Health Insurance
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
Wondering how much water your body really needs each day? Your perfect hydration level is just a few clicks away with our Water Intake Calculator. Simply enter your weight, climate, and daily activity level, and the tool instantly shows the ideal amount of water, in litres or glasses, you should be drinking.
Dive in to discover how the calculator works and explore simple hydration tips that can elevate your daily lifestyle.
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 |
The water intake calculator is a smart tool designed to estimate the ideal amount of water you should drink each day. It considers key factors like your weight, age, activity level, gender, and surrounding environmental conditions. In short, it helps you understand your body’s unique hydration needs.
It helps calculate how much water I should drink in a day, considering weight, weather, activity, and special needs.
Body weight is the primary factor in determining an individual's hydration needs. The body water need calculator uses a baseline of 35 mL of water per kilogram body weight. For example, the water intake calculator follows the formula,
body weight × baseline of water per kilogram (without extra activity).
This measures the amount of water needed. Hence, a 70 kg person with no extra activity needs to drink 2.45 litres of water per day (70 kg × 35 ml = 2.45 litres).
Physical activity leads to sweating that increases respiration and the need for water. Choose activity level among lightly active, sedentary, intense or moderate to measure the required amount of fluid.
For example, a 70 kg adult who works out for 30 minutes can intake an additional 0.5 litre of water. However, an intense workout adds an extra 1 litre of water intake, bringing the total to 3.45 litres of water daily.
Hot and humid weather increases fluid loss through excessive sweating. If you spend your maximum day outdoors in a hot or tropical region, the water intake calculator can bump your daily water intake target.
Medications or certain health conditions can affect your hydration needs. Consider the health status to calculate the amount of water to drink. Several conditions, including breastfeeding, pregnancy, and medical conditions, require extra fluid intake.
The water intake calculator includes an option for special conditions and automatically adjusts fluid requirement.
The human body is composed of approximately 60% water, which helps tissues, cells and organs to function properly. It enables respiration and sweating, allowing the body to maintain a stable internal temperature by releasing excessive heat.
A single cell of our body relies on water to synthesise proteins, carry out biochemical reactions and transport ions. It powers the metabolic process and supports cellular functions.
Water is also a vital component of blood. It transports oxygen and nutrients to cells throughout our body while carrying metabolic waste to the kidneys for removal, and supports overall health and functioning.
Water breaks down food in the intestines and stomach to ensure that adequate nutrients are absorbed into the bloodstream effectively.
Drinking enough water means adequate hydration of the body. It keeps our skin cells plump, supports the skin’s barrier function and improves elasticity that gives a glowing and healthy appearance.
Good water intake plays a big role in maintaining joint and bone health. It supports synovial fluid that reduces friction and improves joint movement, making it smoother and less stiff.
Mild dehydration causes fatigue and headaches, and affects mood, memory and concentration. Hence, proper water intake improves body energy level, preserves mental clarity and boosts emotional stability.
1. Babies: A baby needs approximately 0.7 to 0.8 litres of water in a day, which is typically obtained from milk.
2. Children: Children aged 1 to 3 years should drink 1 litre (equivalent to 4 glasses) of water per day, including milk and juice.
3. Kids: They aged between 4 years and 8 roughly require 1.2 litres of water daily (approximately 5 glasses).
4. Pre-Teens: 9 to 12-year-old pre-teens need 1.7 to 2 litres (approximately 7-8 glasses) of water regularly, depending on their level of activity.
5. Teenagers: However, teenagers must drink 2 to 2.5 litres of water, equivalent to 8 to 10 glasses of water, especially when participating in sports.
6. Adult Women: Young adults should drink 2 to 3 litres of water on average to stay healthy and maintain their skin glow.
7. Adult Men: At the same time, adult men intake 2.7 to 3.7 litres of water, approximately 11 to 15 glasses of water. Sufficient water intake leads to a higher metabolic rate and muscular mass.
Your body loses fluid overnight through breathing, so start your day by drinking a glass of water once you wake up.
