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    Health Insurance

    Health Insurance in Delhi

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    Key Features

    Protecting You From the Financial Burden of Critical Illness

    Coverage Highlights

    Get comprehensive coverage for your health
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    • Sum Insured as per Severity

    The claim disbursal will be as per the severity of the disease covered under the policy

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    • Extensive Critical Illness Coverage

    Get coverage for 43 critical illnesses as per policy terms

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    • Wide Sum Insured (SI) Options

    Choose adequate sum insured from 5 lacs to 5 crores that suits your need

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    • Lump Sum Payout

    Get a lumpsum payout regardless of treatment costs

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    • Lifetime Renewal

    Option to avail lifetime renewal services (applicable for continuous coverage)

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    • Flexible Usage

    Avail the payout amount as needed for treatment, medication, or rehabilitation

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    • Design Your Own Plan

    Option to choose from 5 types of covers that best suits your needs

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    • Note

    Please read policy wording for detailed terms and conditions

    Inclusions

    What’s covered?
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    • Cancer Care

    Covers critical illness as per category A (25%) and category B (100% sum assured)

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    • Cardiovascular Care

    Covers critical illness as per category a (25%) and category B (100% sum assured)

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    • Kidney Care

    Covers critical illness as per category A (25%) and category B (100% sum assured)

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    • Neuro Care

    Covers critical illness as per category A (25%) and category B (100% sum assured)

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    • Transplant Care & Sensory Organs Care

    Covers critical illness as per category A (25%) and category B (100% sum assured)

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    • Note

    Please read policy wording for detailed terms and conditions

    Exclusions

    What’s not covered?
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    • Waiting Period

    Critical illness diagnosed within the first 180/ 120 days is excluded unless coverage is renewed without a break as per the policy terms

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    • Sexually Transmitted Diseases

    Treatment for sexually transmitted diseases are not covered

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    • Birth Defects

    Expenses for treatment of birth defects and congenital anomalies

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    • War and Related Activities

    Expenses incurred due to war, invasion, civil war, rebellion, and related events stays

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    • Natural Perils

    Storms, earthquakes, volcanic eruptions, and other natural hazards are not covered

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    • Self-inflicted Injuries

    Self-inflicted injuries, suicide attempts, insanity, and illegal acts are not covered

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    • Intoxicating Substances

    Coverage for treatment required after misuse of drugs and alcohol (except narcotics used under medical direction)

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    • Note

    Please read policy wording for detailed terms and conditions

    Additional Covers

    What else can you get?
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    • Cancer Reconstructive Surgery

    Additional sum assured for reconstructive surgery if a category B cancer claim is accepted

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    • Cardiac Nursing

    Additional sum assured for cardiac nursing if a category B cardiovascular claim is accepted

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    • Dialysis Care

    Additional sum assured for dialysis if a category B kidney care claim is accepted

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    • Physiotherapy Care

    Additional sum assured for physiotherapy if a category B neuro care claim is accepted

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    • Sensory Care

    Additional sum assured for speech therapy or hearing loss treatments (e.g., cochlear implants) if a category B sensory organs care claim is accepted

    Complete Guide to Buy Health Insurance in Delhi

    To buy the right health insurance in Delhi, you need to first evaluate your healthcare needs, budget, family size and preferred hospital network. In this guide, you will find everything you need to know, starting from the importance of health insurance, available policy types, coverage benefits, claim procedures and renewal.

     

     

     

     

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    Quick Overview of Health Insurance in Delhi

    • 1

      Importance: Health insurance in Delhi enables policyholders to avoid financial burden during medical emergencies and focus on recovery.

    • 2

      Who needs it: Young professionals, families, senior citizens, and individuals seeking financial protection against rising healthcare costs.

    • 3

      What is covered: A comprehensive health plan includes pre- and post-hospitalisation, daycare treatments, outpatient treatment expenses, maternity coverage, and domiciliary care.

    • 4

      Key Features: Offering cashless hospitalisation benefits at network hospitals, timely reimbursement, 24/7 customer support, and coverage for pre-existing diseases after the applicable waiting period.

    • 5

      Benefits: Protects the policyholder's savings against high medical costs by offering cashless benefits, covering pre- and post-hospitalisation expenses and so on.

    • 6

      Add-ons: Critical illness, maternity and newborn cover, hospital cash benefits, and non-medical expense rider enhance coverage in exchange for an additional premium. 

    • 7

      Policy Exclusions:

      1. Most standard medical insurance Delhi do not cover cosmetic surgeries, self-inflicted injuries, and experimental treatments. 

    • 8

      Eligibility: Adults aged between 18 and 65 and children from 90 days of age are eligible for health insurance in Delhi. 

    • 9

      Claim Process: Bajaj General ensures a hassle-free, quick claim settlement for all policyholders, irrespective of whether they are opting for a cashless or reimbursement claim settlement.

