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Health Insurance
Health Prime Rider
Key Features
Reinventing Wellness
Coverage Highlights
Enhance your health insurance with extra protection, including OPD and much more
Unlimited Tele-Consultation
Round-the-clock access to medical professionals through video, audio, or chat channel for primary and follow-up consultations
Doctor Consultation Cover
In-person doctor visits covered at designated network centres
Preventive Health Check-ups
Annual screenings, including fasting blood sugar, ECG, lipid profile, and liver function tests
Physical Fitness Coverage
Expert consultations to promote physical well-being and fitness routines
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?Medical Consultation Cover
Doctor consultation (in clinic) & Tele-consultation benefits available for various options
Mental Wellness Consultation
Counselling sessions for emotional and psychological well-being
Dental Wellness
Covers Dental Consultation, investigation & procedures
Pathology & Radiology Cover
Covers essential diagnostic tests at network centres
Fitness & Nutrition Support
Access to expert guidance on exercise routines and dietary habits
Note
Please read policy wording for detailed terms and conditions
Exclusions
What’s not covered?Cosmetic Treatments
Excludes plastic surgery and other aesthetic procedures unless medically necessary
Maternity Benefits
No coverage for prenatal or postnatal care, delivery, or newborn-related expenses
Pre-Existing Conditions
Waiting period for pre-existing diseases is applicable as per the base policy
Note
Please read policy wording for detailed exclusions
What is Health Prime Rider?
Health Prime Rider is an add-on health insurance policy that provides enhanced coverage for various medical expenses, ensuring financial protection during unexpected healthcare emergencies. It is designed to enhance the coverage of your existing health insurance policy by providing additional benefits.
Key Coverages of A Health Prime Rider
Teleconsultation Cover:
If the Insured member is suffering from any illness or injury, he / she can consult Medical Practitioner/ Physician/Doctor listed on the Digital platform of concerned service provider’s application via video, audio, or chat channel.
Doctor Consultation Cover (In Clinic):
If the Insured/Insured members are suffering from any illness or injury they can consult doctors in person from prescribed network centers or can consult doctors outside prescribed network centers up to the limit as specified under this Rider.
Doctor-Prescribed Investigations Cover – Pathology & Radiology Expenses:
If the Insured/Insured members are suffering from any illness or injury they can avail the service for investigations for pathology or radiology from prescribed network centers or outside prescribed network centers up the limit as specified under this rider.
Annual Preventive Health Check -up Cover:
The Insured/Insured member/s can avail the free Preventive health check-up once a year.
Dental wellness: Consultation, Investigation & Procedures:
Expenses for consultation with dentist, dental fillings, dental X-ray investigation, procedures like root canal treatment, extractions, crown restorations are covered.
Diet & Nutrition Consultations:
Get expert advice on how to maintain a balance between good nutrition and diet. Video/audio/chat consultation with renowned Dieticians and Nutritionist listed on the digital platform is covered.
Emotional Wellness:
Consult an emotional health coach/psychologist listed on the Digital platform.
Physical Fitness coverage:
Avail fitness facilities in network Gymnasiums, a total of 365 sessions, one session per day.
Benefits You Deserve
Online Discount
Pay online, skip middleman, get discounts
Time Saving
Just a few clicks and you are covered
Lifetime Renewability
A few clicks to keep your medical coverage lifelong.
Benefits of Choosing Bajaj General Health Prime Rider
- Extensive coverage: With its comprehensive coverage, Bajaj General Health Prime Rider provides peace of mind by safeguarding individuals and their families against rising medical costs.
- Flexibility: Policyholders can customize their coverage by adding optional riders, such as the critical illness cover, to tailor the plan to their specific needs.
- Cashless hospitalization: The cashless hospitalization facility at a vast network of hospitals ensures a hassle-free experience during medical emergencies, eliminating the need for upfront payment.
- Preventive care: The annual health check-up benefit encourages policyholders to prioritize preventive healthcare measures, promoting early detection and timely treatment of potential health issues.
At-A-Glance
Compare Insurance Plans Made for You
| Cover Name |
Individual Option 2 |
Individual Option 5 |
Individual Option 7 |
Individual Option 8 |
Floater Option 4 |
Floater Option 5 |
Floater Option 6 |
|---|---|---|---|---|---|---|---|
| Tele Consultation Cover (Insta Consultation) | Unlimited (All Specialties) | Unlimited (All Specialties) | Unlimited (All Specialties) | Unlimited (All Specialties) | Unlimited (All Specialties) | Unlimited (All Specialties) | Unlimited (All Specialties) |
| Doctor Consultation Cover (In-clinic) | - | 3000 | 7500 | 30000 | 10000 | 12500 | 30000 |
| Doctor prescribed Investigations Cover – Pathology & Radiology Cover | 1500 | 7000 | 7500 | 30000 | 10000 | 12500 | 30000 |
| Annual Preventive Health Check-up cover | 1 Voucher (Silver) | 1 Voucher (Silver) | 1 Voucher (Gold) | 1 Voucher (Platinum) | 2 Voucher (Gold) | 4 Voucher (Gold) | 4 Voucher (Platinum) |
| Dental Wellness - Consultation, Investigation & Procedures Cover | - | - | 5000 | 30000 | 10000 | 12500 | 30000 |
| Diet & Nutrition Consultations | - | - | 10 Sessions | 30 Sessions | 15 Sessions | 25 Sessions | 30 Sessions |
| Emotional Wellness | - | - | 6 sessions | 20 sessions | 8 sessions | 15 sessions | 20 sessions |
| Physical Fitness coverage | - | - | - | 365 Sessions | - | - | 365 Sessions |
Download Policy Documents
Get instant access to policy details with a single click
Why Insure Your Health with Bajaj General?
