How many times can medical insurance be claimed?

If you have a health insurance or a medical insurance policy, you can file a claim multiple number of times during the insurance policy term but provided these claims are within the sum insured limit. For example, if your health insurance policy has a sum insured of 5 Lacs and you have been hospitalized 3-4 times, each time the claim amounting to 1 lac, it will be paid by the insurance company as it falls within the range of 5 Lacs.

Do I have to undergo any medical examination before buying a health insurance?

A medical examination is a must before availing any kind of insurance. This examination is conducted for the health insurance company's understanding of your overall health and it helps them determine the premium of the policy. While medical tests are a mandate for most health insurance companies, you can avail a health insurance policy without a medical examination. For this, the premium will be calculated based on your age, the sum insured amount and the discretion of the insurer.

Can a person have more than one health insurance policy?

Yes, a person can have more than one health insurance policy. However, at the time of claim, you cannot claim the same expense amount from all insurers. If in case, one cover is not sufficient, the other health insurance policy can be utilized to cover expenses.

What are network hospitals?

A health insurance company has tie-ups with a large number of hospitals. When you buy a health insurance policy, they will give you a list of hospitals that fall in their network, i.e., these hospitals have agreed to providing the insured, that is you, the benefit of cashless hospitalization. Plus, within the network hospitals, all bills will be settled directly by the health insurance company.

What is the age upper and lower age limit to buy health insurance?

According to the IRDAI, any individual upto the age of 65 years can get health insurance. Also, there are comprehensive senior citizen health insurance plans available for older individuals between the age group of 65 to 80 years. On the other hand, there is no set lower age limit to buy a health insurance policy. However, it is a must for every individual to safeguard themselves with a health insurance policy.

What is a 'Free Look Period'?

A free look period is defined as the required time period during which a health insurance policyholder can terminate the policy without any penalties or fines or surrender charges. This free look period can last upto 10 days. During this time, it is upto you, the policyholder to decide whether or not they want to keep the insurance policy. If dissatisfied, they can cancel the policy and get a complete refund.

My employer provides me with a health insurance. Do I still need one?

The health insurance policy offered by the employer will have a standardized sum set aside for each of the employees. While this is not bad, it may not be enough. Safeguarding yourself with a health insurance policy is the best way forward as it will take into account your age, your dependents, your overall health factors and offer you a much larger sum insured.

What is pre-existing disease? Are they covered under health insurance?

A pre-existing illness is any health issue that the person or proposer already suffers from at the time of purchasing the health insurance policy. These pre-existing diseases or conditions include health problems such as thyroid, asthma, diabetes, blood pressure, etc.

Complete Health Solution Ultima

Value for Money

No Cost EMI

Complete Family Cover

Family wellness benefit upto Rs. 38000

Healthcare MadeEasy!

Health plans starting ₹16 per day

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Comprehensive HealthCare

Prioritize regular health

We believe that good health begins at wellness and therefore, we cover your regular healthcare expenses of doctor visits, consultations and lab tests. You can consult 96K+ top doctors across 35 specialties in 17 regional languages and book lab tests at 3400+ lab centres with home sample collection.

In this way, you can always be ahead in the health game!

Access to preventive health check-ups

Prevention is better than cure, isn’t it? Yes, we agree too. We give FREE preventive health check-ups with 61+ tests upto Rs 6000 for 2 adults.

61+

Tests included

3400+

Lab partners

Consult Doctors online 24/7

Yes, you read that right! You can consult top doctors online 24/7 via chat, audio or video call on the app. You can do so from your home or office, or any convenient place.

96K+

Doctors

35+

Specialities

Network discounts at PAN India level

Like we said, we are with you wherever you go! You can be anywhere in the country and use this health plan to get 10% discount at our partner pharmacies, clinics, labs, doctors & hospitals.

10%

Discount

In this way, you can always be ahead in your health game!

Opt for alternate treatments

If you want to opt for non-allopathic treatments, we cover

Homeopathy
Unani
Ayurveda

Ambulance assistance

During an emergency you don’t have to worry about reaching the hospital on time because we provide quick ambulance assistance with this plan.

All Benefits Covered

Explore all our benefits

What's Covered?

What's not Covered?

Family Wellness Benefits

Get Cashless doctor visits, teleconsultations & lab tests upto 56K.

Family Wellness Benefits

Get wallet balance upto ₹43,000 for doctor consultations & lab tests or radiology tests. Avail any test, consult any doctor from 96,000+ doctors across 35+ specialties in 17+ languages, or consult your family doctor and get reimbursed.

Preventive Heath Check-ups

61+ tests for 2 adults with home sample collection

Preventive Heath Check-ups

FREE health package with 61+ tests for 2 adults. Your annual health test package with home sample collection included.

