How does the waiting period affect my coverage?

36-month wait for pre-existing diseases, 24 months for specific conditions, and 30 days for illnesses.

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

If no claims are made during the policy year, the Global Health Care Policy offers a cumulative bonus, increasing the sum insured upon renewal.

Will my health insurance cover treatment abroad?

Yes, the Global Health Care Policy provides comprehensive international coverage, including inpatient and outpatient treatments worldwide.

Are there any riders available with the Global Health Care Plan?

Yes – the Global Health Care Plan offers several optional riders including Dental Benefits, Complementary Treatment (e.g., chiropractic, homeopathy, acupuncture), In‑patient Cash Benefit, Rehabilitation Cover, Accommodation for an accompanying parent, Medical Repatriation & Mortal Remains Repatriation, and likely add-ons like Critical Illness or Overseas Travel, varying by insurer

OneAssure

Health Insurance

Bajaj

Global Health Care

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

7.4

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

8000+

Network Hospitals

7.4

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Bajaj Global Health Care

Final Verdict

The Bajaj Global Health Care plan offers worldwide coverage, including medical, maternity, dental, and wellness benefits. Ideal for frequent travelers and expats seeking comprehensive international health insurance.

About

About Bajaj Global Health Care

Bajaj’s Global Health Care plan offers international health coverage for frequent travelers and multi-country residents. It includes in-patient hospitalization, ICU charges, surgeries, diagnostics, medications, and day-care procedures. The plan covers pre-hospitalization (60 days) and post-hospitalization (180 days). It also includes organ donor expenses, annual health check-ups, and air ambulance services for medical emergencies. Ensuring seamless healthcare access worldwide, this plan provides financial security for medical expenses both in India and abroad.

Global Health Care Ratings

Ratings: Bajaj Global Health Care

Insurer Rating

8.52

out of 10

Insurance Rating

5

out of 10

No Room Rent Limit

Yes

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 Global Health Care

Room Rent

Normal: At Actual Sum
ICU: At Actual Sum

Co-payment

Mandatory Co-Payment of 20% on each and every claim.

Cashless Healthcare Providers

18,400+ Network Hospitals across India.

Waiting Period

Pre-Existing Diseases: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 Global Health Care Policy with Insurer.
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 Global Health Care 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

Covered Up to Sum Insured.

Room Rent

Normal: At Actual Sum
ICU: At Actual Sum

Co-payment

Mandatory Co-Payment of 20% on each and every claim.

Waiting Period

Pre-Existing Diseases: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 Global Health Care Policy with Insurer.
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 Global Health Care 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 covered after 36 months of continuous renewal.
Specific illnesses excluded for 24 months from policy inception.
30-day waiting period for cover benefits, except accidental mishaps.
Expenses for investigation and evaluation purposes.
Rest cure, rehabilitation, and respite care.

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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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.