    • 10

      How to Purchase: To buy the best health insurance plan in Delhi online, visit Bajaj General’s official website, fill in the proposal form, submit documents and pay the premium.

    Read More

    What are the Benefits of Health Insurance Plans in Delhi?

    Besides financial support, the right health insurance in Delhi provides access to quality healthcare, cashless treatment, preventive care and long-term financial security. Here is how comprehensive health insurance plans in Delhi contribute to managing rising healthcare costs:

    • Comprehensive Hospitalisation Coverage

      A comprehensive medical insurance policy in Delhi provides coverage for eligible expenses such as pre- and post-hospitalisation, including room rent, doctor consultations, nursing charges, ICU costs, surgeries, medicines, and diagnostic tests, as mentioned in the policy terms. It reduces the financial burden during unexpected medical emergencies.

    • Cashless Treatment at Network Hospitals

      When it comes to accessing extensive network hospitals across Delhi, be it for an emergency or planned hospitalisation, a reliable health insurance minimises out-of-pocket charges, enabling eligible cashless treatment at network hospitals, subject to policy terms.

    • Financial Protection Against Rising Medical Costs

      Healthcare expenses continue to rise every year across Delhi. In such a situation, robust health insurance can protect your savings by covering eligible medical costs. This allows policyholders to receive quality treatment without disrupting their long-term financial goals or emergency funds.

    • Coverage for Pre- and Post-Hospitalisation Expenses

      Many health insurance policies cover medical expenses incurred before hospital admission and after discharge for eligible treatments. These may include doctor consultations, prescribed medicines, follow-up visits, and diagnostic investigations, subject to the policy conditions.

    • Tax Benefits Under Section 126

      Premiums paid towards eligible health insurance policies may qualify for tax deductions under Section 80D of the Income Tax Act. This enables policyholders to reduce their taxable income while investing in their family's healthcare and financial well-being.

    • Protection for the Entire Family

      Family floater health insurance plans provide coverage for multiple family members under a single sum insured. This simplifies policy management while offering financial protection against unexpected medical expenses for your spouse, children, and dependent parents.

    • Coverage for Critical Illnesses

      Many health insurance policies offer coverage or optional add-ons for specified critical illnesses such as cancer, kidney failure, stroke, and heart disease. This financial support helps manage high treatment costs associated with serious medical conditions.

    • No Claim Bonus Benefits

      If no claim is made during the policy year, many insurers reward policyholders with a No Claim Bonus (NCB). Depending on the policy terms, this may increase the sum insured without a proportional increase in premium, enhancing your coverage over time.

    • Easy Online Purchase and Renewal

      Buying or renewing medical insurance in Delhi is quick and convenient through online platforms. You can compare plans, customise coverage, pay premiums securely, download policy documents, and renew your policy anytime without extensive paperwork.

    Types of Health Insurance in Delhi

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    Individual Health Insurance

    For a single person, such as a working professional or young adult, individual health insurance with a dedicated sum insured is ideal. This type of policy allows policyholders to utilise the whole coverage amount for different medical expenses.

    For example, expenses may arise from hospitalisation, daycare procedures, surgeries, and other treatments as mentioned in the policy. Furthermore, they can seek personalised coverage with benefits tailored to their healthcare budget and needs. 

    View Plans Know More

    Family Floater Health Insurance

    When it comes to covering multiple family members under a single sum insured at an affordable price, there is no better alternative to a family floater health insurance. It includes the policyholder, spouse, dependent children and in some cases, parents.

    Since there is one policy and one premium, families receive financial protection against all kinds of eligible medical expenses while simplifying policy management and renewals.

    View Plans Know More

    Senior Citizen Health Insurance

    Designed particularly for individuals aged 60 years and above, senior citizen health insurance provides financial support for different age-related illnesses, hospitalisation, surgeries and other eligible medical treatments as mentioned in the policy.

    With this type of plan, senior citizens access quality healthcare, reducing the financial impact of rising medical expenses at the time of their retirement.

    View Plans Know More

    Critical Illness Insurance

    A critical illness insurance policy offers financial assistance in case the insured is diagnosed with an illness that the policy covers. The coverage under this type of policy is strictly subject to the policy terms and conditions.

    Depending on the type of policy, the policyholder may receive a lump-sum benefit that can be used to cover treatment expenses, rehabilitation, household costs, or income replacement at the time of recovery from a serious medical condition.

    View Plans Know More

    Top-Up and Super Top-Up Health Insurance

    The top -up and super top-up are not standard plans, but they help in enhancing your existing health insurance coverage. Once a specified deductible is crossed, these plans provide additional financial protection, so the treatments continue without any disruptions.