Health Insurance Cover

Upto 10 Lacs cover for you, spouse & 4 kids

Health Insurance Cover

Cover of upto 10 lacs for your family. You, your spouse & 4 children under 21 years of age are covered for pre-and post-hospitalization expenses.

Network Discounts

10% OFF across doctors, lab, medicines, hospitals, etc.

Network Discounts

Save on healthcare expenses, hospital room rent & more. Get 10% off doctor consultation fees, medicines & lab tests across 700+ partner hospitals and 3400+ labs PAN India. Get 5% OFF on hospital room rent.

Room Rent Cover

1 private a/c room or ICU bed for hospitalization

Room Rent Cover

1 private a/c room is allotted during hospitalization. Expenses incurred for one private room during your treatment period are covered. If you need ICU, the cost of an ICU bed is included.

COVID-19 Treatment

Hospitalization cover for COVID-19 variants

COVID-19 Treatment

Cover for hospitalization for all COVID-19 variants. When hospitalized due to COVID-19, all your treatment expenses are covered. During hospitalization, tests like RT-PCR, COVID antibodies, etc., are covered.

Pre- & Post-hospitalization

Expenses incurred 60 days pre-& 90 days post-hospitalization

Pre- & Post-hospitalization

Expenses incurred 60 days before hospitalization. Go cashless for doctor visits and lab test expenses within the network before hospitalization—claim reimbursement for non-network labs and doctors.

Daycare & Hospital Care

Procedures under 24 hrs & cost for doctors and tests

Daycare & Hospital Care

Medical procedures with less than 24 hrs. of hospitalization are covered. Minor procedures that require you to go under anesthesia and need less than 24 hrs. of hospital stay are covered.

Surgery Cover

Blood, oxygen, OT charges, medicine for surgery.

Surgery Cover

Expenses incurred for all surgical needs during hospitalization. Cost of blood, anesthesia, oxygen cylinder, OT charges, medicines & other surgical appliances needed for surgery is covered.

Life Support Treatment

Chemotherapy, dialysis, prosthetics & more.

Life Support Treatment

Expenses incurred for life support & life-saving procedures during treatment. Your chemotherapy sessions, dialysis, prosthetics, ventilator cost, etc., are included in the plan to use as and when required.

Organ Donor Cover

Expenses to obtain organ & donor healthcare.

Organ Donor Cover

Expenses incurred for obtaining organ & donor healthcare. If and when you need an organ transplant, the cost of obtaining an organ, transplant procedure, and donor's healthcare are all taken care of.

Implants Cover

Cost of infra-cardiac valve, stent, pacemaker, implants.

Implants Cover

Expenses incurred for all health improvement surgical implants. The cost of infra-cardiac valve replacements, vascular stents, pacemakers, orthopedic implants, etc., are included.

Our Offerings

What sets us apart?

While most health insurance plans offer hospitalization cover, Bajaj Finserv Health’s Complete Health Solution Ultima goes one step further, prioritizing regular healthcare as well as pre-and posthospitalization care.

FEATURES		OTHER INSURANCE
Pre & Post Hospitalization Expenses incurred 60 days pre-& 90 days post-hospitalization
Family Wellness Benefits Avail in-clinic & online doctor consultations + lab tests upto ₹43,000
Preventive Health Check-up Curated package with 47 tests upto Rs 6,000 for 2 adults
Online Doctor Consultations Consult any doctor across 35+ specialties online or get reimbursed
COVID-19 Care & Treatment Hospitalization cover for COVID-19 variants
Ambulance Assistance Ambulance assistance for hospitalization covered upto ₹3000 per year
Homeopathy, Unani & Ayurveda Ambulance assistance for hospitalization covered upto ₹3000 per year
Save Upto	+ ₹79,000	+ ₹5,000
Insurance upto	10 Lacs	10 Lacs
Starting Price	₹480 x 10 months	₹620 x 10 months

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

1000+Hospitals Near You

90+Labs Near You

PREVENTION IS BETTER THAN CURE

Health Insurance: Need of the Hour!

Unexpected expenses for critical illness can come anytime

60% people

are diagnosed with critical illness in India

Most common critical illnesses in India today:

Cancer
Cancer amongst Indians is projected to increase to 29.8 million in 2025. With treatment, doctor visits, tests etc. the cost of treatment can go upto 2 Lacs a month.
Cardiovascular Diseases or CVD
There has been a 34% rise in the no. of deaths due to heart-related diseases. The cost of treatment ranges from ₹3 lacs for small treatment to 20 lacs for a transplant.
Kidney Ailments
1 in 10 people suffer from Kidney ailments. Cost of a kidney transplant can set you back by 7 lacs while regular dialysis costs between ₹18,000 to ₹20,000 for a session.
Liver Cirrhosis
Each year, approximately 10 Lakh people are diagnosed with Liver cirrhosis due to an uptake in alcohol consumption and obesity disorders, costing about ₹20-30 Lacs.
Type 3 Diabetes or Alzheimer's disease
Alzheimer’s is now very prevalent among the ageing population in India. Cost of treatment and care for Alzheimer’s can go upto ₹40,000 a month.

