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Key Features
Extensive coverage for hospitalization and related expenses for you and your family
Coverage Highlights
Key benefits of this planComprehensive coverage
It offers extensive coverage for a wide range of medical expenses including room rent, doctor’s fees, nursing charges, surgery costs, medical tests and other healthcare needs, ensuring you get the care you need without worrying about big hospitalisation bills.
Freedom of Choice
Explore our wide range of products to select plans suited for you and your family
Cashless Treatment
You can choose any doctor, hospital, or specialist from our network hospital for cashless treatment ensuring you receive the best possible care.
Preventive Health Check-up
Our plans include coverage for regular preventive health check-ups, aiding in early detection and prevention of illnesses.
Lifetime Renewability
You can renew your health insurance plans throughout the lifetime, ensuring continuous coverage without age restrictions.
Wide Sum insured options
Choose adequate sum insured that suits your budget from 3 lakh to 5 crores
Family Floater & Individual Plans
You can decide to cover your family members under shared Sum Insured (Floater) or Separate Sum Insured (Individual)
Direct Discount
5% online discount in select plans
Zone Discount
Depending on where you live you can avail discount. 15% for Zone B and 25% for Zone C in select plans
Fitness Discount & Wellness Discount
5% Fitness discount on new policy for Marathon runners and upto 12.5% Wellness discount for healthy habits on renewal in select plans
Loyalty Discount
5% discount if you have with us any Motor, Health, Home, Cyber and Pet policy with premium of Rs.2500 or higher in select plans
Other Discounts
You may be eligible for more discounts like Early Bird, Long Term Policy, Family as specified under plans
Cumulative Bonus
You are rewarded with a cumulative bonus for each claim-free year, which typically increases the sum insured without an additional premium, encouraging you to maintain good health.
Inclusions
What is covered?Hospitalization & Day Care Expenses
Covers hospitalization expenses & Day Care procedures & surgeries with Room rent limit as specified and ICU at actuals
Pre and post hospitalization expenses
Coverage available as specified under the plan with option to customize as required in specified plans
Out-patient treatment (OPD) expenses
Coverage available in select plans for Tele Consultation, In-clinic Doctor Consultation, Pathalogy, radiology and annual preventive health check up as per limit specified
Maternity and Newborn Coverage
Many comprehensive plans offer coverage for maternity-related expenses, including prenatal and postnatal care, delivery charges, and newborn care, supporting you during significant life events.
Domiciliary Hospitalization
Coverage available in select plans for Medical Expenses, that are incurred on home treatment on the advice of the attending Medical Practitioner cause patient cannot be moved to hospital or hospital bed is not available
Modern Treatment Methods and Advancement in Technologies
Medical expenses incurred in undergoing treatment using modern and advanced technologies or procedures
Organ Donor Expense
Coverage available in select plans for Medical expenses incurred for organ donor's in-patient treatment for harvesting the donated organ if insured is the receiver
AYUSH Hospitalization
Medical expenses for ayurvedic, yoga, unani, siddha and homeopathic, treatments on advice of a doctor for illness or body injury
External Medical Aid Expenses
Coverage available in select plans for expenses incurred for items such wheelchair, crutches, walker, hearing aid following illness or injury
Sum Insured Reinstatement
Sum Insured exhausted will be reinstated and available fully for next claim as specified under the plan
Recharge benefit
If an unfortunate claim exhausts Sum Insured limit, the then additional Sum Insured would be available in select plans
More coverages
Many more covers like Cumulative Bonus, Airlift Cover, Family Visit, Renewal premium waiver, Consumables cover etc.
And More
Please read Policy wording for detailed terms and conditions
Exclusions
What's not covered?Initial Waiting Period
30 days, except for claims due to accidents
Pre-Existing Disease Waiting period
You need to wait for continuous 12 /24/36 months as specified in your plan to make a claim for pre-existing diseases such as diabetes, high blood pressure, thyroid, asthma, etc.
