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Health Insurance

25 Lakh Health Insurance Plan

HealthGuard

Key Features

Personal health insurance for you

Coverage Highlights

Get comprehensive coverage for your health
  • Caretaking of senior citizens made smart & easier with innovative features

Missed call number for Respect Senior Care Rider : 9152007550

  • Cover 09 plans/options with Health Prime Rider

  • EMI options available

  • Higher Sum Insured options up to 1 Crore

  • Covers pre and post-hospitalisation expenses

  • Multiple sum insured options

  • Covers extended family including parents, in-laws and siblings

  • Note

Please read policy wording for detailed terms and conditions

What Is 25 Lakh Health Insurance?

Health insurance is a crucial investment for protecting your financial well-being against unexpected medical expenses. An INR 25 Lakh health insurance plan provides substantial coverage, ensuring that you and your family can access quality healthcare without the burden of exorbitant costs. With rising healthcare expenses, having a health insurance policy with a sum insured of INR 25 Lakhs is essential. This amount is sufficient to cover a wide range of medical expenses, including hospitalisation, treatments, surgeries, and critical illnesses, which can otherwise drain your savings and cause financial distress.

A comprehensive health insurance plan with a sum insured of INR 25 Lakhs ensures that you are well-prepared for any medical emergencies. It covers expenses related to inpatient hospitalisation, day-care procedures, pre-and post-hospitalisation costs, and even critical illnesses. Such extensive coverage is particularly important in today’s environment, where medical costs are escalating rapidly. Without adequate health insurance, a serious illness or accident could lead to significant financial strain, affecting not only your savings but also your overall financial stability.

Moreover, a health insurance plan of this magnitude often includes additional benefits such as cashless treatment at network hospitals, ambulance charges, and coverage for alternative treatments like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH). These benefits provide further financial relief and convenience during medical emergencies.

By investing in a health insurance plan with a sum insured of INR 25 Lakhs, you are not just securing financial protection but also ensuring peace of mind. Knowing that you have a reliable safety net allows you to focus on your recovery and health without the constant worry of mounting medical bills. This proactive measure is a testament to prudent financial planning, safeguarding your future against unforeseen medical expenses.

Benefits You Deserve

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Wide coverage

Choose your coverage as per your requirement

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Wellness Discount

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

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Reinstatement Benefits

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

Functionality of a Health Insurance Plan Worth INR 25 Lakhs

A health insurance plan worth INR 25 Lakhs functions as a financial safe, offering extensive coverage for a wide array of medical expenses. This plan is specifically designed to alleviate the financial burden that comes with hospitalisation, surgeries, treatments, and other medical needs, ensuring that you receive the necessary medical care without the stress of exorbitant costs.

One of the significant advantages of this plan is its comprehensive protection. It covers critical illnesses, which often come with high treatment costs and prolonged care requirements. Whether it’s cancer, heart disease, or other severe health conditions, the coverage ensures that you can afford the best possible treatment without depleting your savings. Additionally, the plan includes pre and post-hospitalisation expenses, such as diagnostic tests, consultations, and medications, ensuring that all aspects of your healthcare journey are financially supported.

Day-care procedures, which are increasingly common with advancements in medical technology, are also covered under this plan. These are treatments and surgeries that do not require an overnight stay in the hospital, making the plan highly adaptable to modern medical practices.

Another key feature is the cashless treatment facility available at network hospitals. This means that you can receive medical care without making upfront payments, as the insurance company directly settles the bills with the hospital. This feature is particularly beneficial during emergencies when arranging funds immediately can be challenging.

How to Choose the Best 25 Lakhs Health Insurance Premium

Choosing the best health insurance plan under INR 25 Lakhs requires careful consideration of several factors to ensure comprehensive coverage and financial protection. Start by evaluating the coverage options provided by different insurers. Ensure the policy covers essential medical expenses, including hospitalisation, surgeries, maternity expenses, organ donor expenses, treatments, and critical illnesses. Check the network of hospitals associated with the insurer to ensure access to quality healthcare facilities. Compare the INR 25 lakh health insurance premiums of different plans to find one that offers the best value for money without compromising on coverage.

Next, consider the claim settlement ratio of the insurer. Bajaj Allianz General Insurance Company has had a high claim settlement ratio of more than 90% over the last six years. A high claim settlement ratio indicates the insurer's reliability in processing claims. Look for additional benefits such as free health check-ups, no-claim bonuses, wellness programs, and coverage for alternative treatments like AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy). Evaluate the waiting period for pre-existing conditions and specific treatments, opting for plans with shorter waiting periods to avail of benefits sooner.

Lastly, assess the insurer's customer support services. Efficient and responsive customer support ensures a smooth experience during emergencies. Choose insurers with multiple support channels, such as phone, email, chat, and social media, for convenient communication. By considering these factors, you can select the best health insurance plan under INR 25 Lakhs that meets your needs and provides comprehensive coverage.

