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Health Insurance
Comprehensive Health Insurance
Key Features
Extensive coverage for hospitalization and related expenses for you and your family
Coverage Highlights
Key benefits of this plan
Comprehensive 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.
Benefits You Deserve
Personalized Coverage
Wide range of products & plans to suit your needs
Direct Discount
5% online discount
Zone Discount
Avail discount if living in Non-Metro up to 25%
Comprehensive Health Insurance Plans: Your Ultimate Guide to Complete Coverage
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
Comprehensive Health
BestSeller
What is Comprehensive Health Insurance?
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.
At-A-Glance
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 |
6 Major Benefits of Comprehensive Health Insurance
The benefits of comprehensive health insurance include
Comprehensive Coverage
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.
Financial Safety
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.
Access to Top Network Hospitals
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.
Tax Benefits
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.
Domiciliary Hospitalisation
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.
Riders or Add-on Benefits
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.
Additional Benefits of Buying Comprehensive Health Insurance
Buying a comprehensive health insurance plan from Bajaj General Insurance offers you additional benefits
Hospital Cash Daily Allowance
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.
Women's Specific Critical Illness
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.
HERizon Care
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.
Things to Consider When Purchasing a Comprehensive Health Insurance Policy
Compare Plans:
Use online comparison tools to compare different comprehensive health insurance plans based on coverage, premiums, and benefits.
Read the Fine Print:
Understand the terms and conditions, including exclusions and waiting periods, before purchasing a policy.
Claim Settlement Process:
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.
Inclusions and Exclusions:
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.
Assess the Waiting Period:
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.
Download Policy Document
Get instant access to your policy details with a single click.
Step-by-Step Guide
To help you navigate your insurance journey
How to Buy
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1
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
What Does Health Insurance Extensively Cover?
Cashless Treatment
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.
Pre and Post-Hospitalisation Expenses
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.
Day-Care Procedures
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.
Preventive Health Check-ups
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.
Ambulance Charges
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.
No Claim Bonus
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.
Why Insure Your Health with Bajaj General?
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Reasons Why You Should Buy a Comprehensive Health Insurance Policy From Bajaj General Insurance?
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
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What Our Customers Say
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Clear policies, easy renewal, and great coverage options. Highly satisfied with this health insurance app.
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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!
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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
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Mumbai
30th Jan 2025
Great coverage options too!
Finding pregnancy health insurance was stress-free on Bajaj General app. Great coverage options too!
Rajesh Kumar
Mumbai
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!
Gautam Mongia
Delhi
24th Jan 2025
FAQ's
What does comprehensive health insurance mean?
Comprehensive health insurance typically offers broader coverage than basic plans, covering hospitalization and related expenses like pre/post hospitalization and certain day care procedures, subject to policy terms and limits. It ensures you and your loved ones receive quality care without financial stress. A comprehensive plan is beyond the basics and generally has the maximum coverage possible.
Read More: What is comprehensive health insurance
Is opting for a comprehensive health insurance plan a good choice?
Yes, opting for comprehensive health insurance plans is generally the best choice. Our plans offer extensive protection and access our vast network of 18,400+ cashless hospitals. It ensures financial security and supports you to take preventive care alon with the support to face any medical emergencies.
How much does a comprehensive health insurance policy typically cost?
The cost of comprehensive health insurance at Bajaj General isn't one-size-fits-all. It depends on factors like your age, chosen sum insured, and the specific coverage features in the form of add-ons that you opt for. We offer customizable plans, so you pay only for your needs; it fits both your health protection needs and your budget. You can check your quote online in a few simple steps.
What is the difference between standard and comprehensive health insurance?
Thinking about which is better, a comprehensive vs regular health insurance? The difference is very clear. Standard plans usually focus on hospitalisation, while comprehensive plans may offer wider benefits (like broader pre/post cover, day care, and optional features like OPD/preventive benefits). Your protection thus becomes diverse. You are protected financially and can use your health insurance effectively.
Why should you consider buying a comprehensive health insurance plan?
There are several benefits of comprehensive health insurance from Bajaj General. It's a robust financial shield against soaring medical costs. It covers critical illnesses, extensive pre/post-care, and modern day-care procedures. This ensures access to quality treatment, allowing you to focus on recovery, not expenses. You can even include protection for your family, plus benefits in the form of discounts, making it smart planning for healthy living.
What all is covered under a comprehensive health insurance plan?
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.
What are the eligibility criteria to purchase comprehensive health insurance?
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.
Does a comprehensive health insurance plan provide 100% coverage of medical expenses?
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.
What factors should I evaluate before buying a comprehensive health insurance policy?
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.
What is the maximum sum insured available under this comprehensive policy?
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).
What are the benefits of cashless hospitalisation under a comprehensive health plan?
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.
What is meant by the reinstatement benefit in comprehensive health insurance?
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).
Does comprehensive health insurance cover physiotherapy expenses?
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.
Are outpatient (OPD) expenses included in a comprehensive health insurance plan?
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.
Is air ambulance service covered under comprehensive health insurance?
Air ambulance coverage health insurance is available under Bajaj General Insurance Comprehensive Health Insurance in select plans.
What is the maximum renewal age for a comprehensive health insurance policy?
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.
Can I pay my premium in instalments while renewing the policy?
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
Does the policy include a co-payment clause at the time of renewal?
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
What happens if I miss my health insurance renewal due date?
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.
Can I renew my policy without losing accumulated benefits?
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.
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