Bajaj Critical Illness Plan vs Arogya Supreme Policy Health Insurance Plan 2026 | PolicyX

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Bajaj General Critical Illness insurance plan provides round-the-clock protection against critical illnesses. With a progressive and changing lifestyle, people are becoming prone to illnesses that were not even named a few decades ago.

The mounting medical costs of critical illness treatment can be daunting. Planning your future healthcare with a health insurance policy like Bajaj General, which covers 10 types of critical illnesses, encourages you to live a healthy life. Moreover, it helps your family cope with life-threatening illnesses by providing financial support.

What can you expect from the Bajaj General Critical Illness policy? Its outstanding features include flexibility to optimize your premiums, 100% payout benefit, family coverage, and seamless portability benefit. Details on eligibility, benefits, exclusions, and more are discussed on this page.

PLAN DETAILS

Bajaj Critical Illness Plan

Arogya Supreme Policy

Product Type Individual and Family Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • Covers 10 critical illnesses
  • In-house claim settlement
  • Lifelong renewability
  • Complete protection
  • Choose SI
  • Choose policy tenure
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Not Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Not Covered Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Not Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Not Covered Covered
Hospital_network
(Number of Hospital Network in city)
18400 6000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Not Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Applicable Covered
Plan Entry Age 18 to 65 Years 18 to 65 years
Plan Premium Entry Age and S/A 3,000 7016
Plan Waiting Period 90 30
Plan Coverage - Individual/ Family Floater
Plan Sample Premium 3,000 7016
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Years 1/2/3 Years
ICU Charges Not Covered Covered
Covid-19 Treatment Not Covered Covered
Cataract Not Covered Covered
Automatic Restoration Not Covered Not Covered
Ayush Treatment Not Covered Covered
Modern Treatment Not Covered Covered
E Consultation Not Covered Covered
Air Ambulance Not Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 99.23 -
Solvency Ratio 3.25 2.03
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