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Bajaj General Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under a single policy. The plan offers 4 plan variants, namely:
The plan is available for individuals between 18 to 55 years for Plan A, B, and C. For Plan D, the entry age criteria is 56 to 75 years.
The policy can be issued for 1, 2, or 3 years with flexible premium payment modes. Policyholders can cover themselves and their spouses under the Bajaj General Tax Gain Plan.
| PLAN DETAILS |
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Bajaj Tax Gain Plan |
Star Family Health Optima Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
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.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
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 | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Applicable |
| Plan Entry Age | 18 to 75 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 2900 | 25318 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | OPD consultations & medicines, in-patient hospitalization, pre & post hospitalization, day care procedures | - |
| Plan Sample Premium | 2900 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | upto 3 years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 99.06 |
| Solvency Ratio | 3.25 | 2.21 |
|
Bajaj Health Insurance Star Health Insurance Plan Detailed Review |
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