Suggested
Health Insurance
Transforming My Care, My Way
Coverage Highlights
Get comprehensive coverage for your healthDesign Your Own Plan
Get the flexibility to personalise coverage for you and your family with our plan that’s truly modular
2X OPD Coverage
Receive outpatient benefits equal to 2X premium amount paid for enhanced medical support
Wide Sum Insured (SI) Options
Choose adequate sum insured from 5 lacs to 5 crores that suits your need
Reinstatement Benefit & Recharge
Avail the option of unlimited reinstatement of sum insured even if you have exhausted it due to claims
Non-Medical Cover
Benefit from consumable coverage (up to SI limit) that covers the cost of items like gloves, syringes, and bandages used during treatment
International Cover
Get the option to add international cover applicable for only medical emergencies that you encounter overseas
Maternity & Baby Care
Ensure coverage for expenses incurred for maternity, surrogacy, complications of assisted reproductive technologies (ART), and care for your newborn
Preventive Check-Ups
Avail preventive health check-ups every year from the first year of your policy to stay ahead of health issues
Renewal Premium Waiver
Renewal premium of this plan will be waived off for 1 year in case of the proposer's demise
Direct Discount
Enjoy flat 5% discount if you make an online purchase from our website or application
Zone Discount
Avail discounts of 15% for Zone B and 25% for Zone C depending on where you live
Fitness & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal and 5% fitness discount on buying a new policy if you are a marathon runner
Loyalty Discount
Access 5% discount if you have with us any Motor, Health, Home, Cyber and Pet policy with premium of Rs.2500 or higher
Other Discounts
Become eligible for early bird discount, long term policy discount, family discount, and employee discount
Note
*For Age group of 0-20 Premium Starts at INR 5426 Annually which is about INR 15 per day.
Inclusions
What’s covered?Hospitalisation & Day Care Expenses
Coverage for the cost of in-patient hospitalisation (including room type choices), ICU charges (at actuals), and all day care procedures, surgeries, and other essential medical services
Pre- & Post-Hospitalisation Expenses
Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) with flexible customisation options to suit your needs are covered
Out-Patient Treatment (OPD) Expenses
Doctor consultations at their clinic or online, along with pathology, radiology and annual preventive health check-ups as per specified limits are covered
Domiciliary Hospitalisation Cost
Coverage for medical expenses incurred during at-home treatment as per the doctor’s advice in case there are no beds available at the hospital or the patient can’t be moved to the hospital
Advanced Treatment Charges
Any medical expenses incurred while undergoing advanced treatment methods and modern technological procedures are covered
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
Coverage for expenses incurred during treatment for maternity, surrogacy, complications of assisted reproductive technologies (ART) and newborn
Baby Care
Additional sum insured for covering hospitalisation expenses of a newborn is provided
External Medical Aid Expenses
Covers expenses incurred for items such as wheelchair, crutches, walker, and hearing aid required after an illness or injury
Sum Insured Reinstatement
Exhausted sum insured or SI will be reinstated so that you can avail the full coverage for your next claim in a policy year 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
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
Many More Covers
Additional coverage options like cumulative bonus, airlift cover, family visit, renewal premium waiver, and consumables cover among others are available
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 12/24/36 months (as selected) from date of your first My Health Care Plan
Specific Illness Treatment
Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded are excluded until 12/24/36 months (as selected) from date of your first My Health Care Plan
Maternity Expenses
Coverage for maternity treatment for a pre-defined, continuous waiting period of 12/ 24/ 36 months
Expenses for Medical Investigation & Evaluation
Cost of 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, intoxication, illegal actions, hazardous activities, etc.
Deductibles & Co-pays
Part of the claim will be borne by you (the policyholder) if you have opted for deductibles or co-pay
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?Loss of Income Cover
Pre-determined weekly payout if the insured is hospitalised for at least 72 consecutive hours due to an illness (excluding infections) or accidental injury during the policy period
Major Illness & Accident Multiplier (Indemnity)
Increased sum insured (up to 3X specified limit) for hospitalisation for in-patient treatment due to a listed critical illness or accidental bodily injury
International Cover (Emergency Care Only)
Medical expenses incurred overseas in case of emergency care can be reimbursed (up to Hospitalisation SI) limit)
Respect Rider (Senior Care)
Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service
Health Prime Rider
Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet and nutrition consultations as per the chosen plan
A health insurance premium calculator is a convenient online tool offered by many insurance companies and insurance aggregator websites. It helps you estimate the approximate cost of your health insurance policy based on various factors. By entering details about yourself, your desired coverage, and your location, the calculator provides a starting point for comparing quotes and understanding how different factors influence the premium amount.
