How does the waiting period affect my coverage?

The Health Infinity Policy imposes a 36-month waiting period for pre-existing diseases and specific conditions.

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

The policy offers a no-claim bonus, increasing the sum insured for claim-free years.

Will my health insurance cover treatment abroad?

The Health Infinity Policy does not provide coverage for medical treatments outside India.

Does the plan provide restoration of the sum insured?

Yes. The plan may offer restoration benefits that replenish the sum insured after it has been partially or fully exhausted, subject to policy conditions.

Are AYUSH treatments covered?

Yes. The plan may cover treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH), subject to policy terms and approved treatment centers.

Is there coverage for home healthcare treatment?

Yes. Home healthcare expenses may be covered when treatment is prescribed by a medical practitioner and meets policy requirements.

OneAssure

Health Insurance

Bajaj

Health Infinity

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

6.6

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

6.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Bajaj Health Insurance

Final Verdict

The Bajaj Health Infinity Plan offers unlimited coverage with comprehensive benefits like critical illness, maternity, and ambulance cover. Ideal for individuals seeking extensive, lifelong healthcare protection with no upper limit on sum insured.

About

About Bajaj Health Insurance

The Bajaj Health Infinity Plan offers extensive health coverage with no upper limit on the sum insured. It covers in-patient hospitalization, ICU charges, surgeries, medications, and specialist fees. Pre-hospitalization is covered for 60 days, and post-hospitalization for 90 days. The plan includes day-care procedures, ambulance cover up to ₹5,000, and preventive health check-ups every three years. Available for 1, 2, or 3-year terms, it provides cashless treatment at 18,400+ hospitals and tax benefits under Section 80D.

The Bajaj Health Infinity Plan offers extensive health coverage with no upper limit on the sum insured. It covers in-patient hospitalization, ICU charges, surgeries, medications, and specialist fees. Pre-hospitalization is covered for 60 days, and post-hospitalization for 90 days. The plan includes day-care procedures, ambulance cover up to ₹5,000, and preventive health check-ups every three years. Available for 1, 2, or 3-year terms, it provides cashless treatment at 18,400+ hospitals and tax benefits under Section...

Health Infinity Ratings

Health Infinity

Insurer Rating

5.44

out of 10

Insurance Rating

3.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

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 Sum Insured.
ICU: Pay up to actual ICU expenses provided by the Hospital.

Co-payment

Co-payment would apply on the claim amount exceeding 100 times of the room rent limit and not on the Complete claim.

Cashless Healthcare Providers

12402+ HealthCare Providers

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.

Daycare Treatment

Listed daycare procedures are covered.

AYUSH Treatment

Covered Up to Sum insured.

Room Rent

Normal: Up to Sum Insured.
ICU: Pay up to actual ICU expenses provided by the Hospital.

Co-payment

Co-payment would apply on the claim amount exceeding 100 times of the room rent limit and not on the Complete claim.

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.

Exclusions

Hospital admissions primarily for diagnostic purposes.
Expenses for enforced bed rest without active treatment.
Treatment for obesity or weight control.
Procedures related to gender transformation.
Cosmetic or plastic surgeries unless for reconstruction post-accident or burns.

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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...