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Health Insurance
Pradhan Mantri Jan Arogya Yojana in Gujarat
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
Health Insurance for All: PM-JAY Implementation in Gujarat
The Ayushman Bharat scheme, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a crucial initiative designed to provide health coverage to economically vulnerable families. In Gujarat, this scheme, popularly referred to as the Ayushman Bharat Card in Gujarat or Gujarat Ayushman card, brings quality healthcare services to millions of residents across the state. The scheme primarily targets the financially underprivileged, offering them insurance coverage for essential healthcare services at no cost. Bajaj Allianz General Insurance Company Limited is one of the insurers involved in facilitating the PMJAY scheme in Gujarat.
What is PMJAY (Ayushman Bharat Yojana) in Gujarat?
The Ayushman Bharat in Gujarat, launched under the PMJAY, is an extensive health protection scheme catering to the healthcare needs of low-income families in both urban and rural areas. It aims to reduce the financial burden of healthcare by covering hospitalisation costs up to Rs. 5 lakh per year per family.
The Ayushman Bharat Card Gujarat enables beneficiaries to access cashless and paperless medical treatment at public and private hospitals across the state, with insurance providers like Bajaj Allianz General Insurance Company Limited facilitating the process, to ensure that quality healthcare is available to all, regardless of their financial situation.
Eligibility Criteria of PMJAY Health in Gujarat
To avail the benefits of the PMJAY Gujarat, residents must be from specified categories SC/ST, Lower Income Group or EWS. They should meet specific eligibility criteria based on socio-economic status. The eligibility is determined by the Socio-Economic Caste Census (SECC) data from 2011, and the scheme primarily covers:
- Families living in a single room with kucha walls and roof.
- Households without an adult member aged 16-59 years.
- Families with no able-bodied adult members.
- Landless households earning a livelihood through manual labour.
Features of PMJAY: Ayushman Bharat Yojana Scheme in Gujarat
The Ayushman Bharat Card Gujarat offers several key features that make it a lifesaver for economically vulnerable families. Some of the prominent features include:
- Cashless treatment at both public and private empanelled hospitals, including those supported by Bajaj Allianz General Insurance Company Limited.
- Coverage of up to Rs. 5 lakh per family per year for secondary and tertiary healthcare.
- No restrictions on the number of family members covered.
- Coverage for pre-existing conditions from day one.
- Transportation cost reimbursement during hospitalisation.
Benefits You Deserve
Wide coverage
Choose your coverage as per your requirement
Wellness Discount
Stay fit during the policy year and enjoy 12.5% discount on renewal
Reinstatement Benefits
Unlimited reinstatement of the sum insured upto 100% SI after its depletion
Benefits of Ayushman Bharat Yojana in Gujarat
The Ayushman Bharat Yojana in Gujarat provides multiple benefits to ensure healthcare accessibility for low-income families:
- Free treatment at all empaneled hospitals across Gujarat.
- Coverage of over 1,400 medical conditions, including critical illnesses like cancer, heart diseases, and kidney issues.
- Access to follow-up care for all major treatments.
- Support for day-care procedures without the need for extended hospitalisation.
At-A-Glance
Compare Insurance Plans Made for You
| Plans |
Health Guard Silver |
Health Guard Gold |
Health Guard Platinum |
|---|---|---|---|
| Hospital & Day Care SI | INR 1.5/ 2 Lacs | INR 3 Lacs to INR 50 Lacs | INR 5 Lacs to INR 1 Cr. |
| Room Limits | Up to 1% of SI per day and ICU at actuals | Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals | Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals |
| Pre- & Post-Hospitalisation | Pre: 60 days & Post: 90 days | Pre: 60 days & Post: 90 days | Pre: 60 days & Post: 90 days |
| Organ Donor, AYUSH, Modern Treatments | Up to sum insured | Up to sum insured | Up to sum insured |
| Road Ambulance | INR 20,000/policy year | INR 20,000/policy year | INR 20,000/policy year |
| Preventive Check-Up | 1% of SI (max up to 2,000) once in 3 years | 1% of SI (max up to 5,000) once in 3 years | 1% of SI (max up to 5,000) once in 2 years |
| Maternity & Newborn Care | Not covered | As per limits specified | As per limits specified |
| Convalescence Benefit | INR 5,000/policy year | INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above | INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above |
| Sum Insured Reinstatement | 100% of the base sum insured | 100% of the base sum insured | 100% of the base sum insured |
| Wellness Discount | Up to 12.5% wellness discount for healthy habits on renewal | Up to 12.5% wellness discount for healthy habits on renewal | Up to 12.5% wellness discount for healthy habits on renewal |
| More Covers | See Policy documents for more details |
Download Policy Documents
Get instant access to policy details with a single click
What Ayushman Bharat (PM‑JAY) Covers in Gujarat?
