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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
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.
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.
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.
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).
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 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.
Our sleep cycle has two main stages: non-REM and REM sleep. Both stages are crucial for our well-being and overall health.
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 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.
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.
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
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
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
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.
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!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
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!
Get instant access to policy details with a single click
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
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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
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Mumbai
17th Mar 2025
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Vadodara
2nd Feb 2025
Simple, fast & effective!
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Delhi
31st Jan 2025
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Mumbai
31st Jan 2025
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Delhi
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Mumbai
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Great coverage options too!
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Mumbai
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Delhi
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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
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.
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
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.
Taking a nap longer than 30 minutes during the day can negatively affect your sleep cycle and quality at night.
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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