How does the waiting period affect my coverage?

Coverage for pre-existing diseases begins after 36 months, specific treatments after 24 months, except accidents.

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

A No-Claim Bonus increases sum insured for the next policy year without extra premium cost.

Will my health insurance cover treatment abroad?

Overseas treatment isn’t covered, except emergencies with pre-approval. Always check policy terms for details.

Does My Health Care Plan Bajaj include outpatient benefits?

Yes – Bajaj’s “My Health Care Plan” includes built‑in outpatient (OPD) benefits covering doctor consultations, pathology/radiology tests, and annual check‑ups, with an OPD limit equal to 2× the annual premium paid

OneAssure

Health Insurance

Bajaj

My Healthcare plan

My Health Care Plan Bajaj

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

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Bajaj Health Insurance

Final Verdict

The Bajaj My Health Care Plan offers extensive, customizable coverage, including home nursing and AYUSH treatments. Ideal for individuals and families seeking flexible, comprehensive health insurance with high sum insured options.

About

About Bajaj Health Insurance

Bajaj's My Health Care Plan offers customizable health insurance with sum insured options from ₹3 lakhs to ₹5 crores. It covers in-patient hospitalization, ICU charges, surgeries, diagnostics, and prescribed medications. The plan includes pre- and post-hospitalization expenses, day-care procedures, OPD benefits, and annual health check-ups. Unique features include home nursing benefits (up to ₹10,000 per week) and AYUSH treatment coverage. With lifetime renewability and flexible payment options, it ensures financial security for individuals and families against medical expenses.

Bajaj's My Health Care Plan offers customizable health insurance with sum insured options from ₹3 lakhs to ₹5 crores. It covers in-patient hospitalization, ICU charges, surgeries, diagnostics, and prescribed medications. The plan includes pre- and post-hospitalization expenses, day-care procedures, OPD benefits, and annual health check-ups. Unique features include home nursing benefits (up to ₹10,000 per week) and AYUSH treatment coverage. With lifetime renewability and flexible payment options, it ensures financial security for individuals and families...

My Healthcare plan Ratings

My Healthcare plan

Insurer Rating

5.44

out of 10

Insurance Rating

3.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

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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: For 3 Lac to 10 Lac SI -Single Pvt AC Room.For Above 10 Lacs SI-Actuals
ICU: Actual Sum

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

Mandatory co-payment of 10% is applicable.

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: For 3 Lac to 10 Lac SI -Single Pvt AC Room.For Above 10 Lacs SI-Actuals
ICU: Actual Sum

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

Mandatory co-payment of 10% is applicable.

Exclusions

Pre-existing conditions are excluded until the specified waiting period is completed.
Certain specified diseases or procedures have a waiting period before coverage begins.
Expenses related to any illness within 30 days of policy commencement are excluded, except for accidents.
Treatments primarily for investigation or diagnostic purposes without illness manifestation are not covered.
Non-allopathic treatments, unless specifically covered, are excluded.

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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.