The Ayushman Bharat Card Gujarat covers the following healthcare services:
- Pre-hospitalisation expenses for up to 3 days.
- Post-hospitalisation expenses for up to 15 days.
- Costs of medicines and diagnostics.
- ICU services and non-intensive care.
- Surgical procedures and follow-up care.
What is not Covered Under PM-JAY in Gujarat?
The following are not covered under the PMJAY Gujarat scheme:
- Outpatient treatments not requiring hospitalisation.
- Cosmetic surgeries unless related to injury.
- Dental procedures unless linked to severe health issues.
- Surgeries purely for aesthetic purposes like fat grafting or rhinoplasty.
- Organ transplant procedures.
Why Insure Your Health with Bajaj Allianz?
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Step-by-Step Guide
To help you navigate your insurance journey
How to Buy
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0
Visit Bajaj Allianz website
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1
Enter personal details
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2
Compare health insurance plans
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3
Select suitable coverage
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4
Check discounts & offers
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5
Add optional benefits
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6
Proceed to secure payment
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7
Receive instant policy confirmation
How to Renew
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Login to the app
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1
Enter your current policy details
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2
Review and update coverage if required
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3
Check for renewal offers
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4
Add or remove riders
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5
Confirm details and proceed
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6
Complete renewal payment online
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7
Receive instant confirmation for your policy renewal
How to Claim
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Notify Bajaj Allianz about the claim using app
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Submit all the required documents
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2
Choose cashless or reimbursement mode for your claim
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3
Avail treatment and share required bills
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4
Receive claim settlement after approval
How to Port
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Check eligibility for porting
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1
Compare new policy benefits
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2
Apply before your current policy expires
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3
Provide details of your existing policy
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4
Undergo risk assessment by Bajaj Allianz
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5
Receive approval from Bajaj Allianz
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6
Pay the premium for your new policy
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7
Receive policy documents & coverage details
How to Register for the PMJAY Scheme Online in Gujarat?
The process of ayushman card online registration Gujarat is straightforward:
- Visit the official PMJAY website.
- Click on the ‘Am I Eligible’ tab and enter your mobile number.
- Submit the CAPTCHA and OTP received and enter your state details.
- If eligible, your name will appear in the beneficiary list.
Documents Required to Apply for Ayushman Bharat Yojana in Gujarat
To apply for the Ayushman Bharat Card Online Gujarat, you need the following documents:
- Aadhaar Card or PAN Card for identity proof.
- Income certificate to verify financial status.
- Caste certificate (if applicable).
- Mobile number and residential address details.
How to Know If You Qualify for PM-JAY Health Coverage
- To check your eligibility for the Gujarat Ayushman card:
- Visit the official Ayushman Bharat website.
- Enter your name, ration card number, or mobile number.
- You can also check your status by visiting a nearby Common Service Centre (CSC) or by contacting the PMJAY helpline.
Critical Illnesses Covered Under PM‑JAY in Gujarat H2
The PMJAY Gujarat scheme covers numerous critical illnesses, including:
- Cancer treatment, including chemotherapy.
- Cardiac surgeries like coronary artery bypass grafting.
- Orthopaedic surgeries like knee replacement.
- Neurological procedures like skull base surgery.
How to Download Your Ayushman Bharat Yojana Card Online in Gujarat?
To download the Ayushman Card Online Gujarat:
- Visit the Ayushman Bharat official portal.
- Log in with your credentials and use your Aadhaar Card to generate your card.
- The card can be downloaded and printed for future use
Ayushman Bharat Scheme Hospitalisation Process in Gujarat
The PMJAY Gujarat scheme ensures a hassle-free hospitalisation process for beneficiaries:
- Visit an empanelled hospital and provide your Ayushman Bharat ID.