Try to carry a 500 ml water bottle and set a goal to finish it twice before your lunch and twice in the evening.
Drink a hydrating water mixture, adding a slice of lemon, cucumber, and mint if drinking plain water makes you feel bored. Drinking this mixture without adding sugar can increase water intake.
You can set a reminder in your smartphone, watch, hydration app or set an alarm that prompts you every 60 to 90 minutes to drink water. Setting a reminder is helpful, especially if you are busy throughout the day at work.
Add water-rich foods to your regular diet, including oranges, watermelons, and strawberries. You can also include vegetables such as lettuce, cucumber and celery that contribute approximately 20% of your daily fluid needs.
According to your activity schedule, you need to increase your water intake. For 20 minutes of moderate exercise, you need to drink an extra 1 glass of water regularly, while for an intense workout, consider water with electrolytes.
You can monitor urine frequency and colour, for example, 4 to 5 times, light yellow or clear urine is normal. However, dark yellow urine indicates a red flag of insufficient fluid in the body.
Drink cold water that is more encouraging and refreshing to have larger shapes. However, during meals, individuals intake room temperature water in large quantities.
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Kids lose fluid more quickly because they play throughout the day and have a higher surface area to body weight ratio. Keep flavoured water without adding sugar, and encourage a routine water intake system throughout the day.
During pregnancy, women are advised to drink an extra 3 glasses of water regularly. Similarly, while breastfeeding, women need approximately 5 extra glasses of water to support blood volume expansion, amniotic fluid and milk production.
They lost fluid due to sweat per hour. Outdoor Workers and athletes can replace normal water with electrolytes and water solution to maintain water balance in the body. They can strategically drink 250 to 500 ML of water every 15 to 20 minutes.
As we age, it diminishes our thirst sensation and declines kidney function. This makes senior citizens prone to dehydration, so seniors need to choose water-rich foods as a supplement to taking sufficient water.
People with certain medical conditions, such as heart failure and kidney disease, can struggle with fluid handling. They can follow the physician's hydration plan as sufficient water intake helps flush out body germs and minimise discomfort.
Tailoring body water intake tips ensures proper hydration, but health insurance is essential to cover huge medical expenses due to chronic conditions from dehydration. Health insurance plans are safe for seniors against costly medical interventions due to age-related vulnerabilities.
Use the online health insurance calculator from Bajaj General Insurance to find the perfect health insurance for heart patients or critical conditions, to ensure timely medical care access and cashless treatment.
Water is the cornerstone of the human body that regulates body temperature, gives skin its glow, and supports cognitive functions. Using a personalised body weight and water intake calculator helps understand the science behind adopting sustainable habits and daily fluid requirements. Hence, you can transform hydration into a task for wellness.
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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
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Yes, drinking excessive water over a long time can be harmful. In extreme situations, it can lead to water intoxication. For example, if you drink 10-15 litres of water in a day for several days, it can affect your kidney function. Healthy kidneys can typically process a specific amount of water.
Children aged 1 to 3 years can drink 4 glasses of water per day, including milk. Children aged 4 to 8 can drink 5 glasses of water per day, while older children need 7 to 8 glasses of water per day.
Water intake may not directly contribute to weight loss. However, combining water intake with calorie restrictions can effectively help improve digestion. Drink 2 glasses of water for 20-30 minutes before taking a meal, which makes you feel full and reduces overeating. Hence, it may help in weight loss.
Water intoxication causes weak symptoms such as disorientation, nausea, confusion, altered mental status, vomiting, and dehydration.
For many people, 4 litres of water is more than the body needs. If you engage in excessive workouts and sweat a lot on regular days, check the water intake calculator. Set a personalised and safe water intake range to be hydrated.
Use the formula of the water intake calculator: Your Weight (kg) × 35 ml. Therefore, 50 kg * 35 ml (baseline of water intake per kilogram of body weight), and you need 1.75 litres of water per day. If you are an active person, consider your activity level, climate and any special conditions to calculate your water intake level.
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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