Health Insurance
Health Insurance for Self-Employed Individuals
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%
What is Health Insurance for Freelancers & Self-Employed?
Health insurance for self-employed professionals is a private medical policy tailored to people without employer cover. It can be an individual, family-floater or top-up plan that pays for in-patient care, day-care surgery, pre-/post-hospitalisation and sometimes OPD or maternity. Because freelancers set their schedules, many insurers bundle teleconsultations, wellness apps and cashless networks for nationwide portability. Premiums are paid directly by the policyholder and qualify for tax deductions. Add-ons such as critical-illness or accident riders can bolster protection, creating a flexible medical insurance for self-employed individuals whose cash flow may fluctuate.
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 |
The Role of Health Insurance in India’s Growing Gig Economy
India’s gig workforce is expected to touch 23 million by 2030. While platforms provide work, very few offer statutory medical cover. Rising hospital inflation—averaging 10-12 % annually—means a week in a metro ICU can cost more than a year’s freelance income. Health insurance for freelancers, therefore, underpins the sustainability of the gig economy, allowing creatives, coders and consultants to take risks without fearing medical bankruptcy. Portable cashless networks also enable interstate migration for gigs, ensuring access to quality care wherever contracts take them.
Benefits of Health Insurance for Self-Employed & Freelancers
Financial Shield Against High Medical Costs
Private room charges in metros can exceed ₹10,000 per day. A comprehensive cover settles these bills, preserving working capital for your business.
Cash Flow Stability
Irregular income makes large, sudden expenses harder to absorb. Paying an annual or instalment-based premium converts volatile costs into predictable budgeting.
Tax Advantages
Premiums up to ₹25,000 (₹50,000 for senior citizens) are deductible under Section 80D, directly lowering tax outgo—crucial for sole proprietors who pay advance tax.
Access to Wide Hospital Networks
With 18,400+ cashless hospitals with Bajaj General Insurance, treatment is available nationwide without upfront payment, ideal for digital nomads.
Wellness and Preventive Care
Many plans reward steps, nutrition tracking and yearly check-ups with renewal discounts—helpful for freelancers who often neglect routine health.
Critical-illness Lump Sum
A bundled rider pays a fixed amount on diagnosis of major ailments (cancer, heart attack), covering both treatment and income loss during recovery.
Maternity and Fertility Options
Female entrepreneurs or dual-freelancer couples can add maternity riders, supporting planned family expansion without derailing finances.
Telemedicine & Mental-Health Support
24×7 video consultations and counselling save time otherwise billed to clients, keeping productivity high.
Portability and Lifelong Renewability
Policies stay with you across clients and geographies; renewal is guaranteed as long as premiums are paid.
Global Cover Add-Ons
For freelancers serving overseas clients or travelling for shoots, optional worldwide treatment benefits mitigate foreign medical bills.
Daily Hospital Cash
Some plans offer a per-day allowance for incidental expenses—cab fares, meals, pet care—costs not covered by standard in-patient bills.
No-Claim Bonus Escalation
Up to 50–100 % extra sum insured over claim-free years, useful for healthy young freelancers planning long careers.
Meet Our Expert For Assistance
Schedule your visit for personalised solutions and guidance that you can trust!
Why Freelancers Should Buy Health Insurance?
Freelancing offers freedom, yet it also removes the company-paid safety nets most salaried workers enjoy. One medical emergency can wipe out months of irregular income and derail business plans. A robust health insurance for freelancers absorbs hospital bills, lets you focus on clients instead of crowdfunding and even offers tax relief under Section 80D. By converting unpredictable risks into a predictable premium, freelance insurance protects both your savings and your professional reputation, because missed deadlines due to illness can cost far more than the policy itself.
Download Policy Document
Get instant access to your policy details with a single click.
