An effective medical insurance policy is essential because t ...Read More
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Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.
Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.
Updated on Apr 20, 2026 4 min read
An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day by day. If an accident or critical illness befalls you, it may cause a huge financial burden for you and your dependents. A hard-hitting truth is that whether the hospitalization is planned or not, it comes as an unpleasant surprise, and it is sure to cost you heavily. So, it’s better to have the protection of a health insurance policy, which besides helping you to manage your finances, also offers you several other benefits at very affordable premium rates. The Bajaj General Health Insurance has an ample number of options for individuals and families.
Bajaj General is a joint venture between India-based Bajaj Finserv Limited and European financial services company General SE. Bajaj General meets the needs of its customers by offering a wide variety of insurance products, which include health insurance plans. By combining global expertise with local experience, the company provides their clients with customized products and transparent benefits, catering to every segment and age-income profile.
Bajaj General Family Floater Health Guard policy is not only going to cover your loving family but will also protect your savings from getting depleted due to high medical expenses. So let’s discuss the Bajaj General Family Floater Health Guard policy with its key features and benefits.
Bajaj General Family Health Insurance Plan has the following benefits:
| Features | Specifications |
| Entry Age | 18 years to 65 years for Self & Spouse 3 months to 25 years for Children |
| Eligibility for Members | Indian Citizens Non-resident Indian Citizens India Post Payments Bank Customers |
| Sum Insured | 1 / 2 / 3 / 4 / 5 lacs |
| Pre-policy check-up | Up to 65 years, no medical tests required (subject to no adverse medical history) |
The eligibility criteria for Bajaj General Health Insurance for Family is as follows:
The following coverage is offered by the Bajaj General Health Insurance plans for a family:
Ayurvedic/ Homeopathic Hospitalization Expenses (not available under the Health Guard Silver plan)
Convalescence Benefit/ Recovery Benefit (not available under Health Ensure plan)
Maternity Expenses (not available under the Health Guard Silver plan and Health Ensure plan)
New Born Baby Cover (not available under Health Guard Silver plan and Health Ensure plan)
In-patient hospitalization treatment
Pre-hospitalization medical expenses
Post-hospitalization medical expenses
Road ambulance expenses
Daycare procedures
Organ donor expenses
The following are the exclusions by the Bajaj General Health Insurance plans for a family:
A waiting period of 3 years will be applicable in the case of pre-existing diseases.
Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.
Certain diseases such as hernia, piles, cataracts and sinusitis shall be covered after a waiting period of 2 years.
The Bajaj General Health Insurance for Family / Bajaj General Family Floater Health Guard policy has an ample number of options under individual and family floater policies providing extensive coverage up to INR 10 crore. The company provides various benefits such as flexible sum insured options, maternity and newborn cover, extensive coverage of hospitalization expenses, free annual check-ups and a variety of discounts on online and long-term policy tenure. Its wide network of cashless hospitals is impressive.
Bajaj General Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Bajaj General Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Bajaj Health Insurance
To cater to the different medical needs of an individual & their family, Bajaj General Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Bajaj General Health Insurance plans explore more:
Individual
This plan allows HER to be in HERizon! Bajaj General HERizon Care is a groundbreaking policy that addresses the holistic health and wellness of women....
Unique Features
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Individual
Bajaj General Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...
Unique Features
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Top Up and Super Top Up
Bajaj General Extra Care Plus is a super top-up plan launched by Bajaj General that covers all your medical expenses. Bajaj General Extra Care Plus is...
Unique Features
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Senior Citizen Health Insurance
Bajaj General Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insurance plan or j...
Unique Features
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Accident Health Insurance
Bajaj General Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj General's P...
Unique Features
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Individual and Family Health Insurance
A versatile policy covering every family member. Bajaj General Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Av...
Unique Features
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Accident Health Insurance
Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and en...
Unique Features
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Individual
Bajaj General Health Infinity Plan is a unique health insurance plan. Bajaj General Health Infinity Plan has been designed to give policyholders unlim...
Unique Features
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Individual and Family Health Insurance
Bajaj General Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses ...
Unique Features
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Individual and Family Health Insurance
Health Care Supreme is a comprehensive health care plan offered by Bajaj General Health Insurance that provides lifetime coverage against the medical ...
Unique Features
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Critical Illness Health Insurance
Get maximised care and an additional layer of protection against your critical illness worries. The base coverage options of Bajaj General Criti Care ...
Unique Features
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Critical Illness Health Insurance
Protection from critical illnesses when you need it the most! Bajaj General women specific critical illness plan protects women against the serious th...
Unique Features
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Top Up and Super Top Up
Extra Care policy is an additional layer of protection that ensures adequate health coverage. Sometimes, it's not enough to have a health insurance po...
Unique Features
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Critical Illness Health Insurance
Get additional protection against diseases carried by mosquitoes with the M-Care health policy. According to The New Indian Express report of May 2024...
Unique Features
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Individual
Bajaj General Global Health Care plan secures you from losing all the money on healthcare. With the changing facet of health complications, we need to...
Unique Features
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Individual and Family Health Insurance
Bajaj General critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...
Unique Features
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Individual and Family Health Insurance
We all want to give the best facilities to our families and their sound health is of supreme importance to us; hence, we want to be the best regarding...
Unique Features
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Individual and Family Health Insurance
Bajaj General Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...
Unique Features
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Individual and Family Health Insurance
Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medic...
Unique Features
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Individual and Family Health Insurance
Bajaj General My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insu...
Unique Features
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Accident Health Insurance
Global Personal Guard Policy by Bajaj General is an individual and family floater global accident insurance policy that covers you against death, perm...
Unique Features
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Know More About Health Insurance Companies
Yes, there is a difference in waiting periods. Initial 30-day waiting period applicable under the policy except for hospitalization in case of accidental hospitalization (accident date post risk inception date). Pre-existing conditions will be covered after 36 months. Specific diseases like- Cataracts, Hernia of all types, Fistulae, Hysterectomy, etc will be covered after 24 months.
This benefit is available if the insured is hospitalized due to an illness/injury in an Ayurvedic/ Homeopathic Hospital (Government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board).
There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.
Yes, at the block of 3 years (irrespective of claims) Preventive health checkup is given 1% of the sum insured max up to Rs. 2000/- for each member.
It means that we will be covering the charges borne by the insured person towards the admission of the person who will be donating the organ to the insured person. The only condition is that the main claim of the insured person for which the organ is being donated is accepted under the policy. It will be paid up to the sum insured .
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