Buy Now
Why Choose Bajaj General Health Prime Rider?
Bajaj General Insurance Limited is a reputed and trusted name in the insurance industry, known for its customer-centric approach and prompt claim settlement process with it’s in house Health Administration Team to support every step of the way. With Health Prime Rider, individuals can secure their financial future and enjoy peace of mind, knowing that their healthcare needs are well-protected with this enhanced add-on.
Advantages of Opting for Health Prime Rider Add-On
There are several reasons why you should consider adding an add-on to your health insurance policy as an individual or for your family:
Reason | Description |
Enhanced coverage | Add-ons allow you to extend the scope of your health insurance policy and include additional benefits or treatments that may not be covered under the base plan. |
Customized protection | Different individuals or families may have varying healthcare needs based on their age, medical history, or lifestyle. Add-ons enable you to tailor your health insurance policy to your specific requirements, ensuring that you have the necessary coverage when you need it. |
Cost-effective | While add-ons come at an additional premium, they can be more cost-effective in the long run compared to paying out-of-pocket expenses for treatments or procedures not covered by the base plan. This can help you avoid financial strain in case of medical emergencies or costly treatments. |
Preventive care | It provides coverage for preventive health check-ups, which can help detect potential health issues early and facilitate timely treatment, potentially reducing the overall healthcare costs. |
Tax benefits | The premiums paid towards add-ons are eligible for tax deductions, providing additional financial benefits. |
Peace of mind | By opting for relevant add-ons, you can have greater peace of mind knowing that you and your family are better protected against various healthcare contingencies, reducing the financial burden in case of unexpected medical expenses. |
It's important to carefully evaluate your individual or family's healthcare needs, review the available add-on options, and consult with your insurance provider or a financial advisor to make an informed decision about the most suitable add-ons for your health insurance policy.
Health Companion
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How to Buy
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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
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- Customised plans that grow with you
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- 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
How does the Health Prime Rider enhance the overall health insurance coverage?
The Health Prime Rider enhances a health insurance policy by adding preventive check-ups, unlimited teleconsultations, and wellness services, including dental, nutritional, emotional, and fitness care. It helps reduce out-of-pocket costs and provides proactive healthcare support beyond standard hospitalization coverage.
What is the validity period of the Health Prime Rider once purchased?
The validity of the Health Prime Rider matches the tenure of the base health insurance policy. It remains active for the same duration, ensuring continuity without separate renewals.
Is there any age limit to opt for the Health Prime Rider?
The eligibility age is the same as the base health insurance policy. This ensures customers across different age groups can benefit from the Bajaj General Insurance Health Prime Rider without restrictions.
Does the Health Prime Rider provide wellness or teleconsultation services?
Yes, the Health Prime Rider offers unlimited 24x7 teleconsultations and access to wellness features such as dental care, fitness sessions, emotional well-being, and nutrition consultations.
Is the Health Prime Rider available under government health insurance policies?
No, this rider is only available with select Bajaj General Insurance health insurance and personal accident policies, not under government health schemes.
Can the Health Prime Rider be ported along with the base policy to another insurer?
The rider cannot be ported to another insurer. It is exclusive to Bajaj General Insurance health insurance policies, though the base policy may be portable.
Is the premium for the Health Prime Rider fixed across all policies?
No, it varies depending on the rider variant, coverage type, and applicable discounts. Each policyholder’s premium differs depending on selected benefits.
Can I customise the coverage offered by the Health Prime Rider in my policy?
Yes, customers can select from different rider variants to include services such as teleconsultation, fitness, emotional wellness, or dental care, depending on their specific needs.
Are there any waiting periods applicable in Health Prime Rider policies?
Yes, a 30-day waiting period applies to all covers, while pre-existing disease waiting periods follow the base policy.
How is the premium for the Health Prime Rider calculated?
Premiums depend on the variant chosen, type of policy, and co-pay options. They start at affordable rates and cannot exceed 33% of the base health insurance policy premium.
What documents are needed to initiate a Health Prime Rider claim?
Policy documents, rider certificate, medical prescriptions or reports, and a valid photo ID proof are generally required to initiate a claim.
Are there any sub-limits on the claim amount under the Health Prime Rider?
Yes, each rider option has defined sub-limits for consultations, diagnostics, dental, and wellness services.
Is pre-authorisation required for Health Prime Rider claims?
Pre-authorisation is not required for cashless teleconsultations or preventive check-ups, but may be needed for certain offline claims.
Can I track my Health Prime Rider claim status online?
Yes, claims can be tracked through the Bajaj General App or the Bajaj General Insurance website, which also allows policy renewals and management.
What should I do if my Health Prime Rider claim is denied?
If denied, review the reason, submit any missing documents, or escalate the issue through customer support for assistance.
Is there a grace period for renewing the Health Prime Rider?
Yes, a grace period is provided for renewal; however, claims made during this time are not admissible.
Does the Health Prime Rider renewal require a medical check-up?
Renewal usually does not require a medical check-up unless specifically requested by the insurer.
Will my Health Prime Rider benefits remain the same after renewal?
Yes, benefits generally remain unchanged after renewal unless Bajaj General revises the product.
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