Health insurance premium calculators offer several advantages:
Get estimated premiums from multiple insurers quickly, allowing you to compare costs and coverage options before contacting agents.
Gain valuable insights to choose the right balance between coverage and affordability for your health insurance needs.
Avoid lengthy calls or agent visits to get quotes. Estimate your insurance costs from the comfort of your home.
Promotes transparency in pricing by allowing you to see how different factors affect the premium upfront. Some calculators offer additional features like:
Using a health insurance premium calculator is very easy:
1. Start by choosing between an Individual or Family Health Insurance Policy.
2. Specify who you want to include in the policy: yourself, spouse, children, parents, etc.:
3. Select the age of each person you're covering.
4. Choose the amount of insurance coverage you need, ranging from 1 lakh to 50 lakhs.
5. Decide if you want coverage across India.
6. Provide your contact details: name, phone number, and email.
7. Receive your estimated premium instantly.
8. Term options range from 1 to 3 years for your policy.
Compare Insurance Plans Made for You
Cover Name |
![]() MHCP Plan 1 |
MHCP Plan 6 |
---|---|---|
Hospital & Day Care SI | INR 3 Lacs to 5 Cr. | INR 3 Lacs to 1 Cr. |
Room Limit | Single Private for SI 3 to 10 Lacs | Actuals for SI above 10 Lacs (option to change) | Single Private for SI 3 to 10 Lacs | Actuals for SI above 10 Lacs (option to change) |
Pre- & Post-Hospitalisation | Pre: 60 days & Post: 90 days (option to change) | Pre: 30 days & Post: 60 days |
Maternity Sublimits | INR 50,000 for SI 5 to 10 Lacs | 75,000 for SI 15 to 20 Lacs | 1,00,000 for SI above 20 Lacs | Not covered |
Baby Care (SI) | INR 1 Lac for SI up to 4 Lacs | 5 Lacs for SI 5 to 10 Lacs | 10 Lacs for SI 15 to 50 Lacs | 15 Lacs for SI above 50 Lacs | Not covered |
OPD Cover | Tele-consultation, in-clinic doctor consultation, pathology, radiology, & preventive check-up | Tele-consultation |
Home Nursing (max 10 weeks) | INR 5,000/week for SI up to 50 Lacs | 10,000/week for SI above 50 Lacs | Not covered |
Airlift Cover | INR 10 Lacs for SI 50 Lacs to 1 Cr. | 20 Lacs for SI above 1 Cr. | Not covered |
Cumulative Bonus | 25% p.a. max 100% for SI 3 to 4 Lacs | 50% p.a. max 100% for SI 5 lacs and above | 10% p.a. max 100% |
SI Reinstatement | Once for SI 3 & 4 Lacs | Unlimited for SI 5 Lacs and above | Once for SI 3 lacs | Unlimited for SI above 3 lacs |
Family Visit | INR 25,000 for SI up to 10 Lacs | 50,000 for SI above 10 Lacs | INR 25,000 for SI up to 10 Lacs | 50,000 for SI above 10 Lacs |
Suitable for | Everyone across India | Small Cities and Towns |
More Covers | See Policy Documents | See Policy Document |
While your health is priceless and no one can put a number to it, preserving it and providing it the care it needs comes with a cost. With our Health Insurance Policy, we want to cover that cost, which is only rising due to medical inflation.
If you’re wondering how much the Health Insurance Policy would cost you – only a fraction of the actual medical cost in case of an illness or accident – you can get the answer instantly with the help of our online Health Insurance Calculator.
Our online Health Insurance Premium Calculator is a simple tool that’s easy to use and instantly calculates the premium amount based on the inputs given. Quick, efficient and reliable, it helps you calculate the policy premium for self (individual) and family members.
That’s a good question! The basic purpose behind the calculator is to make the first step of buying a Health Insurance Policy super quick and convenient for you.
Helps You Make an Informed Decision
Indulging in a quick cost-benefit analysis before you make a significant purchase is essential, we know, and our Health Insurance Calculator will help you do just that. You can get an instant estimate of premium on a Health Insurance Plan of your choice and see just how affordable our comprehensive health cover is.
When you have the numbers in place, you can make an informed decision and feel confident about it.
Quick and Hassle Free
The days of asking your neighbours and co-workers for advice before making an important financial decision are now long gone. Instead, you can simply log on to our website and use our Health Insurance Premium Calculator to get the information you need. It’s quick, accurate and hassle free.
