The policy pays out the lump sum benefits (as per specified ...Read More
The policy pays out the lump sum benefits (as per specified limits of your policy) on getting diagnosed with a vector-borne disease during the policy period. Furthermore, it’s not just one of your basic health plans, it paces up your way to be covered for future havoc in the form of a mosquito bite. ...Read Less
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99.23%
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11+ Years
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Quotes Generated
100K+
Happy Customers
PolicyX is one of India's leading digital insurance platform
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Get additional protection against diseases carried by mosquitoes with the M-Care health policy.
According to The New Indian Express report of May 2024, there will be a sudden rise in vector-borne diseases like Malaria, and the health department of India has also circulated a warning regarding the same.
Many people in suburban as well as metropolitan regions have suffered from such diseases causing them to lose out on their savings. Additionally, these diseases cause you to lose your body organ's metabolism rapidly. Hence, this needs to be addressed as soon as you get the news of being affected by one of such diseases.
As per the data, these are the most common vector-borne diseases (specifically carried out by mosquitoes):
Bajaj General M-Care health policy is the health coverage that all you need to be safe from vector-borne diseases carried out by mosquitoes. Unfortunately, once conceived with vector-borne diseases like Malaria, Kala-azar, Chikungunya, Dengue fever, and so on, you will be losing money on treatment. Hence, it is always a great decision to purchase a health policy like the M-Care health plan by Bajaj General. It will help safeguard you from the danger of getting ill this monsoon.
The policy pays out the lump sum benefits (as per specified limits of your policy) on getting diagnosed with a vector-borne disease during the policy period. Furthermore, it's not just one of your basic health plans, it paces up your way to be covered for future havoc in the form of a mosquito bite or pollen allergies (as a Gen-Z would say).
What more to expect? Read this page further on to know about Bajaj General M-Care health plan.
Health Insurance Plans
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Health Insurance Plan
To understand Bajaj General M-Care Plan Insurance in detail, take a look at the below table:
Day 1 to 65 years
Critical Illness Health Insurance
10 K | 30 K | 40 K | 75 K
15 Days
Lifelong
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.
Read more specifications in the brochure.
With wide coverage options available, Bajaj General M-Care Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Optional
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
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.
Permanent diseases or health conditions that are not included under Bajaj General M-Care Health Policy are:
Any treatment other than for vector-borne diseases as listed in the coverage section
Admission to hospital for less than 24 hours
Diagnosis and treatment outside India (exceptionally New Zealand, Japan, Singapore, Canada, Switzerland, Dubai, USA, Hong Kong, Malaysia, and Countries of the European Union)
Coverage claims are made within 15 days of the policy’s commencement date and the same on renewal.
60 days of waiting period for covering the pre-existing illnesses
60 days of cooling off period (if renewed within 60 days of the previously paid claims for the same ailments already claimed for)
Policy renewed within 60 days of policy admission (same as previous renewal/purchase), 15 days of the waiting period will be applicable on all listed vector-borne diseases.
Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
Vector-borne diseases are so stressful to get into the trap of! And nobody should seriously be staying calm in such conditions. However, if you have been affected by any vector diseases by any chance, there must be something handy to give you an additional layer of protection. M-Care health policy is such a plan that offers quality healthcare and all-round protection from diseases such as Dengue, Malaria, Zika virus, and Japanese encephalitis, among others.
So, better late than never. Always stay a step ahead, and secure yourself from vector-borne diseases right away. Reach out to PolicyX for relevant queries at 1800 4200 269.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Individual and Family Health Insurance
Bajaj Allianz Health Ensure is a health insurance policy that comes with comprehensive benefits at an affordable price. It is a perfect product to car...
Unique Features
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
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
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
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
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
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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February 5, 2023
Asia/Kolkata
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