Comprehensive Health Insurance

Bajaj General Insurance's Comprehensive Health Plan covers hospitalization and day-care expenses (room rent as specified; ICU at actuals), doctor’s fees, nursing, surgery, tests, and pre-/post-hospitalization costs—delivering comprehensive health coverage. You can also get OPD support (tele/in-clinic consults, diagnostics, preventive check-ups), maternity and newborn cover, AYUSH and domiciliary treatment, organ donor expenses, and modern treatments. Make the most of cashless care at our network hospitals, sum insured from ₹3 lakh to ₹5 crore, lifetime renewability, reinstatement/recharge and cumulative bonus.

Bajaj General Insurance's health insurance eligibility criteria for the Comprehensive Health Insurance plan states that the proposer must be 18–65 years at entry. You can opt for an Individual policy or a Family Floater, and choose a sum insured from ₹3 lakh to ₹5 crore. You’ll need to complete KYC and provide health details; based on age, medical history, or selected benefits (such as OPD or maternity options), a pre-policy medical check-up may be required. The plan also offers lifetime renewability.

The comprehensive health coverage by Bajaj General aims to protect you against all medical expenses. However, the payouts depend on policy terms such as room-rent limits, sub-limits (if any), waiting periods, exclusions, and non-payable items (often certain consumables, unless add ons are present). Cashless treatment at network hospitals can reduce out-of-pocket costs, but the final settlement is always as per covered benefits and limits. Always check whether your plan has any co-pay/deductible, specific room-rent caps, or consumables cover.

Bajaj General Health Insurance offers several options in policies that fit your needs and budget. So, the key factors to consider health insurance before opting for Comprehensive Health Insurance include: the right sum insured (₹3 lakh–₹5 crore), Individual vs Family Floater, room-rent limits and ICU cover, cashless access at network hospitals, add-ons like OPD, maternity/newborn, AYUSH, domiciliary treatment, organ donor and modern treatments (available in select plans). Also check pre/post-hospitalization coverage, reinstatement/recharge benefits, lifetime renewability, and any applicable discounts.

The maximum sum insured health insurance available under Bajaj General Insurance Comprehensive Health Insurance is ₹5 crore (you can choose cover starting from ₹3 lakh up to ₹5 crore, depending on the plan option you select).

Cashless hospitalisation benefits under Bajaj General Insurance's Comprehensive Health Insurance include getting treatment at one of the 18,400+ network hospitals without paying the covered hospital bills upfront. Once your cashless request is approved, eligible expenses like room rent (as specified), ICU charges (at actuals), doctor’s fees, nursing, surgery and tests are settled directly as per policy terms. This helps reduce immediate out-of-pocket burden and streamlines admissions and discharge, while any non-payable items or limits remain payable by you.

The reinstatement benefit health insurance in Comprehensive Health Insurance means that if your sum insured gets exhausted after a claim, it can be restored and made available again for a subsequent claim, as specified under your Bajaj General Insurance Health plan. This helps you stay protected through multiple hospitalizations in the same policy year, subject to the plan’s terms and conditions (and any applicable limits).

Physiotherapy coverage health insurance under Bajaj General Insurance's Comprehensive Health Plan depends on the nature of the treatment taken. If physiotherapy is part of a covered hospitalization/day-care treatment or falls within the plan’s specified pre-/post-hospitalization period and is medically prescribed, it may be payable as per policy terms and limits. Standalone OPD physiotherapy is covered only if your selected plan includes OPD benefits that allow it.

OPD cover health insurance is available under Bajaj General Insurance's Comprehensive Health Insurance in select plans. Where included, it can cover expenses such as tele-consultations, in-clinic doctor consultations, pathology/radiology tests, and an annual preventive health check-up—up to the limits specified in your chosen plan.

Air ambulance coverage health insurance is available under Bajaj General Insurance Comprehensive Health Insurance in select plans.

With Bajaj General Insurance Comprehensive Health Insurance, there is no maximum health insurance renewal age—the policy offers lifetime renewability, so you can continue renewing it throughout your lifetime, subject to the policy’s terms and timely premium payment.

Premium payment modes depend on the plan and available payment options at renewal. You may be able to choose monthly/quarterly/half‑yearly/annual payments

A co‑payment applies only if it is part of your selected plan/variant (or mentioned in your policy schedule). At renewal, the same co‑pay terms generally continue unless you switch variants/benefits

If you have a missed health insurance renewal, Bajaj General Insurance allows a 30-day grace period from the due date to renew without treating it as a break in policy. While your claim may not be admissable, you retain benefits. If you don’t renew within this grace period, the policy may lapse and you could lose continuity benefits, and renewal may then be subject to the insurer’s applicable rules and terms.

Yes. With timely renewal, your health insurance renewal benefits (such as continuity of coverage and accumulated benefits like cumulative bonus, where applicable) continue as per policy terms. Bajaj General Insurance also allows renewal within a 30-day grace period without treating it as a break in policy, helping you retain continuity benefits.