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    Health Insurance

    Cholesterol Ratio 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

    Cholesterol Ratio Calculator: Unlock Heart Health in Seconds

    Stop guessing, calculate your cholesterol ratio today and take control of your heart health in seconds! Want to know how? Use our online Cholesterol Ratio Calculator - just enter your total cholesterol level and HDL level, and get instant results.

    High cholesterol often doesn't cause symptoms, but it comes with serious health risks. So, if you are dealing with diabetes, obesity, or high blood pressure, it is important to calculate your cholesterol risk ratio.

    Want to learn more? Read out the blog and learn how to calculate your cholesterol levels, what the results mean, and how cholesterol ratios impact your lifestyle.

    What is Cholesterol?

    Cholesterol is a fat-like substance that is essential for producing hormones and building cells. It is found in the blood, carried by proteins. When these two combine, it becomes a lipoprotein.

    Our body uses cholesterol to make hormones, vitamin D, and substances that help with digestion.

    What to Understand about Cholesterol Ratios?

    Total Cholesterol: The Big Picture

    Total cholesterol combines good and bad cholesterol. This is just a mixed bag of overall cholesterol levels. This is why it is not the best predictor to specify heart disease risk.

    1. Desirable: Less than 200 mg/dL (optimal is actually under 150 mg/dL)

    2. Borderline High: 200-239 mg/dL

    3. High: 240 mg/dL and above

    HDL: The Good Cholesterol

    High-density lipoprotein transports cholesterol from cells and takes it to the liver for disposal or breakdown out of the body. It is like a waste removal service from the body. HDL is actually good cholesterol, and high levels of HDL are better for your heart health.

    1. High Risk: Below 40 mg/dL

    2. Borderline: 40-59 mg/dL

    3. Optimal: 60 mg/dL and above

    LDL: The Bad One

    Low-density lipoprotein is bad cholesterol that leads to serious heart disease. It delivers cholesterol directly to cells, but it can clog arterial walls and lead to major heart problems.

    1. Very High: 190 mg/dL and above

    2. High: 160-189 mg/dL

    3. Borderline High: 130-159 mg/dL

    4. Near Optimal: 100-129 mg/dL

    5. Optimal: Below 100 mg/dL

    Triglycerides: Energy Storage

    It stores energy from food. Triglycerides can lead to artery problems, increasing stroke and heart disease risk.

    1. Very High: 500 mg/dL and above

    2. High: 200-499 mg/dL

    3. Borderline High: 150-199 mg/dL

    4. Normal: Below 150 mg/dL

    To take control of your heart health, maintain cholesterol levels and consult doctors.

    Opt for Bajaj General critical health insurance plans to manage finances for heart health-related treatments, doctor consultations, and diagnostic tests. Health insurance plans from Bajaj General offer cashless hospitalisation and advanced treatments without any upfront payments.

    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

    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

    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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    Step-by-Step Guide

    To help you navigate your insurance journey

    How to Buy

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      Visit Bajaj General website

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      Enter personal details

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      Compare health insurance plans

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      Select suitable coverage

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      Check discounts & offers

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      Add optional benefits

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      Proceed to secure payment

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      Receive instant policy confirmation

    How to Renew

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      Login to the app

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      Enter your current policy details

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      Review and update coverage if required

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      Check for renewal offers

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      Add or remove riders

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      Confirm details and proceed

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      Complete renewal payment online

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      Receive instant confirmation for your policy renewal

    How to Claim

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      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

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      Avail treatment and share required bills

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      Receive claim settlement after approval

    How to Port

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      Check eligibility for porting

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      Compare new policy benefits

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      Apply before your current policy expires

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      Provide details of your existing policy

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      Undergo risk assessment by Bajaj General

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      Receive approval from Bajaj General

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      Pay the premium for your new policy

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      Receive policy documents & coverage details

    How to Calculate Cholesterol Ratios: Using the Cholesterol Ratio Calculation Formula?

    Calculating Total Cholesterol

    To get your total cholesterol (TC), you will need to know your HDL, LDL, and triglyceride levels.

    Formula of Total Cholesterol =

    “HDL in mg/dL + LDL in mg/dL + (Triglycerides in mg/dL x 0.2)”

    First, multiply the triglyceride level by 0.2, add the result to the LDL and HDL levels. This calculation gives you an overview of your cholesterol levels

    Suppose your HDL level is 50 mg/dL, the triglycerides are 150 mg/dL, and the LDL is 120 mg/dL.

    So, your total cholesterol level is = 50 + 120 + (150 × 0.2)

    = 200 mg/dL

    Assessing Heart Risk Using the Cholesterol Ratio Calculator

    To calculate cholesterol risk ratio, divide your total cholesterol by your HDL level.

    Cholesterol Ratio Calculation Formula =

    “TC in mg/dL ÷ HDL in mg/dL”

    1. Bad: 5.0 or higher (higher risk)

    2. Good: 3.5-5.0 (average risk)

    3. Ideal: Below 3.5 (lower risk)

    In this scenario, you can calculate your cholesterol risk ratio using the cholesterol ratio calculation formula.

    = 200 ÷ 50

    = 4.0, which shows an average risk of heart disease.

