What is the waiting period for pre-existing diseases under Health Guard Platinum?

Pre-existing diseases are covered after 36 months of continuous coverage, subject to policy terms and conditions. Continuity benefits may apply in eligible portability cases.

What is the Super Cumulative Bonus feature?

Health Guard Platinum offers a Super Cumulative Bonus that increases the sum insured by 50% of the base sum insured per year for the first two claim-free years and then by 10% per year for the next five years, subject to policy limits.

Does Health Guard Platinum cover maternity expenses?

Yes. The plan covers maternity expenses, prenatal and postnatal hospitalization, and newborn baby cover. A waiting period of 72 months applies.

Can I get discounts under this plan?

Yes. The policy offers family discounts, wellness discounts, long-term policy discounts, online purchase discounts, and voluntary co-payment discounts subject to eligibility criteria.

OneAssure

Health Insurance

Bajaj

Health Guard Platinum

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 Guard Platinum is a comprehensive high-coverage health insurance plan offering up to ₹1 crore sum insured, Super Cumulative Bonus, wellness rewards, maternity benefits, and newborn protection.

About

About Bajaj Health Insurance

Health Guard Platinum is the highest variant under Bajaj General Insurance's Health Guard product range. It provides hospitalization coverage with sum insured options ranging from ₹5 lakh to ₹1 crore and includes benefits such as maternity cover, newborn baby cover, AYUSH hospitalization, bariatric surgery cover, wellness rewards, and preventive health check-ups. The plan also offers a Super Cumulative Bonus that can substantially increase available coverage during claim-free years. It is designed for individuals and families seeking broad health coverage and higher protection limits.

Health Guard Platinum is the highest variant under Bajaj General Insurance's Health Guard product range. It provides hospitalization coverage with sum insured options ranging from ₹5 lakh to ₹1 crore and includes benefits such as maternity cover, newborn baby cover, AYUSH hospitalization, bariatric surgery cover, wellness rewards, and preventive health check-ups. The plan also offers a Super Cumulative Bonus that can substantially increase available coverage during claim-free years. It is designed for individuals and families...

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

Room Rent

Normal: Up to Single Private Air-Conditioned Room
ICU: Covered up to Sum Insured

Advanced Treatments

Modern treatment coverage available

Co-payment

No mandatory co-payment mentioned.

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Up to Single Private Air-Conditioned Room
ICU: Covered up to Sum Insured

Advanced Treatments

Modern treatment coverage available

Co-payment

No mandatory co-payment mentioned.

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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...