Specific Illness Waiting Period
You need to wait for continuous 12 /24/36 months as specified in your plan to make a claim for some treatments like cataract, knee-replacement, hernia, gout, endometriosis. See Policy Wording for entire list
Maternity Waiting Period
You need to wait for continuous 12 /24/36 months as specified in the plan to make a claim.
Investigation & Evaluation
Primarily for diagnostics and evaluation purposes or not related to current diagnosis and treatment
Dietary supplements and substances
Purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of hospitalization /day care
Cosmetic Surgery
Any treatment to change appearance unless for reconstruction following an Accident, Burns or medically necessary treatment
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 have to be borne by you if you have Deductible or Copay
Note
Please read Policy wording for detailed exclusions
Additional Covers
Enhance your coverage with these Add-onsHealth Prime Rider
Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet and 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
Non Medical Expense Rider
Covers cost of consumable items (e.g., gloves, syringes, bandages) used during treatment, up to specified limit.
Comprehensive health insurance refers to an inclusive medical plan. This plan offers comprehensive health protection against various health-related issues. It provides you coverage for minor treatments to major surgeries.
We are all living in a world where health hazards are increasing each passing day. Unexpected medical events can alter the situation; one incident is enough to wipe out all your hard-earned finances. Further, buying comprehensive health insurance is an essential investment. At Bajaj General Insurance, you get comprehensive health insurance at a very reasonable price. Save your life and purchase now!
Comprehensive Health
BestSeller
A comprehensive health insurance plan stands as a financial safety net. It offers extensive coverage along with choices to select plans that are suited for your family. Unlike basic health insurance plans, these policies provide a broader safety coverage, such as outpatient care, preventive checkups, cashless treatments, and lifetime renewability.
Your basic health insurance plans only cover hospitalisation expenses. However, comprehensive health insurance, on the other hand, covers post-hospitalisation expenses, day-care procedures, and ambulance charges.
Compare Insurance Plans Made for You
| Coverage |
My Health Care: Plan 1 |
My Health Care: Plan 6 |
Global Health Care |
Health Guard: Gold |
Health Guard: Platinum |
|---|---|---|---|---|---|
| Plan Types | Individual & Family Floater plans | Individual & Family Floater plans | Individual & Family plans | Individual & Family Floater plans | Individual & Family Floater plans |
| Geographic Coverage | India | India | India and International with separate Sum Insured limits for both | India | India |
| Hospital & Day Care SI | SI: INR 3 Lacs to INR 5 Crs. | SI: INR 3 Lacs to INR 1 Cr. | India SI: INR 37.5 Lacs to INR 75 Lacs | International SI: USD 1 Lac to USD 10 Lacs | INR 3 Lacs to INR 50 Lacs | INR 3 Lacs to INR 50 Lacs |
| Room Limits | SI INR 3 Lacs to INR 10 Lacs: Single Pvt. Room | SI above INR 10 Lacs as per Actuals (option to change) | SI INR 3 Lacs to INR 10 Lacs: Single Pvt. Room | SI above INR 10 Lacs as per Actuals (option to change) | Domestic: At Actuals | Overseas: Single Private AC Room | ICU: At Actuals | SI INR 3 Lacs to INR 7.5 Lacs: Single Private AC room | SI INR 10 Lacs and above: At Actuals | ICU: At Actuals | SI INR 3 Lacs to INR 7.5 Lacs: Single Private AC room | SI INR 10 Lacs and above: At Actuals | ICU: At Actuals |
| Pre/post expenses | 60/90 days (option to change) | 30/60 days | Domestic- 60/ 180 days International- 45/ 90 days | 60/90 days | 60/90 days |
| AYUSH, Modern Treatment, Road Ambulance | Covered | Covered | Covered | Covered | Covered |
| Maternity Sublimits | INR 50,000 for SI 5 to 10 Lacs | INR 75,000 for SI 15 to 20 Lacs | INR1,00,000 for SI above 20 Lacs | Not Covered | Not Covered | Not Covered | Not Covered |
