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Health Insurance

Compare Health Insurance

HealthGuard

Key Features

An All-rounder Health Cover to Guard Your Family

Coverage Highlights

Get comprehensive coverage for your health
  • Choose 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 Caringly Yours 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

What is Health Insurance?

Health Insurance provides financial coverage for medical expenses incurred due to illness or injury. It offers protection against high healthcare costs, including hospitalisation, surgeries, and treatments.

By paying a premium, individuals or families can secure access to cashless treatment at network hospitals or reimbursements for medical bills. Health Insurance plans vary in coverage and benefits, catering to diverse healthcare needs.

It is a safety net, ensuring unforeseen medical emergencies do not lead to financial strain. Comparing Health Insurance and choosing the right plan can provide peace of mind and timely access to quality healthcare services when needed most.

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

Need for Health Insurance in India

In India, having adequate health insurance is essential due to rising medical costs and increasing health concerns. A health insurance comparison in India helps individuals assess which policy suits them best, providing coverage for expenses like hospitalisations, surgeries, and treatments. By investing in health insurance, individuals protect themselves and their families from financial stress during emergencies. Additionally, tax benefits and cashless treatments at network hospitals make health insurance a necessity for every household in India.

Why Compare Health Insurance Plans Online?

Here’s why you must compare Health Insurance policy online:

- Transparency and Comparison:
Comparing Health Insurance plans online offers transparency by providing detailed information on coverage, premiums, and benefits. This allows you to evaluate multiple plans side by side.

- Cost Efficiency:
Online platforms often offer discounts and special deals that are unavailable offline. Comparing online helps you find cost-effective options that fit your budget.

- Convenience and Accessibility:
You can compare plans anytime, anywhere, without visiting multiple offices. This saves time and effort and offers convenience in decision-making.

- Comprehensive Information:
Online comparison tools provide comprehensive details on policy features, exclusions, and customer reviews, empowering informed decision-making.

- Customised Selection:
It allows you to customise your search based on specific needs, such as coverage for pre-existing conditions or maternity benefits, ensuring the chosen plan meets all requirements.

Download Policy Documents

Get instant access to policy details with a single click

Benefits of Comparing Health Insurance/Mediclaim Plans Online

- Wide Range of Options: Online platforms offer access to various Health Insurance plans from various insurers, providing ample choices.

- Cost Comparison: Easily compare premiums, deductibles, and coverage limits across multiple plans to find the most cost-effective option.

- Convenience: Users can easily compare plans anytime, anywhere, avoiding the need for multiple agent visits or phone calls.

- Transparent Information: You can access detailed policy features, benefits, and exclusions upfront, facilitating informed decision-making.

- Customer Reviews: Always read reviews and ratings from other policyholders to gauge customer satisfaction and service quality.

Different Policies - Individual, Family Floater, Senior Citizen, etc. - Health Insurance Comparison in India

There are various health insurance policies available, each made for different needs. Here’s a breakdown:

- Individual Health Insurance: Covers one person, with premiums based on age and health. This option provides exclusive benefits to the insured person.

- Family Floater Plans: A single plan that covers the entire family under a shared sum insured. Any family member can utilise the cover as needed, making it cost-effective.

- Senior Citizen Plans: These are specialised policies for those aged 60+, offering higher coverage limits, lower co-payments, and additional benefits.

- Group Health Insurance: Provided by employers, covering employees under one plan at discounted rates.

- Critical Illness and Top-up Plans: These options provide extra coverage and a lump sum for specific illnesses or extend coverage once the primary policy’s limit is exhausted.

Key Factors to Keep in Mind While Comparing Health Insurance Plans

Health Insurance not only helps you get a firm grip on your medical bills, it also contributes to you staying fit and healthy. To get the recipe for the optimum Health Insurance plan right, you need the following ingredients. First and foremost, a thorough assessment of your health needs is required. With this as your base ingredient, add in factors such comprehensive coverage, tax benefits and flexible deductibles. Garnish with cost effective premiums. Here are the factors to remember when comparing Health Insurance plans:

Coverage OfferedThe most important reason why you’d buy a Health Insurance plan is the coverage offered by it. Ultimately, what good is health insurance if does not provide adequate cover during medical emergencies?

Check the coverage offered by the plan as the first step while comparing Health Insurance plans. While most policies offer the same basic coverage, there are variations in terms of absolute limits. It is better to avoid a policy that offers a multitude of features most of which are redundant.

Policy Sub-limits

Each plan may have sub-limits for specific benefits like ambulance charges or room rent within the broader sum insured. Understanding these limits ensures you're aware of potential out-of-pocket expenses.

No Claim Period

This waiting period varies among policies and dictates when coverage begins for specific illnesses after purchasing the policy. Shorter waiting periods are advantageous for immediate coverage.

Cashless Claim Facility

A vital feature is that cashless claims allow for seamless medical treatment without upfront payments at network hospitals, easing financial burdens during emergencies.

Entry Age

Ensure the policy's entry age criteria match your family's needs, including upper age limits for children and eligibility for parents or in-laws.

Exclusions

Understand which conditions or treatments are excluded from coverage to avoid surprises during hospitalisation.

Add-on Benefits

These enhance standard coverage with additional benefits like maternity cover or critical illness riders, tailoring the plan to your specific health needs.

