OneAssure

Health Insurance

Bajaj

Health Ensure

Bajaj Health Ensure

Cover a hospital stay with room rent up to 1% of the sum insured or ₹5,000 a day, whichever is lower, and add 5% to the cover each claim-free year, up to 25%.

96%

Claim Settlement Ratio

8,000+

Network Hospitals

2.75/10

Plan Rating

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Our Verdict

Expert Review: Bajaj Health Ensure

Final Verdict

Bajaj Health Ensure offers wide-ranging coverage with cashless hospitalization and wellness benefits. Add-ons like critical illness and maternity cover enhance its versatility, making it a solid choice for individuals and families seeking comprehensive and customizable health insurance.

About

What Is Health Ensure?

Bajaj Health Ensure is a comprehensive health insurance plan that aims to provide financial security and access to quality healthcare in case of hospitalization due to illness or injury. It covers a wide range of medical expenses, including inpatient hospitalization, pre and post-hospitalization costs, day care procedures, and even AYUSH treatments. The plan offers various sum insured options, allowing individuals and families to choose a coverage amount that suits their needs. With a vast network of hospitals across India, Health Ensure facilitates cashless treatments, making the claim process smoother and more convenient. Additionally, the plan offers benefits like preventive health check-ups, cumulative bonus for claim-free years, and tax benefits on premiums paid, making it a well-rounded option for those seeking comprehensive health insurance coverage.

Health Ensure Ratings

Health Ensure

Insurer Rating

8.52

out of 10

Insurance Rating

2.75

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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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

Bajaj Health Ensure Inclusions and Exclusions

Room Rent

Normal: Up to Sum Insured
ICU: Pay up to actual ICU expenses provided by the Hospital.

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
Bronchial Thermoplasty
Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy

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

Covers all day care treatments

AYUSH Treatment

Covers all AYUSH treatments

Exclusions

Pre-existing diseases are not covered until the completion of the waiting period.
Injuries or illnesses due to alcohol, drug abuse, or substance misuse are excluded.
Self-inflicted injuries, suicide, or attempted suicide are not covered.
Treatments related to infertility, sterilization, or any assisted reproductive procedures are excluded.
Cosmetic or plastic surgery unless required due to accidents or burns is not covered.

Add ons

Health Ensure Add-Ons and Riders

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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.