Your Notifications are Empty.

    Browse our plans and add your selections to get started.

    Explore now Sign in

    Health Insurance

    Sleep Cycle Calculator

    HealthGuard

    Key Features

    An All-rounder GST Free Health Cover to Guard Your Family

    Coverage Highlights

    Get comprehensive coverage for your health
    • Bullet Icon
    • Choose from Best of Plans

    Choose from multiple plans to meet your requirements

    • Bullet Icon
    • Wide Sum Insured Options

    Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore

    • Bullet Icon
    • Unlimited Reinstatement Benefit & Recharge

    Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims

    • Bullet Icon
    • Maternity & Newborn Care

    Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans

    • Bullet Icon
    • Preventive Health Check-Up

    Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan

    • Bullet Icon
    • Online Discount

    Get flat 5% discount when you buy a policy on our website or our Bajaj General App

    • Bullet Icon
    • Zone Discount

    Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live

    • Bullet Icon
    • Fitness Discount & Wellness Discount

    Avail up to 12.5% wellness discount for healthy habits on renewal

    • Bullet Icon
    • Note

    Please read policy wording for detailed terms and conditions

    Inclusions

    What’s covered?
    • Bullet Icon
    • 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

    • Bullet Icon
    • 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

    • Bullet Icon
    • 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

    • Bullet Icon
    • AYUSH Hospitalization cost

    Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury

    • Bullet Icon
    • Maternity & Newborn Care

    Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans

    • Bullet Icon
    • 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

    • Bullet Icon
    • 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

    • Bullet Icon
    • Cumulative Bonus

    Sum Insured automatically increases at renewal by opted percentage if there is no claim in expiring period

    • Bullet Icon
    • 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

    • Bullet Icon
    • Note

    Please read policy wording for detailed terms and conditions

    Exclusions

    What’s not covered?
    • Bullet Icon
    • Initial Waiting Period

    Treatment expenses during the first 30 days except for treatment of accidental injuries

    • Bullet Icon
    • 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

    • Bullet Icon
    • 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

    • Bullet Icon
    • Maternity Expenses

    Treatment expenses related to maternity are excluded until 72 months from date of your first Health Guard Policy

    • Bullet Icon
    • Expenses for Medical Investigation & Evaluation

    Medical expenses primarily for diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

    • Bullet Icon
    • 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

    • Bullet Icon
    • Cosmetic Surgery Expenses

    Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

    • Bullet Icon
    • Treatment for Self-Inflicted Acts

    Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.

    • Bullet Icon
    • Deductibles & Co-pays

    Part of the claim will be borne by you if you have opted for deductibles or co-pay

    • Bullet Icon
    • Note

    Please read policy wording for detailed exclusions

    Additional Covers

    What else can you get?
    • Bullet Icon
    • 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

    • Bullet Icon
    • 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

    • Bullet Icon
    • Health Prime Rider

    Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & nutrition consultations as per the chosen plan

    • Bullet Icon
    • Respect Rider (Senior Care)

    Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service

    • Bullet Icon
    • 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

    • Bullet Icon
    • More Add-Ons

    Explore more add-ons to enhance coverage

    Benefits You Deserve

    alttext

    Wide coverage

    Choose your coverage as per your requirement

    alttext

    Wellness Discount

    Stay fit during the policy year and enjoy 12.5% discount on renewal

    alttext

    Reinstatement Benefits

    Unlimited reinstatement of the sum insured upto 100% SI after its depletion

    How Does a Sleep Cycle Calculator Transform Your Lifestyle Habit?

    Are you experiencing daytime drowsiness? Have you noticed that your sleeping pattern is causing and turning into sleep issues during the night?

    Calculate how much sleep you need per day to wake up energised every morning. Use a Sleep Cycle Calculator to determine the ideal amount of sleep and timing consistency for optimal health. Enter your bedtime or wake-up time to get a suggested healthy bedtime for completing seven to eight full sleep cycles.

    Do not let any mid-cycle alarm disrupt your sleep. Map 90-minute cycles of dreamy REM stages and deep non-REM repair stages. Learn about how much sleep individuals need by age and the deprivation of poor sleep to unlock refreshed days.

    Sleep Cycle Calculator: What is the Ideal Time to Go to Bed?

