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Key Features
An All-rounder GST Free Health Cover to Guard Your Family
Coverage Highlights
Get comprehensive coverage for your healthChoose from Best of Plans
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
We all look at the mirror occasionally and wonder if we are truly healthy. It is not merely about how you look in a certain outfit; it is about how you feel on the inside. An ideal weight calculator is a roadmap to better health.
It helps you understand where you stand and what changes you might need to make. Let us help you decode your body’s unique needs so you can focus on living your best life, worry-free and confident.
An ideal weight calculator is a digital tool designed to help you discover a target body weight tailored specifically to your physiology. It factors in variables such as your gender, height, and age to provide a benchmark.
Unlike a simple scale that only gives you a raw number, this calculator uses trusted medical formulas to provide a personalised goal.
Understanding your optimal weight is really vital because it serves as a baseline for detecting potential health issues before they become severe.
Maintaining a weight within the ideal range significantly reduces the risk of chronic conditions such as type 2 diabetes, hypertension, and cardiovascular diseases.
Note: Though these calculators provide excellent estimates, they should be used as a guideline. Individual factors like muscle density and bone frame size also play a role.
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 |
Track, Manage & Thrive with Your All-In-One Health Companion
From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
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Experience integrated health management with us by connecting all aspects of your health in one place
Schedule your visit for personalised solutions and guidance that you can trust!
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Step-by-Step Guide
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
The concept of "ideal weight" is scientific, not arbitrary.
It is the healthy weight range that supports proper body functioning. The calculation relies on medically accepted formulas. The most prominent among these is the Divine Formula, which is widely used in healthcare and insurance evaluations.
Developed in 1974, this formula is the industry standard. It was originally intended for calculating medication dosages, but became the go-to method for estimating body weight because it aligns well with healthy Body Mass Index (BMI) ranges.
1. For Men: 50 kg + 2.3 kg for every inch of height over 5 feet.
2. For Women: 45.5 kg + 2.3 kg for every inch of height over 5 feet.
If a man is 5 feet 10 inches tall (which is 10 inches over 5 feet):
1. Calculation: 50 + (2.3 x 10) = 73 kg.
This calculation shows how an ideal body weight calculator estimates your benchmark. It offers a reliable starting point for maintaining good health.
Although the Devine formula is the standard, human bodies are diverse. Other formulas exist to cater to different body frames and builds.
Formula Name | Best Used For | Description |
Miller Formula | Athletic Builds | This formula often provides estimates on the higher end. Individuals favour it with more muscle mass. |
Robinson Formula | Smaller Frames | Introduced in 1983, this offers a more conservative estimate, making it suitable for people with a slighter build. |
Hamwi Formula | Medical/Strict | One of the earliest formulas (1960s). It provides a stricter ideal weight, often used for managing chronic diseases. |
A child’s body is constantly changing. Their healthy weight is dynamic and shifts as they grow in height and age. Paediatricians do not strictly use the adult formulas mentioned above. Instead, they use specialised growth charts to compare a child's height and weight against the average for their age group.
However, for a general estimation, specific mathematical approaches are used in a healthy weight calculator for kids.
1. Infants (< 12 months): (Age in months + 9) / 2
2. Children (1-5 years): 2 x (Age in years + 5)
3. Children (5-14 years): 4 x Age in years
Assessing a child's weight involves looking at their overall well-being.
Are they active?
Are they meeting developmental milestones?
If you suspect your child is underweight or overweight, consult a paediatrician.
Body Mass Index (BMI) is a globally recognised method to classify individuals. It is a simple calculation using your weight relative to your height.
The BMI Formula:
BMI = Weight (kg) / Height (m)2
1. Underweight: BMI below 18.5
2. Healthy Weight: BMI between 18.5 -24.9
3. Overweight: BMI between 25 - 29.9
4. Obese: BMI of 30 or higher
Using a healthy weight calculator to find your BMI gives you an instant "snapshot" of your health status. If your BMI falls outside the healthy range, it is a signal to examine your lifestyle choices.
Though BMI is useful, it does not distinguish between muscle mass and fat. A professional athlete with high muscle density might be classified as "overweight" on a BMI scale, despite having very low body fat.
1. Adults: It may underestimate fat in older adults who have lost muscle.
2. Children: It does not account for the varying rates of maturation in adolescents.
3. Ethnicity: Different ethnic groups carry health risks at different BMI points.
Research confirms that "Ideal Weight" varies significantly by race. For example, while the standard "Overweight" threshold is a BMI of 25 for Caucasians, the World Health Organization (WHO) suggests a lower threshold of 23 for South Asian populations.
This is because South Asians often have a higher body fat percentage and a higher risk of type 2 diabetes at a lower BMI compared to other groups.
This is why looking at your ideal body fat percentage calculator results alongside BMI is superior for a complete health assessment.
