My Health Care Plan Bajaj Allianz
Bajaj
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers single private AC rooms for sums insured up to ₹10 lakh and actual expenses for higher sums. ICU expenses are fully covered as per the actual hospital bill, ensuring maximum financial protection during hospitalization.
Advanced Treatments
Covers cutting-edge procedures like robotic surgeries, oral chemotherapy, and deep brain stimulation.
Brochure
Policy Wording
Explore more features
Our Verdict
The Bajaj Allianz 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 the Plan
Bajaj Allianz'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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: For 3 Lac to 10 Lac SI -Single Pvt AC Room.
For Above 10 Lacs SI-Actuals
- ICU: Actual Sum
- Normal: For 3 Lac to 10 Lac SI -Single Pvt AC Room.
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.
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.
Cashless Healthcare Providers
18,400+ Network Hospitals across India.
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.
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.
Cosmetic or aesthetic treatments, and weight control programs are not covered.
Self-inflicted injuries, substance abuse, and participation in hazardous activities are excluded.
Exclusions
Related Variants
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We help you maximize your coverage over time for stronger protection.
About the Company
Bajaj Allianz is a well-known insurance company in India. It helps people protect themselves, their families, and their belongings. It was started in 2001 as a partnership between Bajaj Finserv, a famous Indian company, and Allianz SE, a big insurance company from Germany.
The company provides general insurance, health insurance, and life insurance products. This helps you save for the future and protects your family.
Bajaj Allianz has grown fast and now has offices in over 1,100 cities across India. In 2025, Bajaj Finserv announced an agreement to acquire Allianz’s stake, which will make it the sole owner.
The company is known for good customer service, simple processes, and innovative products. Its main goal is to give people peace of mind, knowing they have support when they need it most.
About the Company
Still Confused ?
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.
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.
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