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 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

Policy Brochure

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...

Platinum Ratings

Platinum

Insurer Rating

5.44

out of 10

Insurance Rating

4

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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Loyalty Bonus >= 500%

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No Disease Sublimits

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Unlimited Restoration

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Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

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Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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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.

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Waiting Period

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

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.

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...

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...