When are pre-existing diseases covered under Health Ensure Individual Plan?

Pre-existing diseases are covered after 24 months of continuous coverage from the date of the first health policy, provided the condition was disclosed during policy purchase. Waiting periods apply again for enhanced sum insured amounts.

Does the plan cover daycare procedures?

Yes. The plan covers listed daycare procedures and surgeries taken as inpatient treatment in a hospital or day care centre.

Is cashless hospitalization available under this policy?

Yes. Cashless hospitalization is available at network hospitals. Ambulance transfer expenses between hospitals are also covered under policy terms.

Does the plan have any co-payment condition?

Yes. Zone B policyholders taking treatment in Zone A cities must pay 20% co-payment on admissible claims. This condition does not apply for accidental hospitalization cases.

OneAssure

Health Insurance

Bajaj

Health Ensure Individual Plan

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

0

Customer Rating

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96

Claim Settlement Ratio

12500

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Bajaj Health Insurance

Final Verdict

Health Ensure Individual Plan is suited for buyers looking for basic hospitalization coverage with flexible family eligibility and long-term renewal support. Lifetime renewability and cumulative bonus benefits add long-term value.

About

About Bajaj Health Insurance

Bajaj Health Ensure Individual Plan is a health insurance policy designed to provide hospitalization coverage for individuals and extended family members. The policy covers in-patient hospitalization, daycare procedures, pre and post hospitalization expenses, ambulance charges, organ donor expenses, and AYUSH hospitalization. It also offers cumulative bonus benefits for claim-free years and lifetime renewal options. Buyers can choose from multiple sum insured options and policy tenures ranging from 1 to 3 years.

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

Room Rent

Normal: Maximum 1% of Sum Insured per day or up to ₹5,000/day, whichever is lower
ICU: Maximum 2% of Sum Insured per day or up to ₹10,000/day, whichever is lower

Advanced Treatments

Chemotherapy
Radiotherapy
Dialysis
Pacemaker implantation
Orthopedic implants
Infra cardiac valve replacements
Vascular stents
Day care procedures

Co-payment

20% co-payment applicable for Zone B policyholders taking treatment in Zone A cities

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months
Specific Disease/Procedure Waiting Period:24 months for listed illnesses like cataract, hernia, piles, sinusitis, hysterectomy, stones, etc.48 months for joint replacement, slipped disc surgery, deviated nasal septum correction, gout, rheumatism, etc.

Cashless Healthcare Providers

Cashless hospitalization available at network hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Maximum 1% of Sum Insured per day or up to ₹5,000/day, whichever is lower
ICU: Maximum 2% of Sum Insured per day or up to ₹10,000/day, whichever is lower

Advanced Treatments

Chemotherapy
Radiotherapy
Dialysis
Pacemaker implantation
Orthopedic implants
Infra cardiac valve replacements
Vascular stents
Day care procedures

Co-payment

20% co-payment applicable for Zone B policyholders taking treatment in Zone A cities

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Exclusions

Not available

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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...