| Baby Care (Additional) | SI up to 4 Lacs: INR 1 Lac | SI 5 to 10 Lacs: INR 5 Lacs | SI 15 to 50 Lacs: INR 10 Lacs | SI above 50 Lacs: INR 15 Lacs | Not Covered | Not Covered | Not Covered | Not Covered |
| Home Nursing | INR 5,000/week for SI up to 50 Lacs INR 10,000/week for SI above 50 Lac | Not Covered | Not Covered | Not Covered | Not Covered |
| Air Ambulance | INR 10 Lacs for SI 50 Lacs to 1 Cr INR 20 Lacs for SI above 1 Cr | Not Covered | As per specified limits within the plans | As per specified limits within the plans | As per specified limits within the plans |
| Cumulative Bonus | 25% p.a. up to 100% for SI 3 & 4 lacs | 50% pa. up to 100% for SI 5 Lacs and above | 10% p.a up to 100% | 20% p.a up to 100% for Domestic SI | 10% p.a up to 100% | 10% p.a up to 100% |
| SI Reinstatement | Once per year for SI 3 & 4 Lacs | Unlimited for SI 5 Lacs and above | Once per year for SI 3 Lacs | Unlimited for SI above 3 Lacs | Not Applicable | 100% of the Base SI | 100% of the Base SI |
| More Covers | Domiciliary Hospitalization, Organ Donor Expense, External Medical Aid Expenses & many more | Domiciliary Hospitalization, Organ Donor Expense, External Medical Aid Expenses & many more | Organ Donor Expenses, Rehabilitation, Mental Illness Treatment, Repartriation, Palliative Care, Physiotherapy, Dental Surgery | Preventive Check up, Convalescence Benefit & many more | Preventive Check up, Convalescence Benefit & many more |
| Available discounts | Direct Discount, Zone Discount, Fitness Discount & Wellness Discount, and more | Direct Discount, Zone Discount, Fitness Discount & Wellness Discount, and more | Direct Discount, Family Discount and more | Direct Discount, Zone Discount, Fitness Discount & Wellness Discount, and more | Direct Discount, Zone Discount, Fitness Discount & Wellness Discount and more |
The benefits of comprehensive health insurance include
With a comprehensive coverage, you get an extended coverage. It includes hospitalisation, medications, surgery, diagnostics and medical expenses for AYUSH hospitalisation. Hence, when you find yourself in unforeseen medical events, a comprehensive plan steps in to guard you.
Medical treatments are indeed expensive. As per reports, medical expenses have increased to 13% in India, higher than the global average of 10%. Thus, a comprehensive health insurance acts as a financial safety net and ensures that healthcare quality is not compromised due to financial constraints.
With comprehensive health insurance, you get access to top network hospitals. This ensures that you are not paying out of pocket and getting the best medical treatments at your preferred network hospitals without being worried about the costs.
If you are paying your premiums for comprehensive health insurance plans, then you are eligible for a tax deduction under Section 80D. According to the Income Tax Section 80D, a minimum of ₹50,000 deduction is available for senior citizens and a ₹25,000 tax deduction for non-senior citizens in each financial year.
You get coverage benefits for selected medical expenses in at-home treatment on the advice of the doctor. Meaning, if you are diagnosed with a disease and, due to your health condition, the doctor has prescribed at-home treatment because you cannot be moved to the hospital. Your insurance company will give you coverage for this.
You can increase or enhance your comprehensive health insurance plan with additional coverage. Bajaj General Insurance offers the benefit of choosing additional coverage from health prime rider, respect rider (senior care), and non-medical expense rider.
Buying a comprehensive health insurance plan from Bajaj General Insurance offers you additional benefits
We agree to pay reasonable and customary expenses in respect of an admissible claim. Hospital cash daily allowance. It includes AYUSH hospitalisation and day care treatment, hospitalisation for a minimum of 24 hours, inpatient care, intensive care unit and others.
