How does the waiting period affect my coverage? Most health insurance policies have a waiting period for pr

The Family Health Care Policy has a 36-month waiting period for pre-existing diseases and conditions.

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

You may receive a no-claim bonus, increasing your sum insured for the next policy year.

Will my health insurance cover treatment abroad?

The Family Health Care Policy does not provide coverage for treatment outside India.

What distinct high-value sum insured options and deployment models can applicants select under this Family Health Care configuration layout?

The policy incorporates a shared financial protection architecture designed for extensive family safety, allowing multiple family members to draw from a centralized baseline protection pool extending up to ₹50 Lakhs layout on a need basis.

Under what parameters do policyholders benefit from a unified single-policy administrative framework?

The plan provides an optimized operational structure that eliminates the need to manage separate individual policies, consolidating multi-profile familial risks under a single shared sum insured layout managed by an in-house health administration team.

OneAssure

Health Insurance

Bajaj

Health Ensure Family Health Care

Family Health Care

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

7.2

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

12500

Network Hospitals

7.2

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Bajaj Health Insurance

Final Verdict

Bajaj Family Health Insurance provides comprehensive coverage for all family members under one plan, including hospital cash and sum insured reinstatement. Ideal for families seeking cost-effective, shared health coverage with cashless treatment.

About

About Bajaj Health Insurance

Bajaj offers a comprehensive Family Health Insurance plan, also known as a family mediclaim policy, designed to provide extensive health coverage for all family members under a single plan. This policy offers financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. The plan covers multiple family members under a single policy with a shared sum insured, allowing coverage to be utilized on a need basis. This ensures that all family members have access to necessary medical care without the need for separate policies. Additionally, the plan offers cashless treatment at over 18,400 network hospitals, supported by an...

Bajaj offers a comprehensive Family Health Insurance plan, also known as a family mediclaim policy, designed to provide extensive health coverage for all family members under a single plan. This policy offers financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. The plan covers multiple family members under a single policy with a shared sum insured, allowing coverage to be utilized on a need basis. This ensures that all family members have...

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: Up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Cashless Healthcare Providers

18,400+ Network Hospitals across India.

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

Covers treatment or surgery that requires less than 24 hours hospitalization.

AYUSH Treatment

Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.

Room Rent

Normal: Up to Sum Insured.
ICU: Up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

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

Pre-existing diseases are covered after a waiting period of 36 months.
Alternative treatments such as naturopathy, acupuncture, and magnetic therapy are not covered.
Certain specified diseases and procedures have a waiting period of 24 months.
Expenses related to any illness within the first 30 days from the policy commencement date are excluded, except those arising from an accident.
Non-medical expenses such as patient identification bands, file opening charges, and incidental expenses are not covered.

Add ons

Add-Ons

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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...