No more being misguided by blogs on the internet or ‘friendly’ advice. Also, our Health Insurance Calculator takes the pressure off you to become a mathematician while trying to calculate premiums on your own.
Helps in Budgeting
We know personal budgets are just as important as the national budgets, because you too have your own goals to meet and challenges to deal with. Our Health Insurance Premium Calculator will give you the premium amount in an instant, so you can account for something as essential as a health cover for you and your family while preparing your budget.
Just like your health has several components like physical, mental and emotional, there are several factors that determine the Health Insurance Premium as well. Some of the important ones are as follows:
Being an early bird while buying a Health Insurance Policy, sure has its benefits. When you buy Health Insurance Plans at a young age, you are fitter and healthier. There are fewer chances of pre-existing diseases, which lowers the premium amount.
Buying a Health Insurance Plan when young not only commands a lower premium but also makes you eligible for a high sum insured and favourable terms and conditions.
A flawless medical history tilts the balance in your favour heavily while buying a Health Insurance Policy. A clean track record not only lowers the premium amount, but also expedites the entire process.
On the other hand, if you have a medical history of suffering from ailments, critical and otherwise, then the premium amount is likely to shoot up.
Do you prefer staying away from smoking and drinking? If yes, here’s good news for you. Premiums paid by a smoker is higher than a non-smoker.
It is because Health Insurance Plans cover more risk for policyholders with these habits as they are more vulnerable to falling sick.
Sum insured is the amount of cover offered by a Health Insurance plan. In other words, medical expenses beyond this amount have to be borne by you. Premiums are directly proportional to the sum insured. It means higher the sum insured, higher is the premium amount.
You can either take a standalone Health Insurance Policy for yourself or a policy covering family members. In case of an individual policy, the premium amount depends on your age, profession, income, lifestyle habits, and medical history among others.
On the other hand, for a Family Floater Health Insurance that covers all the members of the family, the premium depends upon the age of the eldest member covered.
Get instant access to policy details with a single click
Here are some tips to potentially lower your health insurance premium:
Healthy habits like exercising regularly and avoiding tobacco use can lead to lower premiums for some insurers.
Opting for a higher deductible lowers your premium but means you'll pay more upfront in case of a claim.
While a higher sum insured increases the premium, it offers better financial protection in case of major medical expenses.
Many insurers offer discounts for young adults, healthy individuals, or those opting for cashless hospitalisation networks.
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
Barely any! We just need some basic information to know what you’re looking for, so we can help with the same.
● You’ll first have to let us know whether you’re looking for an Individual or Family Health Insurance Policy
● Then, tell us about the people you want to cover - self, spouse, children, parents, grandchildren, aunt, in-laws, etc.
● Thereafter, select the age
● You’ll need to select the sum insured. We offer plenty of options ranging from from 1 lakh to 50 lakhs so you can pick what best suits your needs
● Let us know if you want a Pan-India cover
● Finally, fill in your contact information like name, phone number and email ID
And voila! You will have your estimated premium right in front of you with term options ranging from 1 year to 3 years.
Step-by-Step Guide
How to Buy
0
Visit Bajaj Allianz website
1
Enter personal details
2
Compare health insurance plans
3
Select suitable coverage
4
Check discounts & offers
5
Add optional benefits
6
Proceed to secure payment
7
Receive instant policy confirmation
How to Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Notify Bajaj Allianz about the claim using app
1
Submit all the required documents
2
Choose cashless or reimbursement mode for your claim
3
Avail treatment and share required bills
4
Receive claim settlement after approval
How to Port
0
Check eligibility for porting
1
Compare new policy benefits
2
Apply before your current policy expires
3
Provide details of your existing policy
4
Undergo risk assessment by Bajaj Allianz
5
Receive approval from Bajaj Allianz
6
Pay the premium for your new policy
7
Receive policy documents & coverage details
Diverse more policies for different needs
Critical Illness Insurance
Health Claim by Direct Click
Personal Accident policy
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
Cashless Claims
Excellent service for your mediclaim cashless customers during COVID. You guys are true COVID warriors, helping patients by settling claims during these challenging times
Arun Sekhsaria
Mumbai
28th May 2021
Instant Renewal
I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.
Vikram Anil Kumar
Mumbai
26th Jul 2020
Quick Claim Settlement
Good claim settlement service, even during the lockdown, has enabled me to sell the Bajaj Allianz Health Policy to more customers.
Prithbi Singh Miyan
Pune
26th Jul 2020
Instant Policy Issuance
Very user-friendly. I got my policy in less than 10 minutes.
Jaykumar Rao
Bhopal
24th May 2019