    LDL/HDL Ratio: Another Risk Indicator

    Measure your LDL and HDL levels to calculate chol HDL/LDL ratio. This is the crucial measure for determining heart risk.

    Cholesterol HDL Ratio Calculator Formula:

    “LDL in mg/dL ÷ HDL in mg/dL”

    1. Too High: 5.0 or higher (higher risk)

    2. Good: 2.0-5.0 (average risk)

    3. Ideal: Below 2.0 (lower risk)

    You can measure your LDL against HDL with this formula.

    = 120 ÷ 50

    = 2.4. This shows an average risk for heart disease.

    TG/HDL Ratio: Checking Triglyceride Impact

    Your triglyceride ratio also helps to determine your heart stroke risk.

    Triglyceride/HDL Ratio Calculation Formula =

    “TG in mg/dL ÷ HDL in mg/dL”

    1. Too High: 4.0 or higher (higher risk)

    2. High: 2.0-4.0 (increased risk)

    3. Ideal: 2.0 or below (lower risk)

    Spot your heart-stroke risk with this formula and the above measures.

    = 150 ÷ 50

    = 3.0, which shows a higher risk.

    These ratios help doctors determine the best treatment plan for heart health. Knowing your numbers can help you take control of your heart health.

    What are the Health Risks of Low and High Cholesterol Levels?

    Health Risk from High Cholesterol

    When LDL cholesterol and total cholesterol levels get too high, it can cause serious health problems.

    1. Atherosclerosis: Plaque builds up in your arteries, making it harder for blood to flow. This can lead to heart attacks and strokes.

    2. Heart Disease: High cholesterol is a major risk factor for coronary artery disease, which can be life-threatening.

    3. Peripheral Artery Disease: Narrowed arteries in your legs can cause pain and make it hard to move around.

    The Risks of Low Cholesterol

    On the other hand, having too little cholesterol can also be problematic.

    1. Hormonal Imbalances: Cholesterol is needed to produce certain hormones, so low levels can disrupt hormone production.

    2. Increased Stroke Risk: Some research suggests that very low cholesterol levels might increase the risk of a hemorrhagic stroke.

    3. Mental Health Concerns: Low cholesterol has been linked to depression and anxiety in some people.

    What are the Tips to Maintain a Healthy Cholesterol Level?

    Control of High Cholesterol

    Making lifestyle changes and considering medication can help manage high cholesterol.

    1. Eat Heart-Smart: Focus on whole foods like fruits, veggies, whole grains, and healthy fats. Cut back on saturated and trans fats.

    2. Get Moving: Regular exercise can boost your good cholesterol (HDL) and lower the bad kind (LDL).

    3. Slim Down: Reaching a healthy weight can make a big difference in your cholesterol numbers.

    4. Medications: Medicines commonly used to lower LDL cholesterol or reduce cholesterol absorption in your gut.

    Managing Low Cholesterol

    If your cholesterol is too low, dietary changes can help.

    1. Add Healthy Fats: Avocados, nuts, and olive oil are great additions to your diet.

    2. Omega-3s are a Plus: Fatty fish and other omega-3-rich foods can be beneficial.

    Life is unpredictable, and unexpected medical events can happen to anyone. Take control of your financial security and your loved ones' future by exploring health insurance plans from Bajaj General Insurance.

    Bajaj General's comprehensive plans cover major conditions like bypass surgery, heart attacks, and modern treatments like angioplasty, with cashless hospitalisation at network hospitals.

    Calculate your HDL/LDL ratios now with the Cholesterol Ratio Calculator before health insurance renewal and enjoy pre-existing disease coverage! 

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    FAQ's

    What causes high cholesterol levels?

    A sedentary lifestyle, high-fat diets, lack of exercise, obesity, alcohol abuse, and smoking can increase cholesterol levels. Sometimes high cholesterol levels can also be caused by genetic reasons.

    Can working help me reduce my cholesterol level?

    Yes, exercise is a great way to reduce bad cholesterol levels, body fat, and more. Plan a 30-minute regular brisk walk to promote healthy living and lower cholesterol levels.

    What is a healthy cholesterol ratio for different ages?

    Generally, a healthy cholesterol ratio is lower than 5, with 3.5 being the healthy range. Actually, there is no specific healthy cholesterol ratio for different ages.

    How do I calculate my cholesterol ratio when HDL is 60 mg/DL and the total cholesterol is 280 mg/DL?

    To calculate your cholesterol ratio, use the cholesterol ratio calculation formula: Total cholesterol number divided (/) by HDL cholesterol.

    Now calculate the cholesterol ratio:

    280 / 60 mg per DL

    = 4.67.

    Your 4.67 cholesterol ratio falls under the average range, but your total cholesterol is high. That reflects your current health status. Consult a medical professional and make lifestyle changes with professional guidance.

    How to maintain a healthy cholesterol level?

    Focus on a balanced diet, monitor your caloric intake, and plan regular exercise to maintain healthy cholesterol levels. As we age, our metabolism slows, requiring adjustments to our lifestyle to stay healthy and avoid the risk of heart disease. Also, avoid alcohol intake and tobacco smoke to lower cholesterol risk.

    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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