    These plans are ideal for individuals looking for higher coverage at an affordable premium. So, the policyholders can manage expensive treatments or prolonged hospitalisation without significantly increasing overall insurance costs.

    View Plans Know More

    Women's Health Insurance

    To address the unique healthcare requirements of women at different stages of life, women's Health Insurance plans are designed. Depending on the policy, they may offer coverage for maternity-related expenses, newborn care, gynaecological treatments, critical illnesses affecting women, and preventive health services, offering comprehensive financial protection for women's healthcare needs.

    View Plans Know More

    Factors to Consider When Choosing Medical Insurance in Delhi

    When it comes to choosing the right health insurance in Delhi, it is crucial to evaluate and analyse your personal healthcare needs, premium affordability, and policy features. Moreover, it is highly recommended to ensure the insurer is reliable, efficient and offers robust customer support.

    Here are some of the factors you must consider while purchasing health insurance in Delhi:

    1

    Sum Insured Amount

    To cope with consistently rising medical expenses in Delhi, it is critical to choose a sum insured amount considering age, family size, lifestyle habits, existing health conditions and probable treatment costs. It is safe to choose a higher sum insured as it can protect you during major medical emergencies or prolonged hospitalisation.

    2

    Coverage Benefits

    Reviewing policy coverage is another significant factor. For example, if you are buying a family floater plan, check whether it includes hospitalisation, ambulance charges, daycare procedures, domiciliary treatment and other medical benefits for all the members. That way, you will know the scope of coverage.

    3

    Network Hospitals

    Choosing insurers that have a wide network of hospitals across Delhi and the NCR area will enable you to receive eligible cashless benefits conveniently. This will reduce out-of-pocket charges and ensure quicker access to quality healthcare during emergencies.

    4

    Waiting Period

    Most standard policies have waiting periods for pre-existing diseases, specific illnesses, and certain treatments. Waiting periods vary depending on the policy and medical condition. It is important to review these carefully before purchasing health insurance.

    5

    Claim Settlement Process

    When an insurer’s claim settlement process is simple and efficient, it makes a significant difference during medical emergencies. It is best to choose an insurer that ensures seamless cashless and reimbursement claim assistance, transparent procedures, and prompt customer support.

    6

    Policy Exclusions

    It is crucial to carefully read the list of policy exclusions before buying health insurance in Delhi. When you understand what is not covered, such as self-inflicted injuries, cosmetic or experimental treatments, you can avoid unexpected claim rejections and make an informed decision.

    7

    Co-payment and Sub-limits

    Check whether the policy includes co-payment clauses, room rent limits, disease-specific caps, or other sub-limits. These out-of-pocket expenses may directly impact your claim amount, which is why it is important to understand them during policy purchase.

    8

    Additional Benefits and Add-ons

    Optional add-ons such as critical illness cover, maternity benefits, personal accident cover, OPD benefits, wellness programmes, and annual health check-ups help in enhancing standard policy coverage to a great extent. Insurance experts recommend evaluating these features to customise your health insurance in Delhi based on your specific healthcare needs.

    9

    Premium Affordability

    While purchasing the best health insurance in Delhi, make sure the premium is affordable in the long term. Many people make the mistake of choosing a policy with a lower premium and limited coverage. Whereas premium affordability matters, the coverage matters too. It is ideal to buy a policy that aligns with premium affordability and requirements.

    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

    Buy Now

    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

    Renew Now

    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

    Claim Now

    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

    Port Now

    How to Claim Health Insurance in Delhi?

    Depending on whether you are choosing a network hospital for treatment or not, your claim process differs. Whereas hospitalisation at a network hospital leads to a cashless claim, if you choose a non-network hospital, you are eligible for a reimbursement claim.

    To make a claim under health insurance in Delhi, both cashless and reimbursement, follow these steps:

    Cashless Claim

    1
    1. Notify the insurer within 24 hours of hospitalisation.
    2
    1. Visit a network hospital that has a collaboration with Bajaj General Insurance.
    3
    1. Submit your health insurance policy card at the TPA desk.
    4
    1. Complete and submit the pre-authorisation request form.
    5
    1. The hospital will send the request to Bajaj General Insurance for approval.
    6
    1. Once approved, the insurer will settle the bill on your behalf as per policy terms.
    7
    1. During discharge, you only have to pay the non-medical or uncovered expenses. 

    Reimbursement Claim

    1
    1. Notify Bajaj General Insurance and start treatment at a non-network hospital.
    2
    1. Pay the hospitalisation bill and collect all the invoices, discharge summary, etc.
    3
    1. Fill in the claim form accurately.
    4
    1. Submit the required documents within the stipulated time.
    5
    1. Based on your submission, Bajaj General will review your claim request and verify the submitted documents.
    6
    1. If the claim is approved after document verification, the eligible amount will be credited to your registered bank account as per the policy terms.
     

