Bajaj General vs Hdfc Ergo Health Insurance 2026 | PolicyX

Overview

Bajaj General Insurance (a JV of Bajaj Finserv and Allianz SE, since 2001) is one of the largest private insurers, present in 1100+ towns and cities.
COMPANY DETAILS ✎ Edit

Bajaj General

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Hdfc Ergo

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 Cr

Sum Insured

Up to ₹ 2 Cr
Claim ratio

Claim Ratio

99.23%

Claim Ratio

95.30%
Network hospitals

Network Hospital

18400+

Network Hospital

15000+
Solvency Ratio

Solvency Ratio

3.25

Solvency Ratio

2.00
Pan India Presence

Pan India Presence

1100

Pan India Presence

200
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

21,416.80 Crore

Annual premium (company level)

6,099.76 Crore
Years in operation

Years in operation

2001

Years in operation

2006
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

95.99

Claims settled within 3 months

99.16
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Bajaj General Health Insurance

Individual and Family Health Insurance

Bajaj General My Health Care Plan

The Bajaj General My Health Care Plan is a highly flexible and customizable health insurance option for individuals and families, ...

  • Avail Optional Cover
  • Maternity Cover
  • High SI
  • High SI options
  • OPD cover
  • Cataract cover
  • No cover for gender change treatments
  • No cover for obesity treatments
  • Infertility cover not available
  • Avail Optional Cover
  • Maternity Cover
  • High SI
  • 18 to 65 Years
View plan
Individual and Family Health Insurance

Bajaj General Star Package

The Bajaj Allianz Star Package is a comprehensive family floater plan, extending beyond typical health insurance to offer a unique...

  • Super Cumulative Bonus
  • Co-Pay Available
  • 8 Benefit Options
  • Super cumulative bonus
  • Co-pay available
  • 8 benefit options
  • Domiciliary hospitalisation not covered
  • OPD coverage not available
  • Weight management treatments not covered
  • Select from 8 plan options
  • Hospital Cash Daily Allowance
  • Up to INR 1 Crore SI
  • 18 to 65 Years
View plan

HDFC ERGO Health Insurance

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

HDFC ERGO's Arogya Sanjeevani Policy is a foundational health plan, available for individuals or families, offering up to 10 Lakhs...

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses
  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups
  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover
  • Family floater cover
  • Sum Insured up to 10 Lakhs
  • Lifelong renewability
  • Min. Entry Age: 18 Years
  • Max. Entry Age: 65 Years
  • Sum Insured: Up to 10 Lakhs
  • Initial Waiting Period: 30 Days
View plan
Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

The HDFC ERGO Optima Secure Global Insurance Plan provides comprehensive health coverage for individuals and families, extending b...

  • India & Worldwide Coverage
  • High SI up to 2 Crores
  • Aggregate Deductible Discounts
  • Worldwide coverage
  • high sum insured up to INR 2 Crores
  • 4-level sum insured restoration benefit
  • aggregate deductible discounts
  • and no deductions on non-medical expenses.
  • INR 10
  • 000 deductible for overseas claims
  • aggregate deductible applicable only in India
  • no coverage for vaccinations
  • maternity and newborn baby cover not included in the base plan.
  • E-opinion for 51 critical illnesses
  • availability of various add-on covers
  • optional Overseas Travel Secure add-on.
  • Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
  • 2
  • or 3 Years
View plan

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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