Bajaj General Health Insurance Overview
Bajaj General Insurance Company Limited, one of the leading health insurance companies, is a joint venture between Bajaj Finserv Limited and Allianz SE.
They joined hands in May 2001 to start Bajaj General Insurance. They offer various health insurance plans for individuals, families, critical illness, and group insurance, among others. You can customize your plans as per your requirements.
In the last two decades, they have empowered many lives with their products and services in the insurance market.
Key Advantages of Bajaj General Health Insurance
- 18,400+ Network Hospitals
- Claims settled in 60 minutes
- "Caringly Yours" Mobile App available for download
- Sum Insured up to 25 Cr
- 24x7 Customer Support
Features That Set Bajaj General Health Insurance Apart
- Initiate and track claims easily via the Bajaj General Mobile App
- Earn rewards for living a healthy lifestyle
- Emergency air ambulance services
- International travel for treatments
- Unlimited teleconsultations
Bajaj General Awards and Accolades
- Best Use of Data Analytics in Fraud Detection Award
- Finnoviti Trophy for Reach - Sarvatra Bima/Insurance on Wheels
- Best Cyber Insurance Award
- Digital Transformation Trailblazer Award
- Operational Resilience Award
Why Choose Bajaj General Health Insurance?
- Bajaj General offers customers 24x7 support
- A wide network of hospitals
- Settle up to INR 20,000 claim settlement amount via the Bajaj General App
- Wide product portfolio
- In-house Health Administration Team for faster claims processing
What Is Covered By Bajaj General Insurance?
In-Patient Hospitalisation
The health insurance policies at Bajaj General cover you for expenses related to any medical treatment you receive while staying in the hospital.
Pre and Post Hospitalisation
Coverage for pre and post-hospitalisation is included for up to 60 to 90 days, respectively.
Organ Donor Expenses
Organ donation is a noble cause; your Bajaj mediclaim policy covers all surgical and medical procedures related to organ donation.
Day Care Treatments
As technology advances, medical treatments available are also advancing. Procedures taking less than 24 hours are covered by your Bajaj General policy.
Maternity Expenses and Newborn Baby Cover
Your Bajaj General health cover will take care of expenses that can occur while delivering the baby and the treatment of the newborn baby, if required.
What Is Not Covered By Bajaj General Insurance?
Self-Inflicted Injuries
Bajaj General health policies will not cover injuries or hospitalisation caused by self-harm.
Cosmetic Procedures
Bajaj General Health Insurance plans do not cover any cosmetic surgeries or treatments.
Adventure Sports
Bajaj General Health Insurance plans will not cover you for hospitalisations or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Bajaj General Insurance plans mostly do not cover treatments related to obesity and weight management, such as bariatric surgeries.
Involvement In Illegal Activities
Bajaj General health insurance company plans do not cover individuals or families for hospitalisation or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In Bajaj General Health Insurance Plans?
Various waiting periods are applicable across different plans offered by Bajaj General Health Insurance. Let us discuss them:
Initial Waiting Period
An initial waiting period of 30 days is applicable on all Bajaj General Health Insurance plans, starting from the date of purchase.
Pre-existing Waiting Period
Pre-existing diseases such as hypertension, diabetes, and others have a waiting period varying between 2 to 4 years, depending on the plan you opt for.
Survival Period
The survival period is the number of days mentioned in your critical illness health policy that you need to survive after being diagnosed with a critical illness to get plan coverage.
Bajaj General Health Insurance Buying Process
If you are looking to purchase Bajaj General Health Insurance online, follow these simple steps:
- Step 1: Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2: Click on 'Get free quotes' and compare Bajaj General Health Insurance Plans as per your needs.
- Step 3: Select and pay premiums online for the Bajaj General health insurance plan of your choice.
- Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Bajaj General Health Insurance plan.
Documents Required For Bajaj General Health Policy Claim Settlement
Submit the following documents when filing for Bajaj General health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report (FIR), final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Calculate Bajaj General Health Insurance Policy Premiums?
Compare and calculate the best health policies with the PolicyX premium calculator using these simple steps:
- Step 1: Visit the official website of 'PolicyX'.
- Step 2: Fill in details such as name, number of family members to be covered, city, and other information.
- Step 3: Click on 'Get Quotes'.
For assistance with Bajaj General health insurance policy premium calculation or other queries, connect with PolicyX health insurance experts at 1800-4200-269.
Bajaj General Insurance Claim Process Steps
You can file for cashless as well as reimbursement claims for your Bajaj General Insurance Plans by following these easy steps:
- Step 1: Visit the nearest network hospital and show your Bajaj General cashless card and valid ID proof like a Passport, PAN Card, Voting card, etc.
- Step 2: Fill in the TPA form and provide the necessary details.
- Step 3: Bajaj General will review your request, after which the hospital bill is settled between the insurer and network hospital.
How to Renew Bajaj General Health Insurance?
Follow these steps for Bajaj General Health Insurance policy renewal:
- Step 1: Visit the official website of Bajaj General Health Insurance Company.
- Step 2: Click on the ‘Renew’ tab.
- Step 3: Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Bajaj General health insurance policy renewal at 1800-4200-269.
How To Port To Bajaj General Health Insurance?
To port your existing policy to Bajaj General health insurance, follow the steps mentioned below:
- Step 1: Fill out the portability form and send the application to Bajaj General Health Insurance Company 45 days before the renewal date of your existing health plan.
- Step 2: As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3: Once the policyholder's details are verified, the new insurance company must communicate its decision – either approval or rejection – within 15 days.
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