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    Health Insurance

    Health Prime Rider

    HealthPrimeRider

    Key Features

    Reinventing Wellness

    Coverage Highlights

    Enhance your health insurance with extra protection, including OPD and much more
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    • Unlimited Tele-Consultation

    Round-the-clock access to medical professionals through video, audio, or chat channel for primary and follow-up consultations

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    • Doctor Consultation Cover

    In-person doctor visits covered at designated network centres

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    • Preventive Health Check-ups

    Annual screenings, including fasting blood sugar, ECG, lipid profile, and liver function tests

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    • Physical Fitness Coverage

    Expert consultations to promote physical well-being and fitness routines

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    • Note

    Please read policy wording for detailed terms and conditions

    Inclusions

    What’s covered?
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    • Medical Consultation Cover

    Doctor consultation (in clinic) & Tele-consultation benefits available for various options

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    • Mental Wellness Consultation

    Counselling sessions for emotional and psychological well-being

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    • Dental Wellness

    Covers Dental Consultation, investigation & procedures

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    • Pathology & Radiology Cover

    Covers essential diagnostic tests at network centres

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    • Fitness & Nutrition Support

    Access to expert guidance on exercise routines and dietary habits

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    • Note

    Please read policy wording for detailed terms and conditions

    Exclusions

    What’s not covered?
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    • Cosmetic Treatments

    Excludes plastic surgery and other aesthetic procedures unless medically necessary

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    • Maternity Benefits

    No coverage for prenatal or postnatal care, delivery, or newborn-related expenses

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    • Pre-Existing Conditions

    Waiting period for pre-existing diseases is applicable as per the base policy

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    • Note

    Please read policy wording for detailed exclusions

    What is Health Prime Rider?

    Health Prime Rider is an add-on that helps extend your base health insurance policy coverage. It gives financial protection in case of an unexpected medical emergency. It provides additional healthcare support through OPD-related benefits, preventive check-ups, teleconsultations, dental wellness, nutrition consultations, emotional wellness, and fitness services, depending on the selected rider option. Furthermore, the rider/add-on top-up is ideal for covering OPD consultation expenses, annual preventive checkups and wellness initiatives.

    Anyone looking to extend their individual or family floater cover can choose the Bajaj Health Prime Rider Policy. Besides the common medical expenses, policyholders can avail benefits of unlimited teleconsultation cover, emotional and dental wellness cover, along with diet and nutrition consultations. 

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    Quick Overview:

    • 1

      Benefits:

      1. Preventive health check-ups, 24/7 teleconsultation, emotional wellness cover, dental wellness benefits, and access to multiple healthcare support services.

    • 2

      Policy Tenure: The Health Prime rider tenure remains aligned with the tenure of the base health insurance policy. However, it is subject to policy terms and conditions.

    • 3

      Coverage Detail: Starting with preventive screenings, teleconsultations, counselling support, and psychological assessments, the policy also covers dental wellness services.

    • 4

      Eligibility Criteria:

      1. Age eligibility under the Health Prime Rider is as per the base policy with which the rider is opted.

    • 5

      Required Documents: Completed proposal form, identity proof, address proof, age proof, and any additional documents requested by the insurer.

    • 6

      Purchase Process: Select the Health Prime Rider when purchasing or renewing the basic health plan, submit required documents, complete the application process, and pay the applicable premium. 

    Read More

    Why Choose Bajaj General Health Prime Rider?

    In case you are confused as to why choose Bajaj Health Prime Rider when you are planning to buy a health insurance policy, know the reasons below:

    • Preventive Check-up

      The policy provides financial support to policyholders, so they can do annual health screenings as a preventive measure. It includes fasting blood sugar, lipid profile, ECG, and liver function tests.

    • 24/7 Teleconsultation

      The Health Prime health insurance enables policyholders to access unlimited round-the-clock access to medical experts through audio and video chats. They can also use the telecommunication for treatment follow-ups.

    • Affordable Premium

      The primary reason why people lean more towards buying the Health Prime rider is its affordability. The policy not only ensures physical but also mental well-being of policyholders.

    • Emotional Wellness Cover

      The Health Prime rider covers consultations with an emotional health coach/psychologist through the digital platform. That way, the policy encourages maintaining emotional health.

    • Multiple Cover Availability

      The Health Prime add-on cover provides comprehensive healthcare assistance that eliminates the need to purchase separate cover. This enables policyholders to access preventive care and teleconsultation services, as well as emotional and dental wellness support.

    • Dental Wellness

      Whereas dental cover is excluded in most standard health plans, adding the Health Prime on top of that base plan helps policyholders manage routine dental care expenses with ease.

    Health Prime Rider at a Glance

    When getting the Health Prime Rider with Bajaj Health Insurance policy, here are what you get:

    Sr. No. Features What is it

    1

    Teleconsultation Cover

    It allows patients to talk to qualified medical professionals remotely via video call and chats. 

    2

    Diet and Nutrition Cover

    Policyholders get financial coverage for consulting experts so that they can maintain a healthy lifestyle and balanced diet.

    3

    Annual Preventive Health Checkup

    It is a wellness benefit that allows policyholders to have a free-of-cost comprehensive health screening once a year. 

    4

    Dental Wellness

    The rider covers routine dentist consultations, common procedures such as root canals, dental X-rays, and so on.

    5

    Physical Fitness Cover

    Policyholders access fitness facilities at network gymnasiums up to 365 sessions.

    6

    Emotional Wellness Cover

    The rider financially covers consultation fees of emotional health coaches and psychologists.

    Key Coverages of Health Prime Rider

    Bajaj General Health Prime Rider enhances your existing health insurance coverage by extending protection, convenience and flexibility, so you can manage medical expenses more efficiently.

     

    Key coverage of Bajaj Health Prime health insurance includes:

    1
    1. 90,000+ specialised doctors ready for consultation through telecommunication. 
    2
    1. Routine dental checkups within a few days of the waiting period. 
    3
    1. Expert guidance on good nutrition and diet. 
    4
    1. 45+ preventive annual health checkups at network centres. 
    5
    1. Radiology and pathology expense coverage. 
    6
    1. Physical fitness coverage up to 365 sessions at network gymnasiums. 
    7
    1. Financial support for consulting an emotional health coach or psychologist. 
     

    Benefits of Choosing Bajaj General Health Prime Rider

    Following are the benefits you must know about when planning to get the Bajaj General Insurance Health Prime Rider:

    What are the Eligibility Criteria for Buying Health Prime Rider?

    Here are the eligibility criteria for buying Bajaj General Health Prime Rider:

    Eligibility Criteria Specifications

    Age 

    As per the base policy

    Nationality

    Indian

    Existing Health Insurance Policy 

    Policyholders owning a base health insurance policy from Bajaj General Insurance

    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

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      Confirm details and proceed

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      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

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      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

    Download Policy Documents

    Get instant access to policy details with a single click

    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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    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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    2nd Feb 2025

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    31st Jan 2025

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    30th Jan 2025

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    24th Jan 2025