When are pre-existing diseases covered under Health Ensure Individual Plan?

Pre-existing diseases are covered after 24 months of continuous coverage from the date of the first health policy, provided the condition was disclosed during policy purchase. Waiting periods apply again for enhanced sum insured amounts.

Does the plan cover daycare procedures?

Yes. The plan covers listed daycare procedures and surgeries taken as inpatient treatment in a hospital or day care centre.

Is cashless hospitalization available under this policy?

Yes. Cashless hospitalization is available at network hospitals. Ambulance transfer expenses between hospitals are also covered under policy terms.

Does the plan have any co-payment condition?

Yes. Zone B policyholders taking treatment in Zone A cities must pay 20% co-payment on admissible claims. This condition does not apply for accidental hospitalization cases.

OneAssure

Health Insurance

Bajaj

Health Ensure Individual Plan

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

0

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Bajaj Health Insurance

Final Verdict

Health Ensure Individual Plan is suited for buyers looking for basic hospitalization coverage with flexible family eligibility and long-term renewal support. Lifetime renewability and cumulative bonus benefits add long-term value.

About

About Bajaj Health Insurance

Bajaj Health Ensure Individual Plan is a health insurance policy designed to provide hospitalization coverage for individuals and extended family members. The policy covers in-patient hospitalization, daycare procedures, pre and post hospitalization expenses, ambulance charges, organ donor expenses, and AYUSH hospitalization. It also offers cumulative bonus benefits for claim-free years and lifetime renewal options. Buyers can choose from multiple sum insured options and policy tenures ranging from 1 to 3 years.

Health Ensure Individual Plan Ratings

Health Ensure Individual Plan

Insurer Rating

5.44

out of 10

Insurance Rating

2.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Add on

Loyalty Bonus >= 500%

No

No Disease Sublimits

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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: Maximum 1% of Sum Insured per day or up to ₹5,000/day, whichever is lower
ICU: Maximum 2% of Sum Insured per day or up to ₹10,000/day, whichever is lower

Advanced Treatments

Chemotherapy
Radiotherapy
Dialysis
Pacemaker implantation
Orthopedic implants
Infra cardiac valve replacements
Vascular stents
Day care procedures

Co-payment

20% co-payment applicable for Zone B policyholders taking treatment in Zone A cities

Cashless Healthcare Providers

Cashless hospitalization available at network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months
Specific Disease/Procedure Waiting Period:24 months for listed illnesses like cataract, hernia, piles, sinusitis, hysterectomy, stones, etc.48 months for joint replacement, slipped disc surgery, deviated nasal septum correction, gout, rheumatism, etc.

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Maximum 1% of Sum Insured per day or up to ₹5,000/day, whichever is lower
ICU: Maximum 2% of Sum Insured per day or up to ₹10,000/day, whichever is lower

Advanced Treatments

Chemotherapy
Radiotherapy
Dialysis
Pacemaker implantation
Orthopedic implants
Infra cardiac valve replacements
Vascular stents
Day care procedures

Co-payment

20% co-payment applicable for Zone B policyholders taking treatment in Zone A cities

Exclusions

Not available

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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...