Health Insurance
Disability Income Insurance Calculator
Key Features
An All-rounder GST Free Health Cover to Guard Your Family
Coverage Highlights
Get comprehensive coverage for your health
Choose 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
Benefits You Deserve
Wide coverage
Choose your coverage as per your requirement
Wellness Discount
Stay fit during the policy year and enjoy 12.5% discount on renewal
Reinstatement Benefits
Unlimited reinstatement of the sum insured upto 100% SI after its depletion
Disability Income Insurance Calculator – Protect Your Income Against the Unexpected
How prepared are you if, due to a sudden accident, you cannot continue your work for several months?
Use disability income insurance calculator, input your daily salary cost and get instant insight into coverage you may expect with this insurance. This is an essential cover that protects your finances and keeps your life on track even in tough times.
You can receive a monthly compensation value of up to ₹50,000 after a specific waiting period. Use the disability insurance premium calculator today and plan steady cash for loans, groceries, and family needs when any injury halts your paycheck.
At-A-Glance
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 |
What is a Disability Insurance Calculator?
Disability leads to loss of income, and income loss contributes to stress and can be devastating if you are not financially prepared. In this scenario, a disability insurance calculator is an online tool that estimates the amount of disability insurance coverage you need to cover your monthly expenses during a disability.
This disability premium calculator considers monthly expenses, current incomes, financial obligations and savings to calculate the current shortfall of each month and the insurance coverage needed. You can easily calculate your monthly benefit amount requirement and replace income loss when you are unable to continue working due to injury or illness.
What are the Key Factors of Disability Insurance Calculator?
Current Monthly Expenses
Current monthly expense indicates your total monthly living expenses. You must include your home rent, clothing, food, phone, gas and other expenses. Disability income insurance calculator measures the amount that replaces your salary to help you cover medical bills, groceries and rent.
Monthly Disability Expenses
Disability expenses are your monthly living costs when you are not working for income. This amount is less than your actual monthly expenses. Insurers calculate a default value, for example 60% to 70% of your current monthly expenses. Keep in mind that your mortgage, utility, rent and food expenses will likely remain the same as before your disability.
Months of Disability
This is the exact number of months you cannot continue to work due to your disability. Mostly, holders underestimate the duration they take to get back to their work. However, it is important to realistically anticipate a particular recovery time that ensures uninterrupted coverage, benefits and financial protection until you resume work.
Current Monthly Insurance Coverage
Monthly coverage is the current disability coverage you are receiving to cover family expenses. Make sure your coverage includes all sources, such as coverage from your employer, to get financial protection when you need it.
Annual Inflation
Annual inflation is what you expect for an average long-term inflation rate. In case the policyholder suffers a disability for a short time, inflation usually does not impact insurance coverage. However, inflation can affect your disability income insurance calculator premium and monthly coverage if you remain disabled for more than a few years.
How Does Disability Income Insurance Calculator Work?
Simple Calculation Formula of Disability Income Insurance Calculator
Monthly Insurance Benefit = (Disability Expenses × Disability Months) - (Current Coverage × Months of Coverage)
Imagine you earn ₹50,000 monthly and your monthly expenses are ₹35000.
For your 12 months of disability due to a car accident, you receive ₹20,000 current coverage for 6 months at 5% annual inflation rate.
So, your total expenses = ₹35,000 × 12 × 1.05 avg = ₹441,000, while the provided coverage is ₹120,000.
The gap comes from subtracting the provided coverage, which is = (₹441,000 - ₹120,000) = ₹321,000.
Therefore, your insurance benefit is ₹27,683 per month, and the gap is ₹26,750 (₹321,000 / 12 months)
Why Insure Your Health with Bajaj General?
Buy Now
Meet Our Expert For Assistance
Schedule your visit for personalised solutions and guidance that you can trust!
What are the Benefits of Disability Insurance?
Disability insurance provides financial security and a safety net if a person becomes unable to continue working.
Monthly Income Replacement
This insurance offers a financial safety net by replacing your income in case you are unable to continue your job due to a major injury or illness. It covers necessary expenses during any illness or injury and maintains financial stability.
Maintain Lifestyle
Disability Insurance covers expenses of your standard of living, including mortgage and other household expenses. Suppose you have broken your leg in an accident and cannot work for the next 3 months. Disability insurance provides a lump sum amount, for example, ₹25,000 to cover monthly utility bills, mortgage, and keep the family comfortable.
Financial Security
Long-term injury or critical illness can drain your entire savings within a few days of treatment or hospitalisation. In this scenario, disability insurance covers the treatment expense, including medication and household expenses, replacing the portion of income and securing your savings.
Flexibility
Most insurers provide the flexibility with visibility insurance to choose coverage for long-term or short-term disabilities that suits your needs and budget.
Debt and Obligation
This insurance allows policyholders to fulfil their financial obligations, such as student loans, car payments and credit cards, even if they are not able to make income.
Individuals with partial, permanent or temporary disabilities can purchase insurance from Bajaj General Insurance to access essential health insurance on time, ensure comprehensive coverage, and financial coverage.
Use an online disability income insurance calculator and buy a plan that covers doctor consultations, hospitalisation, surgeries, rehabilitation services and medications at an affordable price range. The disability insurance premium calculator provides a comparison of premium amounts and coverage features to help you choose the right one.
Final Statement
Compare the Bajaj General health insurance plan and use the online disability insurance income calculator to review policy terms and conditions and estimate the cost and premium amount. Understanding insurance offers and premiums brings the advantage of choosing the right one from the available options. Plug your phone number today and secure the necessary coverage, financial support and peace of mind against disabilities.
Health Companion
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
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
Frequently Bought Together
View All
Download Policy Documents
Get instant access to policy details with a single click
Step-by-Step Guide
To guide you through your insurance journey.
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
Quick Links
Diverse more policies for different needs
Insurance Samjho
Saving vs Medical Expenses
Is Health Insurance just an expense
MHCP EDGE +
Kitna Health Insurance Cover Enough Hai?
Home Insurance-All Risk Cover
Home Insurance-Long Term Cover
Home Insurance-No Content Declaration
Home Insurance-World Wide coverage
Take control of your digital security
Data Privacy Day | Bajaj General Insurance
Be Cyber Jagrook
Explore our articles
View All
Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Highly satisfied
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!
Pooja Kaushik
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!
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 documents do I have to submit to claim disability insurance coverage?
You need to submit several documents, including a claim form, your original policy documents, ID proof, NEFT details, hospital certificate, diagnosis report, clinical report, employment record, and physician's statement.
Why do I need disability insurance?
Disability insurance supports unemployment due to injury or illness that prevents you from working. This insurance covers medical bills and other expenses as a replacement for a monthly income.
Is disability insurance not for people who work in dangerous jobs?
No, certain health conditions are more likely to cause permanent or temporary disability than accidents. Disability insurance is for a person who has lost their ability to work due to an accident or illness.
Which disabilities are included in health insurance coverage?
Generally, health insurance coverage covers several disabilities, including partial and permanent disability or temporary conditions. A disability that results from illnesses or accidents prevents the policyholder from continuing their job and earning a monthly income.
What are the benefits of buying disability insurance?
Disability insurance benefits provide financial protection and offer peace of mind, income replacement and comprehensive coverage to give policyholders the space to focus on their recovery.
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.
Popular Search
Why juggle policies when one app can do it all?
Download the App Now!
With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!