Types of Health Insurance Plans for Freelancers in India
Plan Type | Ideal For | Key Features | Typical Drawbacks |
Individual Comprehensive | Solo freelancers in metros | High sum insured (₹10 lakh–₹1 crore), maternity & mental-health riders | Higher premium than basic policies |
Family-Floater | Self-employed couples or parent-child duos | Shared sum insured, newborn add-on, single renewal date | One big claim can exhaust cover for all members |
Top-up / Super-top-up | Freelancers already holding employer/group cover | Kicks in after deductible, an economical way to raise the overall limit | Requires paying the base deductible first |
Critical-Illness | Anyone with a hereditary risk (heart, cancer) | Lump-sum payout, income-replacement focus | Pays once per lifetime illness event |
Personal Accident | Gig workers in high-mobility jobs (delivery, photography) | Covers accidental death, disability and loss of income | Doesn’t cover illness |
OPD & Dental Rider | Designers, coders need regular eye/dental care | Pays for consultations, spectacles, fillings | Sub-limits may be low |
Global Treatment Add-on | Digital nomads or consultants working abroad | Pays overseas hospital bills in USD/EUR | Premium loading, stringent pre-auth |
Micro-insurance / PM-JAY | Low-income freelancers | Government-backed ₹5 lakh cover, minimal premium | Restricted network, limited room rent |
Choosing the right mix involves mapping health risks, travel frequency, dependents and budget tolerance. Young solo freelancers might pair a ₹10 lakh base with a ₹40 lakh super-top-up for cost-efficient depth, while a married creative couple may prefer a ₹25 lakh floater with a maternity rider.
Managing Health Insurance Premiums with Irregular Freelance Income
● Opt for monthly or quarterly instalments—many insurers now allow ECS deductions, smoothing cash flow.
● Use accumulated business reserves—park surplus project income in a high-yield savings account earmarked for annual premium renewals.
● Leverage wellness rewards—apps track steps, meditation or BMI targets, converting points into premium vouchers.
● Stack tax refunds—adjust advance-tax estimates to free funds near renewal.
● Choose super-top-ups—combine a moderate base plan with a higher deductible layer to keep premiums manageable.
● Explore professional associations—designers’ or writers’ guilds sometimes negotiate group health deals at lower rates.
● Consider family floater if married—shared sum insured is cheaper than two individual covers.
● Link payments to a business credit card—earn cashback or points that offset future premiums; just clear dues within the interest-free period.
Tips to Choose the Best Health Insurance for Freelancers & Self-Employed
● Analyse city-wise medical inflation—metro freelancers should opt for at least ₹10–15 lakh cover.
● Check room-rent policy—no-capping avoids proportionate deductions on every bill.
● Review cashless network reach—essential for digital nomads; confirm preferred hospitals.
● Look for restoration benefit—reinstates the sum insured after a claim, vital when you’re your own breadwinner.
● Scrutinise waiting periods—shorter timelines for pre-existing conditions and maternity save future hassles.
● Add a critical-illness rider—protects income during long recovery spells.
● Evaluate wellness ecosystem—apps, coaching, mental-health sessions improve overall productivity.
● Compare claim-settlement ratios & turnaround time—freelancers can’t afford prolonged claim disputes.
● Assess premium flexibility—instalment options, super-top-up compatibility, loyalty discounts.
● Read fine print on co-pay and sub-limits—avoid nasty surprises that force you to dip into business savings.
Why Insure Your Health with Bajaj General?
Buy Now
Why Choose Bajaj General Health Policy?
Bajaj General Insurance combines high claim-settlement ratios with tech-enabled convenience. Paperless onboarding, AI-driven approvals and a multilingual mobile app (Bajaj General App) make it freelancer-friendly. Plans offer optional outpatient, mental-health and global-treatment riders, plus step-tracker wellness rewards that translate into renewal discounts. A single dashboard manages policy documents, ambulance booking, teleconsultations and claim status, saving you unbillable hours. Competitive super-top-up options let you stack cover without bloating premiums, while 24×7 chat support resolves queries even during late-night project sprints.
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
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
FAQ's
Best Age for Freelancers to Buy Health Insurance
Earlier is cheaper. Buying in your 20s or early 30s locks in lower premiums and completes waiting periods before major life events.
Does Freelancer Health Insurance Cover Critical Illness?
Yes, if you add a critical-illness rider or buy a standalone CI policy, it pays a lump sum on diagnosis of specified severe illnesses.
Can Freelancers Add Family to Their Health Insurance?
Absolutely. Most insurers let you convert an individual cover into a family floater that includes spouse, children, and sometimes parents.
Is There a Waiting Period in Freelancers’ Health Insurance?
Standard waiting periods apply—usually 30 days for general illness and 2–4 years for pre-existing conditions, unless waived by a premium loading.
Do Freelancer Health Plans Cover Maternity?
Many comprehensive policies offer maternity riders with a 9–48-month wait. Check caps on delivery and newborn expenses.
Does Freelancer Health Insurance Cover Treatment Abroad?
: Only if the policy includes a global cover add-on or special rider; otherwise, overseas treatment expenses are excluded.
What Happens If a Freelancer Misses a Premium Payment?
Insurers provide a 30-day grace period. If unpaid, cover lapses; you can revive within a defined window, but fresh waiting periods may restart.
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.
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
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!