- The Pradhan Mantri Arogya Mitra at the hospital will assist in verifying your eligibility and initiating the treatment process.
- The treatment is entirely cashless, and the network insurance provider such as Bajaj Allianz General Insurance Company Limited, directly settles the medical bills.*
* Standard T&C Apply
Critical Diseases Covered Under PM‑JAY in Gujarat
The PMJAY Gujarat covers a wide range of critical illnesses:
- Cardiovascular diseases, including angioplasty and stenting.
- Cancer treatment, including radiation therapy.
- Kidney-related treatments like dialysis.
- Complex surgeries, including organ transplants.
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- Customised plans that grow with you
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- Expert advice tailored to your profile
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.
Amagond Vittappa Arakeri
Mumbai
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.
Ashish Jhunjhunwala
Vadodara
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!
Sunita M Ahooja
Delhi
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.
Arun Sekhsaria
Mumbai
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!
Vikram Anil Kumar
Delhi
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.
Prithbi Singh Miyan
Mumbai
27th Jul 2020
FAQ's
What is the process to get an Ayushman card in Gujarat?
The Ayushman Card Gujarat can be obtained online by visiting the official PMJAY portal, verifying eligibility, and downloading the card. Alternatively, you can visit a Common Service Centre (CSC) for assistance.
Do the beneficiaries have to pay anything to get coverage under the Ayushman Bharat health insurance scheme in Gujarat?
No, the Ayushman Bharat Yojana in Gujarat is entirely free for eligible families, covering treatment costs without requiring any out-of-pocket expenses.
Are diabetic patients covered under the PM Ayushman Bharat Yojana Scheme in Gujarat?
Yes, diabetes and related complications are covered under the PMJAY Gujarat scheme.
How long is Ayushman valid in Gujarat?
The Ayushman Bharat Card Gujarat is valid for the lifetime of the beneficiary, provided they remain eligible under the scheme's criteria.
What should I do if the hospital refuses to treat a beneficiary under the Ayushman Bharat Scheme in Gujarat?
In case of refusal, contact the PMJAY helpline or the Pradhan Mantri Arogya Mitra present at the hospital. They will help resolve the issue and ensure you receive the required treatment
Is cancer covered under the Ayushman Bharat Yojana Scheme in Gujarat?
Yes, cancer treatment, including chemotherapy and surgeries, is covered under the Ayushman Bharat in Gujarat scheme.
Is health insurance cover under the Ayushman Yojana scheme in Gujarat enough?
For most secondary and tertiary healthcare needs, the coverage of Rs. 5 lakh provided under the PMJAY Gujarat is sufficient.
How to update data in PMJAY in Gujarat?
Visit the official PMJAY portal and log in with your credentials to update your data or visit a nearby CSC for assistance.
How to change the mobile number in PMJAY in Gujarat?
Log in to the PMJAY portal and update your mobile number under the profile section.
Does PMJAY in Gujarat cover people above the age of 80 years?
Yes, the PMJAY Gujarat scheme provides coverage to all eligible individuals, including those above 80 years of age.
Does the PMJAY scheme in Gujarat offer coverage to farmers?
Yes, farmers falling under the specified socio-economic criteria are covered under the Ayushman Bharat Yojana in Gujarat.
Does Ayushman Bharat in Gujarat cover orthopaedic treatment?
Yes, orthopaedic treatments, including surgeries and rehabilitation, are covered under the PMJAY Gujarat scheme.
How can I find my Household ID number for PMJAY in Gujarat?
You can find your Household ID by visiting the PMJAY portal and entering your details or by visiting a CSC.
How to make a PMJAY card in Gujarat?
The Ayushman Card Gujarat can be made by visiting the official PMJAY portal, checking eligibility, and downloading the card.Is the Ayushman card free in Gujarat?
Is the Ayushman card free in Gujarat?
Yes, the Ayushman Bharat Card Gujarat is provided free of cost to eligible beneficiaries.
Is there any age limit for the Ayushman Card in Gujarat
The Ayushman Bharat in Gujarat scheme has transformed the healthcare world by offering essential medical coverage to those in need. With comprehensive benefits and a hassle-free application process, it continues to ensure that healthcare remains accessible to all.
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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