At-A-Glance

Compare Insurance Plans Made for You

Plans
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Health Guard Silver

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Health Guard Gold

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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

Download Policy Documents

Get instant access to policy details with a single click

Features of INR 25 Lakh Health Insurance Plan

An INR 25 Lakh insurance plan comes with several features designed to offer extensive coverage and financial protection. These features include comprehensive coverage for hospitalisation, surgeries, and treatments, as well as coverage for critical illnesses. The plan also offers cashless treatment at network hospitals, pre and post-hospitalisation expenses, and day-care procedures. Additionally, it includes benefits such as free health check-ups, no-claim bonuses, and coverage for alternative treatments like AYUSH.

Benefits Of Buying INR 25 Lakh Health Insurance Premium

Investing in an INR 25 Lakh health insurance plan offers a multitude of benefits that ensure comprehensive medical coverage and robust financial protection. This substantial coverage is designed to meet the diverse healthcare needs of individuals and families, providing peace of mind and financial stability in the face of medical emergencies.

Comprehensive Coverage

An INR 25 Lakh health insurance plan provides extensive coverage for a wide range of medical expenses. This includes hospitalisation costs, surgeries, and treatments for various illnesses, including critical conditions like cancer, heart disease, and more. The comprehensive nature of this coverage ensures that you can access high-quality healthcare services without worrying about the financial burden. Whether it’s a minor procedure or a major surgery, the plan’s coverage ensures that you receive the necessary medical attention without any compromise on the quality of care.

No Cap on Expenses

One of the standout features of this health insurance plan is the absence of sub-limitson hospital room rent or specific treatments. This means that there are no restrictions on the amount that can be claimed for room rent or particular medical procedures. Such flexibility ensures that you can choose the best possible treatment options and hospital facilities without worrying about exceeding any preset limits. It allows for a more personalised and comfortable healthcare experience, tailored to your specific needs and preferences.

Pre-and-Post-Hospitalisation Expenses

The plan covers expenses incurred both before and after hospitalisation. This includes diagnostic tests, consultations, medications, and follow-up treatments. Often, medical care extends beyond the hospital stay, and these pre-and post-hospitalisation expenses can be significant. Having coverage for these costs ensures that the entire treatment process is financially supported, from initial diagnosis to complete recovery.

Cashless Hospitalisation

A significant advantage of this health insurance plan is the cashless treatment facility available at network hospitals. With cashless hospitalisation, you do not need to make any upfront payments for medical services. The insurance company settles the bills directly with the hospital, which simplifies the process and eliminates the stress of arranging funds during emergencies. This feature is particularly beneficial in urgent situations, ensuring timely and hassle-free access to medical care.

Tax Benefit

Additionally, the premiums paid for the INR 25 Lakh health insurance plan are eligible for tax deductions under Section 80D of the Income Tax Act. This not only reduces your taxable income but also makes health insurance a financially prudent choice. By investing in this plan, you can enjoy significant tax savings while securing comprehensive healthcare coverage for yourself and your family.

Why Choose Us for an INR 25 Lakh Medical Health Insurance Plan?

When it comes to securing your health, Bajaj Allianz General Insurance Company stands out with its customer-focused offerings. Here’s why our INR 25 Lakh Medical Health Insurance Plan is the right choice for you:

✅  Affordable Plans : Tailored premium options to suit your budget without compromising on coverage.

✅  High Claim Settlement Ratio : Consistent reliability with a claim settlement ratio exceeding 90%.

✅  Extensive Hospital Network : Access to a wide range of network hospitals for cashless treatments.

✅  Customer-First Policies : Hassle-free claim processing and dedicated support during emergencies.

✅  Tax Benefits : Save on taxes under Section 80D while securing comprehensive health coverage.

Expand Your Coverage Today!

Respect Rider (Senior Care)

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Emergency assistance for senior citizens

Designed specifically for senior citizens

Starting from

INR 907 + GST

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Health Prime Rider

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Tele, In-Clinic Doctor Consultation and Investigation

Dental, Nutrition and Emotional Wellness

Starting from

INR 298 + GST

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Non-Medical Expenses

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Covers non-medical items

Items not typically covered in standard insurance plans

Starting from

8% of Premium

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Waiver of Room Capping

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Removes single room type restriction*

Covers actual room rent expenses without a cap

Starting from

2% of Premium

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Health Companion

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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

Who Might Consider an INR 25 Lakhs Super Top-up Health Insurance Plan?

Individuals with high medical expenses, families seeking additional coverage, and those with existing health insurance policies can benefit from an INR 25 Lakhs super top-up health insurance plan. This plan provides extra coverage beyond the base policy, ensuring comprehensive protection against substantial medical costs. It is ideal for those looking to enhance their current coverage without purchasing a new policy.

