Health Insurance
Key Features
An All-rounder GST Free Health Cover to Guard Your Family
Coverage Highlights
Get comprehensive coverage for your healthChoose from Best of Plans
Choose from multiple plans to meet your requirements
Wide Sum Insured Options
Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore
Unlimited Reinstatement Benefit & Recharge
Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
Preventive Health Check-Up
Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan
Online Discount
Get flat 5% discount when you buy a policy on our website or our Bajaj General App
Zone Discount
Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live
Fitness Discount & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?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
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
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
AYUSH Hospitalization cost
Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
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
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
Cumulative Bonus
Sum Insured automatically increases at renewal by opted percentage if there is no claim in expiring period
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
Note
Please read policy wording for detailed terms and conditions
Exclusions
What’s not covered?Initial Waiting Period
Treatment expenses during the first 30 days except for treatment of accidental injuries
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
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
Maternity Expenses
Treatment expenses related to maternity are excluded until 72 months from date of your first Health Guard Policy
Expenses for Medical Investigation & Evaluation
Medical expenses primarily for diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment
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
Cosmetic Surgery Expenses
Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns
Treatment for Self-Inflicted Acts
Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.
Deductibles & Co-pays
Part of the claim will be borne by you if you have opted for deductibles or co-pay
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?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
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
Health Prime Rider
Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & nutrition consultations as per the chosen plan
Respect Rider (Senior Care)
Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service
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
More Add-Ons
Explore more add-ons to enhance coverage
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.
Compare Insurance Plans Made for You
| Plans |
Health Guard Silver |
Health Guard Gold |
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 |
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.
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.
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Step-by-Step Guide
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
2
Submit all the required documents
3
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
Here is a detailed step-by-step guide to follow for easy calculation of your biological age:
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.
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.
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.
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.
Schedule your visit for personalised solutions and guidance that you can trust!
The major benefits of calculating your body age with the bio age calculator include:
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.
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.
Through a bio age calculator or a free biological age calculator, you can estimate the effect of various habits on your long-term 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.
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.
Watching your body grow old with time motivates you to exercise more and live a healthy life.
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:
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.
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.
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.
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.
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.
Sleeping well helps in hormonal balance and cell repair.
Mindful breathing, meditation, and yoga reduce the amount of cortisol, which otherwise increases the biological ageing process.
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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Yes, your body age can be reduced significantly through proper exercise, an improved diet, sleep patterns, and quitting smoking.
Doctors suggest checking your body age every 1-2 months for easy tracking of changes, depending on lifestyle habits and fitness goals.
A basic health calculator requires your weight, height, and lifestyle information. Whereas the advanced calculators consider only the body fat analysis and fitness tests.
Your body age appears older than your actual age due to factors such as inactivity, poor sleep, stress, and unhealthy eating habits.
There is a slight difference between body age and metabolic age. Metabolic age focuses solely on metabolism, whereas body age considers several other factors.
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.
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.
Request a physical copy from the insurer or take a printout of the digital policy document received via email.
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
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.
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
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.
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.
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.
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
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.
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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