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 policy offers a free preventive health check-up at designated centers.

Will my health insurance cover treatment abroad?

This policy does not cover treatments conducted outside India.

How does the waiting period affect my coverage?

The Bajaj Health Guard policy includes a 36-month waiting period for pre-existing diseases.

OneAssure

Health Insurance

Bajaj

Health Guard

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

7.2

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

7.2

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Bajaj Health Guard

Final Verdict

The Bajaj Health Guard Family Floater Plan offers extensive coverage, including maternity and wellness benefits. Ideal for families seeking comprehensive health protection with flexibility and lifetime renewability, at competitive premiums.

About

About Bajaj Health Guard

The Bajaj Health Guard Family Floater Plan offers comprehensive medical coverage, including hospitalization, pre- and post-hospitalization, daycare procedures, and ambulance charges. With a sum insured from ₹1.5 lakh to ₹50 lakh, it covers modern treatments, organ donor expenses, and pre-existing diseases after a waiting period. Available in Silver, Gold, and Platinum variants, it includes cashless treatment, annual health check-ups, maternity cover (Gold & Platinum), and tax benefits. With lifetime renewability and wellness programs, it ensures extensive healthcare protection at competitive premiums.

The Bajaj Health Guard Family Floater Plan offers comprehensive medical coverage, including hospitalization, pre- and post-hospitalization, daycare procedures, and ambulance charges. With a sum insured from ₹1.5 lakh to ₹50 lakh, it covers modern treatments, organ donor expenses, and pre-existing diseases after a waiting period. Available in Silver, Gold, and Platinum variants, it includes cashless treatment, annual health check-ups, maternity cover (Gold & Platinum), and tax benefits. With lifetime renewability and wellness programs, it ensures...

Health Guard Ratings

Ratings: Bajaj Health Guard

Insurer Rating

8.52

out of 10

Insurance Rating

4

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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Loyalty Bonus >= 500%

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No Disease Sublimits

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Unlimited Restoration

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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 Health Guard

Room Rent

Normal: Max 1% per day of Sum Insured opted.
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
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.

Co-payment

Zone A city will have to pay 20% copayment on admissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.

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: Max 1% per day of Sum Insured opted.
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
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.

Co-payment

Zone A city will have to pay 20% copayment on admissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.

Exclusions

Pre-existing diseases not disclosed during policy inception.
Cosmetic or aesthetic treatments, unless medically necessary due to injury.
Treatment for self-inflicted injuries or attempted suicide.
Expenses related to substance abuse, including drugs and alcohol.
Medical costs arising from participation in hazardous activities or sports.

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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.