With his plan, Bajaj General offers to cover women-specific critical illnesses. Illnesses include breast or ovarian cancer, paralysis and multiple trauma. You will get a lump sum amount and additional benefits such as potential support for employee loss and children's education benefit.
You get a wide range of coverage for a wide range of women's specific critical illnesses. Offers an extensive sum insured option ranging from 3 lac to 2 crs with the eligible entry age up to 80 years.
Use online comparison tools to compare different comprehensive health insurance plans based on coverage, premiums, and benefits.
Understand the terms and conditions, including exclusions and waiting periods, before purchasing a policy.
Look at the insurance company's claim settlement process and how quickly they've handled and resolved cases in the past. Reviewing reviews and comments may give you a good idea of the insurer's reliability and helpfulness.
You should always consider reading the inclusions and exclusions. These offer a complete understanding of the benefits that you will get. Reading the exclusions provides you with a clear idea of what is not covered in the plan and helps you to make an informed decision.
Most insurance companies in India give you a waiting period. Some can be for 2 years, or some can be for 9 months. The initial waiting period is 30 days, and for a pre-existing disease, it is usually 2-4 years.
Get instant access to your policy details with a single click.
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
Most comprehensive health insurance plans offer cashless treatment facilities at network hospitals. This means that you do not have to pay out of your pocket at the time of Hospitalisation, as the insurance company settles the bills directly with the hospital.
These plans cover medical expenses incurred before and after Hospitalisation, such as diagnostic tests, follow-up consultations, and medications. This ensures that you receive complete care without financial worries.
With advancements in medical technology, many treatments do not require prolonged hospital stays. Comprehensive health insurance covers day-care procedures that require less than 24 hours of Hospitalisation.
Many comprehensive health insurance plans offer free preventive health check-ups, encouraging policyholders to monitor their health regularly and detect any potential health issues early.
In case of an emergency, the cost of ambulance services can be high. Comprehensive health insurance plans often cover ambulance charges, ensuring that you receive timely medical attention without worrying about transportation costs.
If you do not make any claims during a policy year, you are rewarded with a No Claim Bonus, which can be in the form of a discount on the premium or an increase in the sum insured.
Schedule your visit for personalised solutions and guidance that you can trust!
A comprehensive health insurance policy is ideal for individuals and families who want broad coverage that includes hospitalisation, day-care procedures, pre and post-hospitalisation and preventive care. It’s particularly beneficial for people with dependants, senior citizens or those with a history of medical conditions.
Whether you're a working professional, a parent planning for your family's future or someone seeking peace of mind against rising medical costs, a comprehensive medical insurance plan with Bajaj General Insurance offers financial protection and access to quality care. With 18,400+ cashless hospitals with Bajaj General Insurance Limited, you’re never too far from trusted treatment.
You should choose Bajaj General Insurance because you get coverage for
1. Hospitalisation and daycare expenses.
2. Outpatient treatment (OPD) expenses.
3. Maternity and Newborn coverage.
4. Domiciliary hospitalisation expenses.
5. Modern treatment methods and advanced technology used in treatment/
6. AYUSH hospitalisation.
7. Organ donor expenses.
8. External medical aid expenses
Track, Manage & Thrive with Your All-In-One Health Companion
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Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
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Clear policies, easy renewal, and great coverage options. Highly satisfied with this health insurance app.
Piyush Kumar
Mumbai
17th Mar 2025
Highly recommend!
Managing my health, vehicle & cyber insurance is so simple with this app. Highly recommend!
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Vadodara
2nd Feb 2025
Simple, fast & effective!
A reliable health insurance app with all features in one place—simple, fast & effective!
Hrithik Mishra
Delhi
31st Jan 2025
Love this app!
Managing my family’s health insurance has never been this convenient. Love this app!