Documents Required for Buying an INR 25 Lakh Medical Insurance Policy Online

Purchasing an INR 25 Lakh Medical Insurance Plan from Bajaj Allianz General Insurance Company is simple. Keep these documents ready to ensure a smooth process:

✅  Proof of Identity : Aadhaar card, Passport, or Voter ID.

✅  Address Proof : Utility bills, Passport, or Aadhaar card.

✅  Income Proof : ITR, salary slips, or Form 16 for verification.

✅  Recent Photographs : Passport-sized photographs as required.

With these documents, you can quickly apply for a policy online through the digital platform.

Step-by-Step Guide

To help you navigate your insurance journey

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

Guide to Filing a Claim for the INR 25 Lakhs Super Top-up Health Plan

Notify the Insurer :

Inform Bajaj Allianz General Insurance Company about the claim through their customer service, website, or mobile app.

Submit Required Documents :

Provide the necessary documents, including the claim form, medical reports, and hospital bills.

Claim Verification :

The insurer reviews the documents to validate the claim.

Claim Approval and Settlement :

Once verified, the claim is approved, and the settlement amount is disbursed promptly.

What Sets Apart an INR 25 Lakhs Super Top-up Health Insurance Plan from a Standard One?

An INR 25 Lakhs super top-up health insurance plan offers additional coverage beyond the sum insured by the base policy. Unlike standard plans, it kicks in after the base policy's limit is exhausted, providing extra financial protection for high medical costs. This plan is cost-effective and ensures comprehensive coverage without the need for a new policy. It includes benefits such as higher coverage limits, coverage for critical illnesses, and enhanced protection against significant medical expenses.

Conclusion

Health insurance for INR 25 lakhs from Bajaj Allianz General Insurance Company provides extensive coverage and financial protection, ensuring peace of mind during medical emergencies. With benefits such as comprehensive coverage, cashless hospitalisation, and tax deductions, it is a valuable investment for safeguarding your health and financial well-being. Choose Bajaj Allianz General Insurance Company for reliable, comprehensive health insurance coverage.

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What Our Customers Say

Excellent Service

Bajaj Allianz provides excellent service with user-friendly platform that is simple to understand. Thanks to the team for serving customers with dedication and ensuring a seamless experience.

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Amagond Vittappa Arakeri

Mumbai

4.5

27th Jul 2020

Swift Claim Settlement

I am extremely happy and satisfied with my claim settlement, which was approved within just two days—even in these challenging times of COVID-19. 

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Ashish Jhunjhunwala

Vadodara

4.7

27th Jul 2020

Quick Service

The speed at which my insurance copy was delivered during the lockdown was truly commendable. Hats off to the Bajaj Allianz team for their efficiency and commitment!

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Sunita M Ahooja

Delhi

5

3rd Apr 2020

Outstanding Support

Excellent services during COVID-19 for your mediclaim cashless customers. You guys are COVID warriors, helping patients settle claims digitally during these challenging times.

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Arun Sekhsaria

Mumbai

4.8

27th Jul 2020

Seamless Renewal Experience

I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much!

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Vikram Anil Kumar

Delhi

5

27th Jul 2020

Quick Claim Settlement

Good claim settlement service even during the lockdown. That’s why I sell Bajaj Allianz Health Policy to as many customers as possible.

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Prithbi Singh Miyan

Mumbai

4.6

27th Jul 2020

FAQ's

Is INR 25 Lakh health insurance enough?

An INR 25 Lakh health insurance plan offers substantial coverage for most medical expenses, providing financial protection against significant healthcare costs.

Why Buy an INR 25 Lakh Health Insurance Plan?

Buying an INR 25 Lakh term insurance plan ensures comprehensive coverage for medical expenses, offering peace of mind and financial stability during medical emergencies.

What are the INR 25 Lakh Health insurance premium rates?

INR 25 lakh health insurance premium rates vary based on factors such as age, health condition, and coverage options. Comparing different plans can help find the best rate.

Who is eligible to buy INR 25 Lakh Health insurance plans?

Individuals aged 18 and above can buy an INR 25 Lakh term insurance plan, with specific eligibility criteria depending on the insurer's terms and conditions.

What is the grace period on an INR 25 Lakh health insurance Plan?

There is no grace period for the INR 25 Lakh Health Insurance Plan. It is crucial to renew your policy before the expiry date to ensure uninterrupted coverage and avoid the loss of benefits

At what age can you buy an INR 25 Lakh Health Plan?

You can purchase an INR 25 lakh health insurance plan from ages 18 to 65, with options for family members.

If I buy INR 25 Lakhs health insurance, is there any limit on how much I can claim in one go?

No, there is no limit. You can claim up to the sum insured, provided the costs align with policy terms.

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 pla

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 Allianz General Insurance Com

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 Insur

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 Allianz, 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 pro

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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