OneAssure

Health Insurance

Bajaj

Health care supreme

Bajaj Health care supreme

Get hospitalisation cover with separate limits for outpatient care, maternity and physiotherapy, and restore 100% of the hospitalisation sum insured once for a later, different illness.

96%

Claim Settlement Ratio

8,000+

Network Hospitals

7.5/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Bajaj Health care supreme

Final Verdict

Bajaj Health Care Supreme offers extensive coverage with customizable add-ons like critical illness and personal accident, plus features like air ambulance and sum insured reinstatement. It's ideal for those seeking comprehensive and adaptable health insurance.

About

What Is Health care supreme?

The Bajaj Health Care Supreme plan is a comprehensive health insurance policy designed to provide financial security and peace of mind in the face of medical emergencies. It offers a wide range of coverage, including hospitalization expenses, pre and post-hospitalization costs, daycare procedures, and even AYUSH treatments. One of its standout features is the option to customize the plan with add-on covers like critical illness cover and personal accident cover, allowing individuals to tailor their policy to their specific needs. With features like sum insured reinstatement, air ambulance cover, and outpatient expense coverage, the Health Care Supreme plan aims to provide holistic healthcare solutions. Additionally, it offers benefits like a cumulative bonus for claim-free years, free health check-ups, and tax benefits, making it an attractive option for those seeking comprehensive health insurance coverage.

Health care supreme Ratings

Health care supreme

Insurer Rating

8.52

out of 10

Insurance Rating

7.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

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

Bajaj Health care supreme Inclusions and Exclusions

Room Rent

This limit could be a fixed amount or a percentage of the sum insured.

Advanced Treatments

The plan covers advanced treatments like Uterine Artery Embolization, HIFU, Balloon Sinuplasty, Robotic Surgeries, Oral Chemotherapy, Immunotherapy, Stem Cell Therapy, and Stereotactic Radio Surgeries for precise, minimally invasive, and effective medical care.

Co-payment

Voluntary Copay Discount: Bajaj Health Ensure offers a voluntary copay discount of 10% or 20%. This means you can choose to pay a portion of the claim amount yourself (10% or 20%), and in return, you'll get a discount on your premium.
No Mandatory Copay: There is no mandatory copayment under the standard Bajaj Health Ensure policy. You can choose a plan with no copayment at all.
Copay Options: The copay options are typically 10% or 20% of the claim amount. The higher the copay percentage, the higher the discount on your premium.

Cashless Healthcare Providers

12,500+ network hospitals

Waiting Period

Initial Waiting Period: 30 days for most illnesses. This means you can't claim for any hospitalization within the first 30 days of your policy, except for accidents.
Pre-existing Diseases: 2 years. If you have a pre-existing condition at the time of policy purchase, you'll have to wait 2 years before it's covered.
Specific Illnesses: 1 or 2 years for certain conditions like hernia, piles, cataract, etc.
Maternity Benefits: 9 months to 2 years.
Accidental Hospitalization: No waiting period, you're covered from day one.

Daycare Treatment

Covered

AYUSH Treatment

Not Covered

Exclusions

Pre-existing diseases are not covered for the first 24 months.
Specific treatments such as ulcers, cataracts, hernias, and joint replacements are excluded in the first year.
Maternity expenses, including childbirth and newborn care, are excluded for the first 24 months.
Dental treatments are not covered unless required due to accidental injury.
Cosmetic or plastic surgery is excluded unless medically necessary due to burns, cancer, or accidents.

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About the company

About Bajaj

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 strong track record of customer trust, with a claim settlement ratio of ~97% and a robust solvency position, underscoring its ability to meet long-term obligations.