This is the average spend on critical illness that a middle class family pays out of their pocket.

SAVE so much with our Comprehensive Family Health Insurance Plan!

You and your family can SAVE so much with our Comprehensive Family Health Insurance Plan! This plan covers the cost of surgery, daycare procedures, nurse, doctor fees, lab tests, life-support equipment, organ transplant, and more. In short, this plan keeps you safe and ensures that you always have a fallback plan when the going gets tough!

Without Insurance

-₹1,25,000 avg. unexpected spend

With Bajaj Finserv Health Insurance

+ ₹79,000 avg. savings on health care

An easy and hassle-free claim process

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!

Claim Process

We have 98% Claim Settlement Ratio!

With the Bajaj Finserv Health Insurance plan, you can avail health benefits and hospitalization benefits across the vast Bajaj Finserv network partners PAN India.

STEP ONE

Download the Bajaj Finserv Health app or go to www.bajajfinservhealth.in and log in to your account.

STEP TWO

Go to your health plan and select the benefit you want to redeem or get reimbursed.

STEP THREE

Follow the steps and claim your health plan benefits instantly.

IF YOU BELIEVE THAT YOU DON’T NEED IT

Bajaj Finserv Health Offers the Best Family Health Insurance Plans

A comprehensive health insurance policy is the best way to avoid spending your hard-earned life savings on hospital expenses.

The Bajaj Finserv Health Family Health Insurance plan lets each member of your family have a sum insured exclusively for them. Hospitalization costs, doctor’s consultations, ambulance services, treatment costs, and pre and post-acute care are covered for each of your family members included in the policy.

Buy Online

What is Family Health Insurance?

Your happiness lies in your family's well-being! So, when it's about your family's health, you want the best for them. You can secure their health and wellness with a family health insurance plan. A family health insurance plan is a cost-effective health plan for your complete family. It offers medical coverage and health benefits at a single premium for the entire family.With a family health insurance policy, you can rest easy that your family's health needs like regular healthcare expenses of doctor consultations, lab tests, yearly preventive health check-ups, and hospitalization expenses are taken care of.

Health Insurance Is For Everyone

Why is Health plan suited for Everyone?

Health Insurance for Young Folks

Buying health insurance is not a priority for someone in their 20s and mid-20s. Plus, you think you are young, so you are healthy and don't need to invest in any insurance, let alone a health cover. But you need to understand this – the younger you are when you buy health insurance, you pay lower premiums. Yes, your health insurance is cheaper and crosses the waiting period sooner. This means you can avail benefits like maternity care or chronic illness care faster. You can avail doctor consultation benefits as well as lab tests, etc. You can also treat your injuries and claim the expense via your health insurance.

Family First Health Insurance Plans

When it comes to your family, you want the best for them. A comprehensive family health insurance will take care of your healthcare expenses and needs, and also cover your complete family. Buy it in the form of a family floater plan. With our wholesome health plans, you can avail of health benefits like doctor consultations, lab tests, preventive health check-ups for two people, instant teleconsultations, and health insurance benefits. In short, all regular healthcare expenses and insurance benefits are covered.

Health Insurance for Your Parents/Senior Citizens

Are you worried about your parents growing old? Well, this is the law of nature. But we understand your concern for their health. To help alleviate this concern, we have a senior citizen health insurance plan to safeguard your parents' health.

This plan covers their regular healthcare expenses like OPD, lab tests, preventive check-ups, instant doctor teleconsultations, and more. So, now you need not worry about your aging parents.

Health Insurance for Fitness Buffs

Yes, we get it – you are a fitness buff. You make conscious and well-researched choices when it comes to your health. But it would be best if you still had health insurance. While you may still feel that you may not fall ill often, it is always good to have a safety net. Illnesses, chronic or critical, don't announce themselves. With a health insurance cover, you can avail benefits that focus on your regular healthcare and wellness like doctor consultations, routine lab tests, annual preventive health tests, etc.,

Employee Health Insurance

As the HR of a large, multinational company or someone who runs their own company, you must focus on your people first. And to ensure the best for your talent, you need to offer them good healthcare options. You can buy a corporate health insurance policy for your employees that gives them health benefits like doctor consultations, lab tests, preventive health check-ups, and insurance cover.