Shagun Gupta
Mumbai
31st Jan 2025
Reliable & affordable
Reliable & affordable medical insurance plan—gives complete health security for my family.
Shubham Singh
Delhi
30th Jan 2025
Financial convenience
Medical crises are stressful, but financial convenience is guaranteed by this health plan
Pushpendra Gurjar
Mumbai
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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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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The maximum sum insured depends on the specific plan you choose. Some policies under Bajaj General Insurance offer coverage up to ₹1 crore, ensuring strong protection for serious medical events.
With the comprehensive coverage, with the help of the cashless hospitalisation facility, your bill gets settled directly by the insurance company to the network hospital where you are admitted. In this process, you are not required to pay any cash to the hospital out of your own pocket.
The cost varies based on factors like age, sum insured, number of members covered and medical history. At Bajaj General Insurance, the comprehensive health plan is available as an individual plan as well as a family floater plan. Therefore, the cost depends on the plan you choose.
Yes, many comprehensive health insurance plans offer instalment-based premium options—monthly, quarterly or annually, making it easier to manage finances while staying insured.
Co-payment terms may vary depending on age, plan type and optional features. Some plans may waive co-pay for specific age groups or offer reduced co-pay options.
An out-of-pocket maximum in health insurance refers to the maximum amount you can pay in a year for medical services. When you reach the limit, your plan steps in to cover for the remaining year. However, this solely depends on the plan which you are purchasing.
No, full coverage does not mean 100% of all expenses are paid. This term is usually used in policies that combine different types of policies. The reason why full coverage does not mean 100% coverage of all expenses is that of the factors existing, like the deductible, coverage limit, depreciation and exclusions.
A waiting period in an insurance policy refers to the time when you cannot claim certain benefits, and this acts as a cooling-off period in the insurance policy for insurers to manage risk and prevents people from buying coverage only when they know that they need immediate treatment.
To file a comprehensive health insurance claim, you generally need the hospital discharge summary, medical reports, bills, prescriptions, and your Bajaj General Insurance policy details, along with a valid photo ID.
To file a cashless medical insurance claim, get admitted to a Bajaj General Insurance network hospital, submit the pre-authorisation form at the TPA desk, and let the insurer coordinate directly with the hospital for payment.
Yes, pre-authorisation is mandatory for all planned hospitalisations under cashless health care insurance, and it must be obtained at least 48 to 72 hours before admission to avoid delays.
Common reasons for claim rejection in comprehensive medical insurance include non-disclosure of pre-existing conditions, policy exclusions, incorrect documentation, or treatment at a non-network hospital without prior intimation.
Yes, for reimbursement-based health insurance, claims must typically be submitted within 15 to 30 days from discharge. Always check your Bajaj General Insurance policy document for the exact timeline.
Comprehensive health insurance usually covers pre- and post-hospitalisation, inpatient care, ambulance charges, day-care procedures, and in some cases, preventive check-ups, maternity, and AYUSH treatments, depending on the plan selected.
Your comprehensive health insurance policy should be renewed before the due date to maintain uninterrupted coverage and to avoid losing benefits like cumulative bonus or waiting period credits.
Yes, Bajaj General Insurance allows you to upgrade or enhance the sum insured and add benefits during renewal of your comprehensive health insurance, though it may be subject to underwriting and medical checks.
Not always. If you're renewing your comprehensive medical insurance on time and have had no claims, Bajaj General Insurance may waive the medical check-up requirement based on your age and policy terms.
Yes, you can port your comprehensive health insurance policy to another insurer at the time of renewal without losing accrued benefits, provided you initiate the process at least 45 days in advance.
If you miss the renewal date, you are offered a grace period. However, any claims during this time may be rejected, and continuous medical insurance benefits, like a cumulative bonus, may be lost.
Forgetting to renew your comprehensive health insurance policy could result in a complete lapse of coverage, forcing you to undergo fresh waiting periods or even reapply for a new policy altogether.
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