Bajaj Allianz M-Care Policy: Vector-Borne Disease Cover | PolicyX
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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General M-Care Plan

The policy pays out lump sum benefits (as per specified limits) upon d ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

About Bajaj General M-Care Plan

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

Get additional protection against diseases carried by mosquitoes with the M-Care health policy.

According to a May 2024 report by The New Indian Express, a sudden rise in vector-borne diseases like Malaria is anticipated, prompting a warning from India's health department.

Many people in suburban and metropolitan regions have suffered from such diseases, which can deplete their savings. These diseases can also lead to severe health complications and significant financial strain. Therefore, it is crucial to address these risks proactively.

As per data, these are some of the most common vector-borne diseases (specifically carried by mosquitoes):

  • Malaria
  • Dengue
  • Chikungunya
  • Japanese encephalitis
  • Lymphatic filariasis
  • Zika virus
  • West Nile virus, and so on

The Bajaj General M-Care health policy offers essential coverage to protect you from mosquito-borne vector diseases. Unfortunately, contracting vector-borne diseases like Malaria, Kala-azar, Chikungunya, or Dengue fever can lead to significant treatment costs. Therefore, purchasing a health policy like the M-Care plan from Bajaj General is a wise decision, especially to safeguard yourself during the monsoon season.

The policy pays out lump sum benefits (as per specified limits) upon diagnosis of a vector-borne disease during the policy period. It's more than a basic health plan; it provides comprehensive coverage against future risks from mosquito-borne diseases.

To learn more about the Bajaj General M-Care health plan, continue reading this page.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Day 1 to 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹10 L, ₹30 L, ₹40 L, ₹75 L
Waiting period
15 days
Renewability
Lifelong
Policy term
1 Year

*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

  • Lump sum payout
  • Family floater option
  • Affordable premiums
  • Short waiting period (15 days)

Cons

  • Limited scope of coverage (only vector-borne diseases)
  • No coverage for hospital admissions less than 24 hours
  • Limited international coverage for diagnosis and treatment

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 Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Optional
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • The Bajaj General M-Care Health Policy does not cover the following permanent diseases or health conditions:
  • Any treatment for diseases other than the specified vector-borne diseases
  • Admission to hospital for less than 24 hours
  • Diagnosis and treatment outside India (with exceptions for New Zealand, Japan, Singapore, Canada, Switzerland, Dubai, USA, Hong Kong, Malaysia, and Countries of the European Union)
  • Claims made within 15 days of the policy's commencement date or renewal date
  • A 60-day waiting period for pre-existing illnesses
  • A 60-day waiting period for claims related to ailments previously claimed for, if renewed within 60 days
  • If the policy is renewed within 60 days of its previous renewal/purchase, a 15-day waiting period will apply to all listed vector-borne diseases.
  • For other exclusions, refer to the detailed terms and conditions in the policy documents provided by the company.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: Day 1
  • Max entry age: 65 Years
  • Initial Waiting Period: 15 Days
  • Sum Insured: Up to 75 K

Other features & benefits

Conclusion

Vector-borne diseases can be highly stressful and debilitating. However, having an additional layer of protection is crucial if you are affected by such diseases. The M-Care health policy offers comprehensive protection against diseases like Dengue, Malaria, Zika virus, and Japanese encephalitis, among others.

It is wise to secure yourself from vector-borne diseases proactively. Reach out to PolicyX for relevant queries at 1800 4200 269.

Bajaj General M-Care: FAQs

The 4 most-asked questions about Bajaj General M-Care Plan, answered.

The waiting period varies from conditions specified as per policy terms & conditions. Any vector-borne disease diagnosed within the first 15 days of policy commencement will be excluded. Refer to detailed policy wordings for the waiting period clause.
This plan is available on an individual and family floater basis. So you can buy the individual plan to cover yourself or buy the family floater to cover self, spouse, dependent children and parents.
The proposer’s minimum to maximum age should be 18 to 65 years respectively. There’s no minimum age (0 days) for dependent children.
Bajaj General M-care policy covers 7 vector-borne diseases which are thoroughly mentioned in the article for your reference.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Anshika Ojha — Health Insurance Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 31 Jan 2025 · Originally published: 31 Jan 2025

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