    Use a Sleep Cycle Calculator to measure the optimal time to go to bed or wake up, based on ideal sleep cycles. Online sleep calculators allow individuals to enter either their desired wake-up time or bedtime to optimise their sleep cycle.

    Based on your given wake-up time, a sleep pattern calculator predicts your sleeping hours and number of cycles, considering 15 minutes to fall asleep.

    For example, if you want to wake up at 8 AM. The Sleep Cycle Calculator will suggest a bedtime that fits into your sleep cycles, assuming 15 minutes to fall asleep.

    Wake up at 8 AM

    Calculate Sleep Cycles

    9:15 PM

    7 sleep cycles

    10:45 PM

    6 sleep cycles

    0:15 AM

    5 sleep cycles

    1:45 AM

    4 sleep cycles

    3:15 AM

    3 sleep cycles

    4:45 AM

    2 sleep cycles

    6:15 AM

    1 sleep cycle

    Aim to complete 5-6 sleep cycles per night, with each cycle lasting around 90 minutes. The cycle sleep calculator will help you figure out the best times to go to bed and wake up to feel rested and refreshed.

    Why Does Sleep Quality Matter?

    Sleep quality is crucial because it affects how rested and refreshed you feel, and it plays a significant role in your overall health and well-being. Events Affect Sleep Quality,

    1. Difficulty falling asleep or staying asleep

    2. Waking up multiple times during the night

    3. Not feeling rested or refreshed in the morning

    Having poor sleep quality can disrupt your sleep cycle, making it hard to transition between different stages of sleep. This can lead to imbalanced sleep patterns, reduced restorative benefits of sleep and a negative long-term impact on physical and mental health.

    Key Factors for Good Sleep Quality

    For good sleep quality, your body's need for sleep must be in sync with your natural rhythm. This means:

    1. Your sleep-wake cycle should be aligned with your body's natural production of melatonin (the sleep hormone)

    2. Your body temperature should dip after you've been asleep for a while, and rise before you wake up

    3. You should aim for a sleep schedule that lets you complete full sleep cycles, including deep sleep and REM sleep

    4. During deep non-REM sleep, the brain’s glymphatic system becomes ten times more active than during wakefulness, acting as a 'waste management system' that flushes out neurotoxic waste products, such as beta-amyloid, which are linked to Alzheimer's disease.

    Source: National Institutes of Health (NIH) / Science Journal (Based on the landmark study by Dr. Maiken Nedergaard).

    How Much Sleep Do I Need?

    The amount of sleep you need can vary depending on factors such as age, lifestyle, and individual needs.

    If you are getting the right amount of sleep, you should wake up feeling refreshed and energised, with no signs of daytime sleepiness or dysfunction. While there's no one-size-fits-all answer, the sleep schedule calculator suggests that 6-7 hours of sleep per night is associated with better health outcomes.

    However, this can vary from person to person, and other factors like physical activity, diet, and overall health also play a role.

    Sleep Needs Change with Our Age

    Sleep patterns change dramatically as we grow and develop. Newborns, for example, sleep for most of the day, while adults typically need less sleep. As kids grow, their sleep needs start to resemble those of adults, with most children settling into a more adult-like sleep pattern around the age of 5.

    Category

    Age Group

    Sleep Hours per Day

    Infants

    0–3 months old

    14-17 hours of sleep in 24 hours, including naps

    Toddler

    4–12 months old

    12-16 hours of sleep, including naps

    Preschool

    1–2 years

    11-14 hours of sleep in a day

    School Age

    3–5 years

    10-13 hours (including naps)

    Teenager

    6–12 years

    9-12 hours of sleep per day

    Adult

    13–18 years

    8-10 hours of sleep per night

    Older Adult

    18–60 years

    7-9 hours  of sleep every night

    Seniors

    61–64 years

    7-8 hours of sleep per night

    Older Senior Persons

    65 years and older

    7 or more hours of sleep every night

    Keep in mind that these are general guidelines, and individual sleep needs can vary.

    Rather than focusing on a specific number of hours, use a sleep schedule calculator and listen to your body. Prioritise the sleep pattern calculator to get quality sleep that leaves you feeling rested and refreshed.