    Bajaj General Health Insurance Office Address in Delhi

    If you prefer to buy a health insurance policy in Delhi offline, or require claim-related support or assistance during renewal, visit the nearest Bajaj General Insurance office or contact our customer support to avail prompt assistance. 

    Particulars Details

    Office

    Bajaj General Insurance – Delhi Branch (Moti Nagar) 

    Address

    Block no.4, DLF Tower, 15, Shivaji Marg, New Delhi 110015

    Phone No. 

    011-66278000 

    Services

    Health insurance purchase, policy servicing, renewals, claims assistance, and customer support

    Working Hours

    Monday to Friday (Business hours), excluding public holidays

    Support

    Customers can also access services online through the Bajaj General Insurance website or mobile app.

    Download Policy Documents

    Get instant access to policy details with a single click

    brochure

    Brochure
    PolicyWordings

    Policy Wordings
    PropasalForm

    Proposal Form
    -

    Claims Form
    CIS

    Customer Info Sheet
    Download

    FAQ's

    I am living in Delhi. How much health insurance coverage do I need?

    The exact amount of health insurance coverage for you in Delhi depends on several factors, such as your health history, age, family size, income, lifestyle, and future healthcare costs. Specifically, you need to determine your family health status, medical needs, and the health status of individuals to calculate the right amount of insurance coverage for different persons or on a family basis. 

    What are the tax benefits of health insurance in Delhi?

    Under Indian tax law, section 80D, individuals can claim a tax deduction on their paid premiums of health insurance plans for their families, themselves, and parents. For those under 60, the maximum deduction is ₹25,000 each year. On the other hand, for senior citizens, the deduction limit increases to ₹50,000 as a tax benefit on their insurance plan. 

    What type of health insurance is best for families in Delhi?

    Family floater plans are ideal as they cover all family members under a single policy. You can look for plans offering cashless treatment, high sum insured, critical illness cover, and annual health check-ups.

    Does health insurance in Delhi cover pollution-related illnesses?

    Many plans cover respiratory conditions like asthma, bronchitis, and COPD if they are not pre-existing at the time of purchase. However, coverage depends on policy terms, so reviewing inclusions and exclusions is essential.

    How can I check the premium amount of my health insurance policy in Delhi?

    Use an online health insurance calculator available on the Bajaj General Insurance website to check your premium amount, enter the basic details of your policy, phone number, PIN code, insurance plan health status, and some insured to get an instant health insurance premium code in your registered phone number.

    Do I Need to Survive for a Certain Period After Diagnosis to Claim the Benefit?

    Yes. A 30-day survival period after diagnosis is mandatory.

    Can I Buy the Critical Illness Plan Online Without Any Paperwork?

    Yes. The entire purchase process is completely digital.

    Is the Policy Document Sent Immediately After Online Payment?

    Yes. The document is emailed instantly after successful payment.

    Is There Any Medical Test Required Before Purchasing a Critical Illness Rider?

     Medical tests may be required depending on age and health conditions based on underwriting guidelines.

    How many times can I claim medical insurance under one policy?

    You can file medical insurance claims multiple times in a policy year as long as the total amount claimed does not exceed your total sum insured. Some policies may have additional restrictions, so it is essential to read the terms and conditions thoroughly.

    Can I Switch from Another Insurer to Bajaj General Insurance Without Losing Coverage?

    Yes. Portability benefits allow switching without losing accrued benefits if done within guidelines.

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    • Comprehensive cover for health, accident & critical illness
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    • Medical & trip cover for a stress-free journey
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    What Our Customers Say

    Highly satisfied

    Clear policies, easy renewal, and great coverage options. Highly satisfied with this health insurance app.

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    Piyush Kumar

    Mumbai

    5

    17th Mar 2025

    Highly recommend!

    Managing my health, vehicle & cyber insurance is so simple with this app. Highly recommend!

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    Pooja Kaushik

    Vadodara

    5

    2nd Feb 2025

    Simple, fast & effective!

    A reliable health insurance app with all features in one place—simple, fast & effective!

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    Hrithik Mishra

    Delhi

    5

    31st Jan 2025

    Love this app!

    Managing my family’s health insurance has never been this convenient. Love this app!

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    Shagun Gupta

    Mumbai

    4.8

    31st Jan 2025

    Reliable & affordable

    Reliable & affordable medical insurance plan—gives complete health security for my family.

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    Shubham Singh

    Delhi

    5

    30th Jan 2025

    Financial convenience

    Medical crises are stressful, but financial convenience is guaranteed by this health plan

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    Pushpendra Gurjar

    Mumbai

    5

    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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    Rajesh Kumar

    Mumbai

    5

    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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    Gautam Mongia

    Delhi

    5

    24th Jan 2025

    Award and Accolades

    Awards
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    Bajaj General General Insurance won IBEX award
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