Is maternity covered under Health Care Supreme Vital?

Yes. The plan covers maternity expenses, including delivery and medically necessary termination of pregnancy, subject to a 24-month waiting period and policy conditions. Newborn baby coverage is also included within maternity limits.

Does the plan cover outpatient treatment?

Yes. The plan provides OPD coverage for specialist consultations, investigations, prescribed medicines, psychiatric consultations, and specified dental procedures such as root canal treatment and extractions.

What happens if my sum insured gets exhausted?

The plan includes a Sum Insured Reinstatement Benefit. Once the base sum insured and cumulative bonus are completely exhausted, 100% of the hospitalisation sum insured can be reinstated for eligible future claims during the same policy year.

Are physiotherapy expenses covered?

Yes. Physiotherapy expenses are covered on an outpatient basis when prescribed by a specialist for eligible conditions and taken in a hospital, subject to policy limits and conditions.

OneAssure

Health Insurance

Bajaj

Health Care Supreme Vital

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

Get a Quote

96%

Claim Settlement Ratio

8000+

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Bajaj Health Care Supreme Vital

Final Verdict

Health Care Supreme Vital stands out for combining hospitalisation, OPD care, maternity benefits, physiotherapy coverage, and sum insured reinstatement within a single health insurance policy.

About

About Bajaj Health Care Supreme Vital

Health Care Supreme Vital is Bajaj's comprehensive health insurance plan that combines hospitalisation coverage with several additional healthcare benefits. Apart from inpatient treatment, it includes OPD expenses, physiotherapy benefits, organ donor expenses, maternity cover, newborn cover, and automatic sum insured reinstatement. The plan also covers Ayurvedic and Homeopathic hospitalisation and provides annual preventive health check-ups after renewal. It is suited for individuals and families looking for broader healthcare coverage beyond standard hospitalisation benefits.

Vital Ratings

Ratings: Bajaj Vital

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

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Health Care Supreme Vital

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Not mentioned — verify from policy wordings

Co-payment

No co-payment mentioned

Cashless Healthcare Providers

Cashless facility available through empanelled hospitals

Waiting Period

Initial Waiting Period: 30 Days (except accidents)
Pre-existing Disease Waiting Period: 24 Months
Specific Disease/Procedure Waiting Period: 24 Months for specified illnesses and procedures
Maternity Waiting Period: 24 Months

Daycare Treatment

Covered

AYUSH Treatment

Ayurvedic and Homeopathic hospitalisation covered

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Not mentioned — verify from policy wordings

Co-payment

No co-payment mentioned

Exclusions

Not available

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...