    How Do REM and Non-REM Sleep Stages Drive the Optimal Sleeping Cycle?  

    Our sleep cycle has two main stages: non-REM and REM sleep. Both stages are crucial for our well-being and overall health.

    Non-REM Sleep: The Restorative Stage

    The non-REM sleep cycle typically begins, moving into slow-wave or deep sleep. In this stage, our body gets the most rest. Here's what happens during this stage while sleeping:

    1. Our body temperature and heart rate get lower

    2. The brain uses less energy, which means reduced brain activity.

    3. During this stage, adenosine triphosphate (ATP) production increases, helping to restore energy.

    4. Our body releases growth hormones, which is essential for human development.

    While we are sleeping, our brain expends less energy compared to when we are awake, particularly during the non-REM sleep. In this stage, our brain also consolidates memories and cleans out toxins.

    REM Sleep: The Dreaming Stage

    REM sleep is a sleep stage that typically comprises a smaller proportion of our sleep time. This stage is actually a dreaming stage, and in this stage,

    Our body experiences nightmares or dreams.

    1. The types of sleep characteristics during REM sleep are rapid eye movement

    2. Virtual paralysis of the body

    3. Increasing brain activity

    4. Increasing blood pressure and heart rate

    Deprivation of REM sleep can lead to hallucinations, irritability, and concentration difficulty.

    How Does Sleep Deprivation Affect Our Body?

    Sleep deprivation can have a significant impact on your overall health and well-being. When you do not get enough sleep, it can affect your physical, emotional, and mental health.

    1. Anxiety

    2. Depression

    3. Chronic Pain

    4. Obstructive sleep apnoea

    Occasionally, poor sleep at night does not seriously affect your health. But ongoing sleep deprivation can lead to a risk of early death and chronic diseases.

    Physical Consequences

    A single night of poor sleep can cause:

    1. Drowsiness and fatigue

    2. Headaches and dark circles under the eyes

    3. Pale skin and a general feeling of being unwell

    But the effects of long-term sleep deprivation can be even more severe, leading to:

    1. A weakened immune system makes you more prone to illnesses

    2. High cortisol levels, which can contribute to high blood pressure and other health issues

    3. Increased appetite and cravings for unhealthy foods, leading to weight changes

    4. Skin problems, including wrinkles, fine lines, and loss of skin elasticity

    5. Chronic inflammation, which can lead to various health problems

    Emotional and Mental Health Impacts

    Lack of sleep can also affect your mood and emotional well-being, leading to:

    1. Irritability and mood swings

    2. Difficulty managing emotions and coping with stress

    3. Problems communicating with others and maintaining relationships

    Worse symptoms of mental health conditions like depression, anxiety, and ADHD

    Cognitive Consequences

    When you're sleep-deprived, your brain can't function properly, affecting:

    1. Concentration and focus

    2. Memory and learning

    3. Decision-making and judgment

    4. Reaction time and coordination increase the risk of accidents

    These effects can impact your daily life, leading to:

    1. Poor performance at work or school

    2. Changes in judgment and impulse control

    3. Increased risk of accidents and injuries

    Tips for Better Sleep Quality

    1. Establish a consistent sleep schedule

    2. Create a sleep-conducive environment (dark, quiet, cool)

    3. Avoid stimulating activities before bedtime

    4. Get regular exercise, but not too close to bedtime

    To enhance your overall health, support healthy habits like regular exercise, a balanced diet, and regular check-ups. Early detection of health issues can help you get the right health insurance cover to manage treatment costs.

    Health insurance renewal with Bajaj General Insurance can cover sleep-related issues like insomnia, apnoea diagnosis, and ensure free treatment and vitality.

    At-A-Glance

    Compare Insurance Plans Made for You

    Plans
    alt

    Health Guard Silver

    alt

    Health Guard Gold

    alt

    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

    Health Companion

    Healthassessment

    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

    Healthmanager

    Take Charge of Your Health & Earn Rewards–Start Today!

    Be proactive about your health–set goals, track progress, and get discounts!

