How does the waiting period affect my coverage? Most health insurance policies have a waiting period for pr

The Family Health Care Policy has a 36-month waiting period for pre-existing diseases and conditions.

What happens if I don’t use my health insurance benefits for the entire year?

You may receive a no-claim bonus, increasing your sum insured for the next policy year.

Will my health insurance cover treatment abroad?

The Family Health Care Policy does not provide coverage for treatment outside India.

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Health Insurance

Bajaj

Health Ensure Family Health Care

Family Health Care

Experience India's most trusted health insurance with Bajaj Health Insurance. Get instant cashless treatment at 12500 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

12500

Network Hospitals

7.2

Customer Rating

Get a Quote

96

Claim Settlement Ratio

12500

Network Hospitals

7.2

Customer Rating

Our Verdict

Expert Review: Bajaj Health Insurance

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Final Verdict

Bajaj Allianz Family Health Insurance provides comprehensive coverage for all family members under one plan, including hospital cash and sum insured reinstatement. Ideal for families seeking cost-effective, shared health coverage with cashless treatment.

About

About Bajaj Health Insurance

Bajaj Allianz offers a comprehensive Family Health Insurance plan, also known as a family mediclaim policy, designed to provide extensive health coverage for all family members under a single plan. This policy offers financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. The plan covers multiple family members under a single policy with a shared sum insured, allowing coverage to be utilized on a need basis. This ensures that all family members have access to necessary medical care without the need for separate policies. Additionally, the plan offers cashless treatment at over 18,400 network hospitals, supported by an in-house health administration team. This feature ensures that policyholders can receive timely medical care without the hassle of upfront payments.

Bajaj Allianz offers a comprehensive Family Health Insurance plan, also known as a family mediclaim policy, designed to provide extensive health coverage for all family members under a single plan. This policy offers financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. The plan covers multiple family members under a single policy with a shared sum insured, allowing coverage to be utilized on a need basis. This ensures that all family members...

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

Room Rent

Normal: Up to Sum Insured.
ICU: Up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.

Cashless Healthcare Providers

18,400+ Network Hospitals across India.

Daycare Treatment

Covers treatment or surgery that requires less than 24 hours hospitalization.

AYUSH Treatment

Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.

Room Rent

Normal: Up to Sum Insured.
ICU: Up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.

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Exclusions

Pre-existing diseases are covered after a waiting period of 36 months.
Alternative treatments such as naturopathy, acupuncture, and magnetic therapy are not covered.
Certain specified diseases and procedures have a waiting period of 24 months.
Expenses related to any illness within the first 30 days from the policy commencement date are excluded, except those arising from an accident.
Non-medical expenses such as patient identification bands, file opening charges, and incidental expenses are not covered.

Add ons

Add-Ons

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About the company

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers a comprehensive range of protection, savings, investment, retirement, and group insurance solutions designed to meet diverse customer needs across life stages. The company serves a large customer base of over 3.8 crore policyholders and manages assets exceeding ₹1.2 lakh crore, reflecting its scale and financial strength. The company maintains a...

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers...