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.

OneAssure

Health Insurance

Bajaj

Health Infinity

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

6.6

Customer Rating

Brochure

Policy Wording

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96%

Claim Settlement Ratio

12500+

Network Hospitals

6.6

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: Bajaj Health Insurance

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Final Verdict

The Bajaj Allianz 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 Allianz 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 Allianz 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...

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.

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.

Cashless Healthcare Providers

12402+ HealthCare Providers

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.

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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 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...