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Bajaj General Health Insurance
Bajaj General Health Ensure
Bajaj Allianz Health Ensure is a health insurance policy that comes wi ...Read More
Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement
About Bajaj General Health Ensure
A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.
Bajaj Allianz Health Ensure is a health insurance policy that comes with comprehensive benefits at an affordable price. It is a perfect product to care for medical expenses for you and your family in case of unfortunate events of hospitalization for illness or injury.
The plan includes basic benefits like hospitalization cover, pre and post medical expenses, and additional features such as cumulative bonus and wellness discounts, making it a suitable option for those seeking simple and cost-effective health coverage.
Find out everything about the plan in this article, and make an informed purchase decision.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 Years to No Upper Age Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹6 L, ₹7 L, ₹8 L, ₹9 L, ₹10 L
Waiting period
30 Days
Renewability
Lifetime
Policy term
1 | 2 | 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Comprehensive coverage
- Cumulative bonus
- Lifelong renewal
Cons
- Domiciliary not covered
- No coverage for infertility
- Sub-limits applicable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Bajaj Health Insurance
Benefits of Bajaj Allianz Health Ensure
The Bajaj Allianz Health Ensure Policy comes with many advantages to help you make the most of your insurance. Here are some of these benefits:
-
Coverage for Individuals and Families
Bajaj Allianz Health Ensure Policy offers protection for both individuals and their families, ensuring the well-being of your loved ones.
-
Comprehensive Coverage
This policy provides extensive coverage, including hospitalization, pre and post-hospitalization expenses, daycare procedures, organ donor expenses, and even preventive health check-ups.
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No Pre-Policy Medical Tests (Up to 50 years)
If you're under 50 and have a clean proposal form, you won't need to undergo pre-policy medical tests, making it easy to get coverage.
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Coverage for Pre-Existing Conditions
Pre-existing diseases are covered after 24 months from your first Health Ensure Policy year, giving you coverage even if you have existing health conditions.
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Income Tax Benefits
You can enjoy income tax benefits under section 80D of the Income Tax Act for the premiums paid towards this policy, reducing your tax liability.
-
Cumulative Bonus
With a 5% cumulative bonus for each claim-free year, your coverage increases over time as a reward for maintaining good health.
-
Lifetime Renewal
This policy offers the valuable benefit of lifetime renewal, ensuring that you can continue to avail of coverage as long as you need it.
-
Coverage for Indian Nationals and NRIs
Bajaj Allianz Health Ensure Policy caters to Indian nationals residing in India and is also an option for Non-Resident Indians (NRIs), as long as premiums are paid in Indian currency through an Indian account.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- The policy has certain exclusions or situations where coverage may not apply. The following are some of the exclusions:
- Rest cure, rehabilitation, and respite care expenses.
- Obesity and weight control treatments.
- Treatments related to changing gender.
- Cosmetic or plastic surgeries.
- Injuries incurred during hazardous or adventure sports.
- Any expenses resulting from a breach of law.
- Sterility and infertility treatments.
- Treatments for substance abuse.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- 18 Years to no upper age limit
Other features & benefits
- Individual and family plan
- Flexible premium payment term
- AYUSH cover
Bajaj General Health Ensure: FAQs
The 5 most-asked questions about Bajaj General Health Ensure, answered.
Yеs, prе-existing disеasеs arе covеrеd aftеr 24 months of continuous covеragе havе passеd sincе thе datе of inception of thе first Hеalth Ensurе Policy.
Yеs, you can accumulatе a 5% no claim bonus for еach claim-frее yеar, which increases your covеragе ovеr timе.
Dental treatments likе cosmetic surgery and dentures arе not covеrеd unlеss thеy rеsult from an accidеntal injury to natural tееth rеquiring hospitalization.
Thе minimum еntry agе is 18 yеars, and for dependent childrеn or grandchildren, it is as young as 3 months.
This policy is availablе for Indian nationals rеsiding in India and can also bе optеd for by NRIs, providеd thеy pay prеmiums in Indian currеncy through an Indian bank account.
Conclusion
The Bajaj General Health Ensure Policy is a valuable insurance plan that offers comprehensive covera
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