run.

    A proper understanding of these factors lets you test your biological age using the calculator.

    How Can You Reduce Your Body Age?

    Do Physical Exercise

    Combine strength activities and aerobic activities. It is proven that even the 150 minutes spent per week help in boosting metabolism and slowing down the signs of ageing.

    Improve Diet

    Eat whole grains, vegetables, low-fat protein, and healthy fat-containing foods. By lowering the intake of sugar and processed food, you can control inflammation.

    Improve Sleep Quality

    Sleeping well helps in hormonal balance and cell repair.

    Easy Managing Stress

    Mindful breathing, meditation, and yoga reduce the amount of cortisol, which otherwise increases the biological ageing process.

    Quit Smoking and Limit Alcohol

    Quitting smoking and limiting the consumption of alcohol increases oxidative stress and tissue damage, thereby increasing your body's age.

    Thus, regular use of a free online biological age calculator helps to test biological age, track progress, and maintain a healthy lifestyle over time.

    For long-term well-being, make sure you choose the right health insurance policy from trusted providers like Bajaj General Insurance. A suitable plan offers financial protection, timely medical support, and peace of mind during unexpected health situations.

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    What Our Customers Say

    Highly satisfied

    Clear policies, easy renewal, and great coverage options. Highly satisfied with this health insurance app.

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    Piyush Kumar

    Mumbai

    5

    17th Mar 2025

    Highly recommend!

    Managing my health, vehicle & cyber insurance is so simple with this app. Highly recommend!

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    Pooja Kaushik

    Vadodara

    5

    2nd Feb 2025

    Simple, fast & effective!

    A reliable health insurance app with all features in one place—simple, fast & effective!

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    Hrithik Mishra

    Delhi

    5

    31st Jan 2025

    Love this app!

    Managing my family’s health insurance has never been this convenient. Love this app!

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    Shagun Gupta

    Mumbai

    4.8

    31st Jan 2025

    Reliable & affordable

    Reliable & affordable medical insurance plan—gives complete health security for my family.

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    Shubham Singh

    Delhi

    5

    30th Jan 2025

    Financial convenience

    Medical crises are stressful, but financial convenience is guaranteed by this health plan

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    Pushpendra Gurjar

    Mumbai

    5

    30th Jan 2025

    Great coverage options too!

    Finding pregnancy health insurance was stress-free on Bajaj General app. Great coverage options too!

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    Rajesh Kumar

    Mumbai

    5

    24th Jan 2025

    User-friendly and efficient!

    Securing my family's health with Bajaj General has been hassle-free. Their app is user-friendly and efficient!

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    FAQ's

    Is it possible to reduce body age?

    Yes, your body age can be reduced significantly through proper exercise, an improved diet, sleep patterns, and quitting smoking. 

    How often is it necessary to check my body age?

    Doctors suggest checking your body age every 1-2 months for easy tracking of changes, depending on lifestyle habits and fitness goals. 

    Is there any special equipment to calculate my body age?

    A basic health calculator requires your weight, height, and lifestyle information. Whereas the advanced calculators consider only the body fat analysis and fitness tests. 

    Why does my body age appear older than my actual age?

    Your body age appears older than your actual age due to factors such as inactivity, poor sleep, stress, and unhealthy eating habits. 

    Are body age and metabolism the same?

    There is a slight difference between body age and metabolic age. Metabolic age focuses solely on metabolism, whereas body age considers several other factors. 

    What are the good habits to follow to improve my biological age?

    The good habits to follow for improving my biological age include: 1. Limiting intake of alcohol 2. Consuming healthy foods such as whole grains, green leafy vegetables and fruits, yoghurt, milk 3. Exercising regularly 4. Quit smoking.

    Why is medical insurance necessary for your health?

    Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.

    How many dependent members can I add to my family health insurance plans?

    You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.

    Why should you compare health insurance plans online?

    Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.

    Why should you never delay the health insurance premium?

    Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

    How to get a physical copy of your Bajaj General Insurance Limited?

    Request a physical copy from the insurer or take a printout of the digital policy document received via email.

    Is there a time limit to claim health cover plans?

    Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.

    What exactly are pre-existing conditions in an Individual Health Insurance?

    Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.

    How is the insurer going to pay my hospital bills?

    Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).

    Are there any tax advantages to purchasing Individual Health Insurance?

    Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).

    Why should I need Personal Medical Insurance?

    Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.

    How do I go about renewing health insurance plans?

    Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.

    How is the health insurance renewal premium calculated?

    We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.

    Can I renew my expired health insurance policy?

    Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj General, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo

    Can I renew health insurance online?

    Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.

    Will I be able to transfer my health insurance policy from another providers?

    Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.

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