How does the waiting period affect my coverage?

36-month wait for pre-existing diseases, 24 months for specific conditions, and 30 days for illnesses.

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

If no claims are made during the policy year, the Global Health Care Policy offers a cumulative bonus, increasing the sum insured upon renewal.

Will my health insurance cover treatment abroad?

Yes, the Global Health Care Policy provides comprehensive international coverage, including inpatient and outpatient treatments worldwide.

Are there any riders available with the Global Health Care Plan?

Yes – the Global Health Care Plan offers several optional riders including Dental Benefits, Complementary Treatment (e.g., chiropractic, homeopathy, acupuncture), In‑patient Cash Benefit, Rehabilitation Cover, Accommodation for an accompanying parent, Medical Repatriation & Mortal Remains Repatriation, and likely add-ons like Critical Illness or Overseas Travel, varying by insurer

OneAssure

Health Insurance

Bajaj

Global 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

7.4

Customer Rating

Get a Quote

96

Claim Settlement Ratio

12500

Network Hospitals

7.4

Customer Rating

Our Verdict

Expert Review: Bajaj Health Insurance

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Final Verdict

The Bajaj Allianz Global Health Care plan offers worldwide coverage, including medical, maternity, dental, and wellness benefits. Ideal for frequent travelers and expats seeking comprehensive international health insurance.

About

About Bajaj Health Insurance

Bajaj Allianz’s Global Health Care plan offers international health coverage for frequent travelers and multi-country residents. It includes in-patient hospitalization, ICU charges, surgeries, diagnostics, medications, and day-care procedures. The plan covers pre-hospitalization (60 days) and post-hospitalization (180 days). It also includes organ donor expenses, annual health check-ups, and air ambulance services for medical emergencies. Ensuring seamless healthcare access worldwide, this plan provides financial security for medical expenses both in India and abroad.

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

Room Rent

Normal: At Actual Sum
ICU: At Actual Sum

Co-payment

Mandatory Co-Payment of 20% on each and every claim.

Waiting Period

Pre-Existing Diseases: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 Global Health Care Policy with Insurer.
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 Global Health Care 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

Covered Up to Sum Insured.

Room Rent

Normal: At Actual Sum
ICU: At Actual Sum

Co-payment

Mandatory Co-Payment of 20% on each and every claim.

Waiting Period

Pre-Existing Diseases: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 Global Health Care Policy with Insurer.
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 Global Health Care 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 covered after 36 months of continuous renewal.
Specific illnesses excluded for 24 months from policy inception.
30-day waiting period for cover benefits, except accidental mishaps.
Expenses for investigation and evaluation purposes.
Rest cure, rehabilitation, and respite care.
Treatment for alcoholism, drug, or substance abuse.
Cosmetic or plastic surgery unless medically necessary.
Treatment arising from participation in hazardous or adventure sports.

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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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.