If you want a more accurate predictor of health risks than BMI, look at your Waist-to-Height Ratio. This measures abdominal fat specifically. Fat stored around the belly is more dangerous than fat stored in the hips or thighs because it surrounds vital organs.
Divide your waist circumference by your height.
WHtR = Waist (cm) / Height (cm)
Your waist circumference should be less than half of your height.
For example, if you are 170 cm tall, your waist should ideally be less than 85 cm.
1. 0.40 - 0.49: Healthy Range
2. 0.50 - 0.59: Overweight (Increased Risk)
3. 0.60+: High Risk (Obesity)
A high ratio indicates a higher risk of heart disease and diabetes, even if your weight seems normal on a scale.
Understanding these ratios helps you manage your physical health. However, managing your financial health is just as critical. Lifestyle diseases are on the rise, and medical inflation is real. A health insurance policy acts as a shield, ensuring that if you do need medical intervention, your savings remain untouched.
Get a quote for Bajaj General Insurance now. [Get Quote]
Weight is not just one thing; it is the sum of muscle, bone, water, and fat. An ideal body fat percentage calculator breaks this down.
Healthy Body Fat Ranges:
1. Men: 10%- 20%
2. Women: 20%- 30%
Two people can weigh exactly the same but look completely different and have different health profiles depending on their body fat percentage. Lean body mass (everything that is not fat) typically accounts for 60% to 90% of your weight.
If you know your lean body mass, you can determine your target weight for a specific body fat percentage using this formula:
Desired Weight = Lean Weight / 1 - Desired Body Fat Percentage
Once you have used the ideal body weight calculator and know your target, the path to get there involves energy balance: Calories In vs. Calories Out.
You must create a calorie deficit. This means you eat fewer calories than your body burns in a day.
1. The Math: A deficit of 500 to 1000 kcal per day typically results in a weight loss of 0.5 kg to 1 kg per week.
2. Safety limit: Women should generally not eat less than 1200 calories, and men not less than 1800 calories per day, without medical supervision.
If you are underweight, you need a calorie surplus.
1. Slow Gain: Eat 300 to 500 calories above your maintenance level.
2. Fast Gain: Eat 700 to 1000 calories above your maintenance level.
3. Food Choices: Focus on nutrient-dense foods like nuts, whole grains, and lean proteins, not just junk food.
Ignoring your weight status can lead to severe consequences.
1. Nutritional Deficiencies: Lack of essential vitamins and minerals.
2. Osteoporosis: Weak bones that break easily.
3. Lowered Immunity: The body struggles to fight off infections.
4. Hormonal Imbalances: In women, this can lead to disrupted menstrual cycles and fertility issues.
1. Cardiovascular Issues: High blood pressure and high cholesterol.
2. Type 2 Diabetes: The body struggles to manage blood sugar.
3. Joint Pain: Osteoarthritis caused by excess pressure on joints.
4. Sleep Apnea: Breathing problems during sleep.
5. Mental Health: Increased risk of depression and anxiety.
Achieving your results from the healthy weight calculator requires consistent lifestyle changes.
1. Prioritise Breakfast: It jumpstarts your metabolism.
2. Portion Control: Use smaller plates to manage how much you eat without feeling deprived.
3. Reduce Screen Time: High screen time is strongly correlated with a sedentary lifestyle and weight gain.
4. The 5-a-Day Rule: Eat at least 5 servings of fruits and vegetables daily. They are high in fibre, which keeps you full.
5. Hydrate: Often, thirst is mistaken for hunger. Drink water throughout the day.
Even the fittest individuals can face accidents or sudden illnesses. Do not leave your future to chance. Pair your health goals with a robust financial safety net. Bajaj General Insurance offers comprehensive health insurance designed to support you when you need it most.
Take the next step for your well-being. [Get Insured with Bajaj General Insurance]
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No, it is a guideline. These calculators provide an estimate based on averages. They do not account for muscle mass, bone density, or specific health conditions. Always consult a doctor for a full assessment.
It is generally recommended to weigh yourself once a week, at the same time of day (usually morning), and wearing similar clothing. Daily fluctuations are normal and can be due to water retention, so weekly checks give a better trend.
Yes. This is often called "skinny fat." You might have a normal weight but a high percentage of body fat and low muscle mass, which carries similar health risks to being overweight.
Typically, standard health insurance covers hospitalisation and medical treatments. However, some comprehensive health insurance plans may offer wellness benefits or cover specialists related to obesity if it is life-threatening. It is best to check the hospitalisation of your Bajaj General Insurance plan.
Men and women biologically store fat differently and have different muscle mass compositions. Men generally have more lean muscle and heavier bone structures, which the formulas account for to provide an accurate estimate.
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.
Request a physical copy from the insurer or take a printout of the digital policy document received via email.
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
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.
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
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.
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.
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.
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
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.
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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