    Healthassetment

    Your Personalised Health Journey Starts Here

    Discover a health plan tailored just for you–get insights and achieve your wellness goals

    Healthmanager

    Your Endurance, Seamlessly Connected

    Experience integrated health management with us by connecting all aspects of your health in one place

    PromoBanner

    Meet Our Expert For Assistance

    Schedule your visit for personalised solutions and guidance that you can trust!

    Download Policy Documents

    Get instant access to policy details with a single click

    Step-by-Step Guide

    To help you navigate 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

    • 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

    Expand Your Coverage Today!

    Respect Rider (Senior Care)

    Tooltip text

    Emergency assistance for senior citizens

    Designed specifically for senior citizens

    Starting from

    INR 907 + GST

    Buy Now

    Health Prime Rider

    Tooltip text

    Tele, In-Clinic Doctor Consultation and Investigation

    Dental, Nutrition and Emotional Wellness

    Starting from

    INR 298 + GST

    Buy Now

    Non-Medical Expenses

    Tooltip text

    Covers non-medical items

    Items not typically covered in standard insurance plans

    Starting from

    8% of Premium

    Buy Now

    Waiver of Room Capping

    Tooltip text

    Removes single room type restriction*

    Covers actual room rent expenses without a cap

    Starting from

    2% of Premium

    Buy Now

    Insurance Samjho

    EN
    View All
    KAJNN

    Critical Illness Insurance

    KAJNN

    Health Claim by Direct Click

    KAJNN

    Personal Accident policy

    KAJNN

    Global Personal Guard Policy

    Claim Motor On The Spot

    Two-Wheeler Long Term Policy

    24x7 Roadside/Spot assistance

    Caringly Yours (Motor Insurance)

    Travel Insurance Claim

    Cashless Claim

    24x7 Missed Facility

    Filing a Travel Insurance Claim

    My Home–All Risk Policy

    Home Insurance Claim process

    Home Insurance Simplified

    Home Insurance Cover

    LoginUser

    Create a Profile With Us to Unlock New Benefits

    • Customised plans that grow with you
    • Proactive coverage for future milestones
    • Expert advice tailored to your profile
    Download App

    What Our Customers Say

    Highly satisfied

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

    alt

    Piyush Kumar

    Mumbai

    5

    17th Mar 2025

    Highly recommend!

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

    alt

    Pooja Kaushik

    Vadodara

    5

    2nd Feb 2025

    Simple, fast & effective!

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

    alt

    Hrithik Mishra

    Delhi

    5

    31st Jan 2025

    Love this app!

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

    alt

    Shagun Gupta

    Mumbai

    4.8

    31st Jan 2025

    Reliable & affordable

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

    alt

    Shubham Singh

    Delhi

    5

    30th Jan 2025

    Financial convenience

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

    alt

    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!

    alt

    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!

    alt

    Gautam Mongia

    Delhi

    5

    24th Jan 2025

    FAQ's

    What is the 10-3-2-1-0 sleep rule?

    To enjoy good sleep hygiene, follow this rule: Eliminate caffeine 10 hours before sleep, Stop alcohol intake 3 hours before going to bed, Stop working 2 hours before bed, Cut screen time/avoid screen time 1 hour before sleep, and Hit snooze 0 times in the morning

    What is the 80/20 sleep rule?

    It is a flexible guideline for individuals to maintain a healthy sleep schedule. Individuals should plan 80% of the time for sleep cycle consistency for their child. The 20% flexibility allows for life events, such as late nights, daycare, social gatherings or errands.

    Why am I still tired after sleeping 7-8 hours?

    Even after sleeping 7-8 hours, if you're feeling tired, adjust your sleep hygiene practices and activities. Adjust things that can distract you from sleep, like Chronic pain, Your sleep environment, Noise or movement from a pet or bed partner, Sleep disorders like sleep apnoea or insomnia, and Mental health conditions or underlying medical conditions

    Does your sleep cycle need changes with age?

    The need for sleep quality changes with our age, and typically it stabilises around age 20. As we get older, we generally need less sleep. At the same time, medical, behavioural, and environmental factors can influence our sleep cycle and change throughout life.

    Is it healthy to sleep during the day?

    Taking a nap longer than 30 minutes during the day can negatively affect your sleep cycle and quality at night. 

    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.

    PromoBanner

    Why juggle policies when one app can do it all?

    Download the App Now!