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Criti Care
Bajaj General Critical Illness plans offer a multitude of benefits, protecting the insured from life-threatening critical diseases. These p…
- 43 critical illnesses cover
- All-stage cancer cover
- Physiotherapy care available
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Bajaj General Health Insurance
Bajaj General HERizon Care
Bajaj General HERizon Care is a groundbreaking policy that addresses t ...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 · 2,711 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement
About Bajaj General HERizon Care
A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.
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. It is the first of its kind health plan which includes comprehensive coverage under three specific verticals: Vita Shield for critical illness, Cradle Care for surrogacy or oocyte donors, and Optional Cover for surgeries and egg freezing methods. This plan also extends coverage for legal expenses related to sexual assault, kidnapping, and acid attacks, a first of its kind in India!
Know more about this plan here.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Adults: 18 – 80 years, Children: 90 days – 35 years
Plan type
Individual
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3/4/5 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
- Surrogacy support
- Oocyte donor cover
- Nurture Nest
Cons
- Waiting period
- Diagnostic tests not included
- Non-medical items
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 Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Discounts
- Preventive health discount - 5%
- Family discount - 10% to 15%
- Early entry discount - 5%
- Loyalty discount - 5%
- Long-term policy discount - 4% to 11%
- Employee discount - 20%
- Online or direct business discount - 10%
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Vita Shield: Under Vita Shield, the plan offers protection against 34 different listed critical illnesses. Additionally, you can enhance coverage with optional extensions for further support, including: Child Education: To secure the education of your children in case you are diagnosed with any critical illness.
- Loss of Job: To mitigate financial instability caused due to employment loss in such cases of critical illness.
- Incidental Expenses: It offers financial assistance for necessary medical expenses like reconstructive surgery, physiotherapy, home nursing, post-surgical implants, and more.
- Holistic Wellness: This plan also takes care of your mental well-being and provides access to resources like community support, diet, and nutrition consultations.
- Cradle Care: Under Cradle Care, this plan supports women through their unique reproductive health journeys. It includes surrogate care, oocyte donors, and more. A range of optional covers includes: Nurture Nest Cover: For women aged between 21 to 45 years who opt for adoption or egg-freezing procedures.
- Motherhood Cover: Provides financial support for assisted reproductive technologies like IVF, ICSI, ZIFT, and more. It also covers maternity expenses, including pre and postnatal care.
- Fetal Flourish Cover: Provides health support for unborn babies, covering prenatal techniques, in-utero surgeries, and congenital disability treatment. A daily allowance is also available for the new mother.
- Prophylactic Surgeries: Procedures like mastectomy and hysterectomy are covered under this plan. Legal expense support for assault, kidnapping, and acid attacks is also covered under this plan.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Obesity and weight control treatment
- Congenital diseases
- Treatment for alcoholism, drug, or substance abuse
- Nurture Nest: After 24 Months
- Prophylactic Surgeries: After 24 Months
- Motherhood Cover: After 24 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum Entry Age: 90 days
- Maximum Entry Age: 80 years
- Sum Insured: ₹3 Lakh to ₹2 Crore
- Waiting Period: 30 days
Other features & benefits
Conclusion
The Bajaj General HERizon plan presents a compelling option for women seeking comprehensive health coverage tailored to their specific needs. Its strengths lie in its inclusive coverage for women-specific critical illnesses, maternity benefits including modern treatments like surrogacy and ART, and the flexibility to customize the plan with optional covers. The potential for premium discounts for healthy lifestyles adds further value. However, before buying the plan, it is advisable to consider its terms and conditions. Ultimately, a well-informed decision, based on a comprehensive understanding of both the advantages and limitations, will ensure that the HERizon plan provides robust financial security and peace of mind.
To learn more about this plan or understand its terms and conditions, you can consult experts at PolicyX.com. We aim to help you find the best health insurance plan for your needs.
Bajaj General HERizon Care: FAQs
The 6 most-asked questions about Bajaj General HERizon Care, answered.
It’s a health insurance policy designed specifically for women, offering coverage for various health needs, including critical illnesses specific to women, maternity expenses, and other related medical costs.
Women aged between 18 and 65 years are eligible to purchase this plan.
Yes, you can buy this plan for your mother or sister, provided they fall within the eligible age group.
The plan covers a range of critical illnesses specific to women, such as breast cancer, ovarian cancer, and others. Refer to the policy document for the complete list.
Yes, there is a waiting period for maternity benefits. Typically, it’s around 9 months, but it’s essential to confirm the exact waiting period in the policy document.
You can file a claim by contacting Bajaj General customer care or through their online portal. The claim process and required documents are usually outlined in the policy document.
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