Health Insurance
Heart Age Calculator
Key Features
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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
Heart Age Calculator: Test Your Cardiovascular Age in Just a Few Steps
Your heart has its own age, and may not match your birthday cake number. A heart age calculator can help you calculate your heart age in just a few steps. This online, simple-to-use tool instantly determines whether your heart is older, younger, or aligns with your actual age. It also helps you take care of yourself and change lifestyle habits.
Keep reading to understand how a heart age test calculator gives insight into your cardiovascular health, and why pairing this knowledge with the right health insurance plan is essential for long-term protection.
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 Heart Age Calculator?
The heart age calculator is a simple online calculator that allows you to calculate your cardiac age or cardiovascular age, considering key health parameters. This calculator requires details such as your actual age, sex, blood pressure, and cholesterol, whether you smoke, and whether you are diabetic or not. The results reflect your heart age compared with an individual with risk factors.
For example, you might be aged 50 years, but your heart age shows 50. This simplifies the understanding of the probability of heart disease compared to a percentage only. A heart age calculator (also known as a cardiac age calculator or cardiovascular age calculator) is not a diagnostic tool but rather an awareness tool.
What does a Heart Age Calculator Do?
Understanding what a Heart Age Calculator does is essential for anyone looking to assess and improve their cardiovascular health. This tool compares your heart age with your actual age, helping you understand whether your heart is ageing faster or staying healthier than expected. It evaluates several key health indicators to estimate your risk of heart disease.
Here is what the calculator generally considers:
1. Blood pressure levels
2. Cholesterol readings
3. Smoking habits or exposure
4. Body mass and weight-related factors
5. Personal and family medical history
By interpreting these inputs, the heart rate and age calculator gives you a clear picture of your cardiac health. If your heart age appears higher than your real age, it signals the need for lifestyle improvements such as healthier eating, regular exercise, and routine check-ups.
For added protection, explore health insurance options from Bajaj General Insurance. Plans like Criti Care offer essential coverage for heart-related medical conditions, ensuring financial security during unexpected health concerns.
What are the Benefits of Using a Heart Age Calculator?
The major benefits of using a heart age calculator include:
1. A heart age calculator allows you to realise your heart health in an easy manner. It reveals how old and young your heart is.
2. Enter simple and basic details such as blood pressure, cholesterol, weight, and lifestyle factors. This makes it easy to use for every individual.
3. The cardiac age calculator or heart age test is a tool encouraging a good lifestyle. Proper use of these tools promotes improved dietary and physical activity and stress management.
4. The calculator assists in detecting heart disease potential risks. Such risks include high blood pressure, smoking, diabetes, and obesity.
5. It guides you further to monitor your pulse rate and calculate heart rate by age for enhanced fitness planning.
Also, if your heart age is higher than your actual age, look into the health insurance for heart patients policies. Consider the Critical Illness Insurance from Bajaj General Insurance, offering wide health coverage and financial assistance for treatment.
What are the Risk Factors that Increase Your Heart Age?
The risk factors responsible for increasing your heart age include:
1. High blood pressure, which exerts additional pressure on your arteries (CDC).
2. The presence of high cholesterol and high LDL levels in particular causes the formation of plaque (CDC).
3. Smoking leads to damage to blood vessels and increases the risk of cardiovascular disease (WHO).
4. Diabetes accelerates the damage to the blood vessels (WHO).
5. Obesity or high BMI.
6. Lack of exercise causes poor functioning of the heart and lungs (AHA).
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Step-by-Step Guide
To guide you through your insurance journey.
How to Buy
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1
Visit Bajaj General website
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2
Enter personal details
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3
Compare health insurance plans
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4
Select suitable coverage
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5
Check discounts & offers
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6
Add optional benefits
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7
Proceed to secure payment
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Receive instant policy confirmation
How to Renew
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1
Login to the app
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2
Enter your current policy details
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3
Review and update coverage if required
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4
Check for renewal offers
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5
Add or remove riders
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6
Confirm details and proceed
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7
Complete renewal payment online
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8
Receive instant confirmation for your policy renewal
How to Claim
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1
Notify Bajaj General about the claim using app
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2
Submit all the required documents
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3
Choose cashless or reimbursement mode for your claim
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4
Avail treatment and share required bills
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5
Receive claim settlement after approval
How to Port
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1
Check eligibility for porting
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2
Compare new policy benefits
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3
Apply before your current policy expires
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4
Provide details of your existing policy
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5
Undergo risk assessment by Bajaj General
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6
Receive approval from Bajaj General
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7
Pay the premium for your new policy
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8
Receive policy documents & coverage details
Are Heart Age Calculators Accurate?
Heart age calculators offer helpful estimates but are not 100% accurate. They rely on medical research and general risk factors, not the actual condition of your heart. Their accuracy depends on the details you enter, such as cholesterol, blood pressure, smoking habits, and diabetes history. Incorrect data can affect results. Consider the heart age test as awareness, not a diagnosis.
If your heart age is higher, safeguard your well-being with a comprehensive health insurance plan from Bajaj General Insurance. Get the right coverage, timely support, and financial protection for future medical needs.
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FAQ's
What is the meaning of heart age?
A heart age is a complete assessment of factors responsible for heart diseases, such as blood pressure, age, sex, and cholesterol. A heart age calculator is used for estimating the risk of a heart attack for an individual.
Does a higher heart age indicate starting medication?
Yes, a heart age more than your actual age indicates a comparatively high risk of having a stroke or heart attack. So, it is recommended to consult your doctor and start medication.
Does a heart age calculator provide accurate results?
A heart age calculator provides estimated results and is not a medical diagnosis.
Who is eligible to use a heart age calculator?
Adults aged 30 years and above, smokers, and individuals with a history of heart disease in the family, diabetes, high BP, and a sedentary lifestyle can use a heart age calculator.
Is it possible to lower my heart age?
Yes, through regular exercise, quitting smoking, consuming healthy foods, and well-managing BP and cholesterol, it is possible to lower your heart age.
What to do if my heart age is comparatively higher than my actual age?
If your heart age is comparatively higher than your actual age, make sure to visit your doctor for a proper evaluation and improve your lifestyle habits. Also, make sure to track your health regularly.
How often is it recommended to check my heart age?
Doctors usually suggest checking your heart age every 6-12 months or after any major changes in lifestyle.
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.
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