Health Insurance for Young Folks

Family First Health Insurance Plans

Health Insurance for Your Parents/Senior Citizens

This plan covers their regular healthcare expenses like OPD, lab tests, preventive check-ups, instant doctor teleconsultations, and more. So, now you need not worry about your aging parents.

Health Insurance for Fitness Buffs

Employee Health Insurance

WE ARE HERE FOR YOU

Not sure which health insurance plan suits your family?

India’s Leading Company

Here’s how to choose the right family health insurance plan!

Health Plan Checklist

Compare health insurance plans

Make a list of all family health insurance plans offered by different companies.Make a list of all family health insurance plans offered by different companies. Compare the inclusions and exclusions, premium, waiting period, health cover, etc...Read More

Compare Network Coverage

Using a network hospital or a network partner can reduce your costs. So, the morUsing a network hospital or a network partner can reduce your costs. So, the more extensive the network, the better coverage for you...Read More

What’s included

Inclusions in your health insurance plan are vital as it is a list of things it Inclusions in your health insurance plan are vital as it is a list of things it will cover you for. Ensure it includes types of treatments, medical equipment, surgeries, and more...Read More

Room Rent Limit

This is very important for hospitalization. You need to choose a plan with an adThis is very important for hospitalization. You need to choose a plan with an adequate rent limit to cover ICU beds if the need arises...Read More

Waiting Period

The waiting period is crucial if you have pre-existing illnesses. Generally, theThe waiting period is crucial if you have pre-existing illnesses. Generally, the waiting period is only 30 days...Read More

Exclusions

Like the inclusions, the exclusions tell you what is excluded or will not be covLike the inclusions, the exclusions tell you what is excluded or will not be covered in your health insurance plan...Read More

Premium Amount

The premium you pay for your family health insurance plan should be easy on yourThe premium you pay for your family health insurance plan should be easy on your pocket and fit in your budget...Read More

7 Tips to Choose the Right Health Insurance Plan

Get complete coverage

Get a health insurance policy that covers you against a wide range of medical issues and offers preand post-hospitalization cover.

Pocket-friendly & Affordable

While your health insurance plan should cater to all your health needs, it should also easily fit into your budget. The premium should be easily affordable to you.

Opt for Family Health Insurance over Individual Plan

An individual plan works best if you do not have a family to support. Else, invest in family health insurance. In this way, you can enjoy more health benefits at lower premiums.

Select Lifetime Renewability

You need to know how long your health insurance policy will cover you. This is important because you will always need health insurance. So, opt for a plan with lifetime renewability.

Hear It From Our Customers

Help & Support

Need Help? We have detailed out the plan for you. Read our fine prints below for all the details.

See FAQs

Health insurance should be bought by one and all. It could be a health insurance for an individual or for the family. With a health insurance plan, you can secure your healthcare expenses. It will safeguard you from sudden medical expenses of surgeries, hospitalizations, and more.

A top-up in health insurance acts like a booster to the plan. It is an indemnity policy that offers you additional coverage for your healthcare needs in addition to your health insurance policy. If you have exhausted the sum insured of your regular health insurance policy, a top-up gives you add-on benefits.

Just like you can port your mobile number from one telecom provider to another, you can port health insurance as well. Yes, health insurance portability is real, and it means that as a policy holder, you can port your health insurance policy to a different insurer. The benefits offered in your insurance policy will continue to remain the same. It also means that with health insurance portability, you can get better coverage, services and even prices.

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CIN

U85320PN2019PLC185286

Registered Office

Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035

Corporate Address

Mantri IT Park, A wing,
3rd floor, Nagar Road,
Viman Nagar, Pune, Maharashtra - 411 014

020-48562555 customercare@bajajfinservhealth.in

Complete Health Solution Ultima

Value for Money

No Cost EMI

Complete Family Cover

Prioritize regular health

Access to preventive health check-ups

Consult Doctors online 24/7

Network discounts at PAN India level

Opt for alternate treatments

Ambulance assistance

What's Covered?

What's not Covered?

What sets us apart?

Explore Our Robust Network

Explore Our Robust Network

60% people

Most common critical illnesses in India today:

Cancer

Cardiovascular Diseases or CVD

Kidney Ailments

Liver Cirrhosis

Type 3 Diabetes or Alzheimer's disease

SAVE so much with our Comprehensive Family Health Insurance Plan!

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!

We have 98% Claim Settlement Ratio!

Bajaj Finserv Health Offers the Best Family Health Insurance Plans

What is Family Health Insurance?

Why is Health plan suited for Everyone?

Here’s how to choose the right family health insurance plan!

7 Tips to Choose the Right Health Insurance Plan

Hear It From Our Customers

See FAQs

Who needs health insurance?

What are the benefits of top-up in health insurance?

What are the benefits of health insurance portability?

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