Renewability

Opt for plans offering lifelong renewability to maintain continuous coverage as you age and effectively safeguard against future medical expenses.

Cost Effectiveness

Ultimately, affordability is a major consideration when it comes to Health Insurance premiums. You obviously do not want to pay a ton for your health insurance cover, when you could have got better options at a cheaper rate.

The amount that you ought to be paying for your health insurance plan should be justifiable and appropriate relative to the benefits it has to offer.

How to Compare Different Medical Insurance Plans in India?

Below are the key factors to always keep a note of when you are comparing Health Insurance plans in India:

- Budget:
Evaluate whether the plan is affordable and fits within your monthly budget. Assess if paying premiums in instalments or full payment suits your financial strategy. Automatic premium debits can simplify payments, freeing up time for other priorities.

- Claim Settlement:

Review the insurer's claim settlement process. Look for quick and hassle-free claim settlements with high settlement ratios, ensuring smooth reimbursement or cashless treatment during emergencies.*Claims are subject to terms and conditions set forth under the Health Insurance policy.

- Number of Members Covered:
Check if the plan covers dependents or family members. Ensure the policy includes adequate coverage for all members you intend to insure under one plan.

- Coverage:
Consider the coverage specifics, including inpatient hospitalisation, outpatient treatments, pre-existing conditions, and critical illnesses. Choose a plan which aligns with your healthcare needs and provides comprehensive coverage for various medical expenses.

Compare Health Insurance Policy

Quick question: What do you think shapes your life, chance or choice? Whatever your answer to this question, there is no denying the fact that life is uncertain. When you get unexpected good news, you feel blessed. But bad things can cause your citadel of happiness to crumble.

Regarding health, taking chances or making choices can make all the difference!

Consider an illness or injury, for instance. No one can predict when it will strike. What can be assumed to be true is financial strain and mental agony, given the rapidly rising medical inflation and resulting stress.

While there are bound to be circumstances over which you have no control, a number of preemptive steps can help you live a healthier and happier life. They can add years to your life and win you the admiration of family and friends. That’s the beauty of choice!

Your future self will be grateful if you adopt a healthy exercise routine and eat right starting today. After all, the current state of your health is the result of years of hits and misses, too. A good first step would be to inventory how healthy you look and feel.

After consulting your doctor and making lifestyle changes, consider getting Health Insurance or renewing it. Many Health Insurance options are currently available in the market that can put you at ease regarding rising medical expenses. Go ahead and compare health insurance plans after identifying your top three requirements and assessing what the plans have to offer.

In the long term, investing in a balanced Health Insurance plan can multiply your returns in terms of assured treatment options and give you peace of mind. By now, we’re sure you have a good idea of the type of coverage you need for the foreseeable future.

Begin by researching plans that offer flexibility and adequate coverage. To compare Health Insurance plans, read reviews and call a few companies you may have shortlisted. In the final scheme of things, coverage and preconditions are key factors to consider. The cost of your plan, though important, should not take precedence over its utility.

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

What is the Ideal Coverage for Health Insurance?

The ideal health insurance coverage amount varies by individual and location.

Profile

Recommended Coverage

Explanation

Individuals

INR 5-10 lakh (Tier 2 & Tier 3 cities)

Young individuals in smaller cities generally require lower coverage. In Tier 1 cities, INR 10 lakh or more is advisable to cover higher healthcare costs.

Families

INR 10-20 lakh (Tier 2 cities)

For a family in Tier 2 cities, INR 10-20 lakh is suitable. Tier 1 city families may require INR 30 lakh or more to ensure adequate coverage for multiple members.

 

INR 30 lakh and above (Tier 1 cities)

 

Senior Citizens

INR 10 lakh (Tier 3 cities)

Senior citizens often face higher healthcare needs. INR 10 lakh in Tier 3 cities may suffice, while those in Tier 1 cities should consider upwards of INR 20 lakh coverage.

 

INR 15 lakh and above (Tier 2 cities)

 

 

INR 20 lakh and above (Tier 1 cities)

 

Comprehensive Option

INR 1 crore coverage

For those seeking extensive protection, an INR 1 crore policy provides assurance with broad coverage for major treatments and unforeseen medical expenses.

Top-up Option

Variable, based on base policy coverage

Adding a top-up policy extends your coverage once the base limit is exhausted, providing additional security without significantly increasing premiums.

By choosing the right health insurance policy with Bajaj Allianz General Insurance Company, you can be assured of optimal protection for your health and finances. Start your health insurance comparison today to secure peace of mind for you and your loved ones.

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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

Which Health Insurance is the best?

The best Health Insurance with Bajaj Allianz depends on your specific needs, considering coverage options and premium affordability.

What is the best app to compare Health Insurance plans?

For detailed comparisons, use Bajaj Allianz's website or the Caringly Yours app. To choose the right plan, focus on coverage details, premiums, claim procedures, and added benefits like cashless treatment.

Which Health Insurance is best in the market?

The best Bajaj Allianz Health Insurance plan varies based on coverage benefits and policy features and is tailored to individual health requirements.

How to compare the best Health Insurance in India?

You can compare Bajaj Allianz Health Insurance plans by analysing the coverage limits, premium rates, and optional add-ons to find the perfect option for your healthcare needs.

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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