Family Health Care
Bajaj
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Coverage for cutting-edge medical procedures like robotic surgeries, oral chemotherapy, and stem cell therapy, ensuring access to the latest healthcare innovations.
Room Rent (Normal & ICU)
The policy covers room rent for both normal hospitalization and ICU stays up to the sum insured, ensuring patients receive quality medical care without additional financial strain.
Policy Wording
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Our Verdict
Bajaj Allianz Family Health Insurance provides comprehensive coverage for all family members under one plan, including hospital cash and sum insured reinstatement. Ideal for families seeking cost-effective, shared health coverage with cashless treatment.
About the Plan
Bajaj Allianz offers a comprehensive Family Health Insurance plan, also known as a family mediclaim policy, designed to provide extensive health coverage for all family members under a single plan. This policy offers financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. The plan covers multiple family members under a single policy with a shared sum insured, allowing coverage to be utilized on a need basis. This ensures that all family members have access to necessary medical care without the need for separate policies. Additionally, the plan offers cashless treatment at over 18,400 network hospitals, supported by an in-house health administration team. This feature ensures that policyholders can receive timely medical care without the hassle of upfront payments.
About the Plan
Product Stats
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Features of the Product
Room Rent
- Normal: Up to Sum Insured.
- ICU: Up to Sum Insured.
- Normal: Up to Sum Insured.
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.
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 diseases are covered after a waiting period of 36 months.
Alternative treatments such as naturopathy, acupuncture, and magnetic therapy are not covered.
Certain specified diseases and procedures have a waiting period of 24 months.
Expenses related to any illness within the first 30 days from the policy commencement date are excluded, except those arising from an accident.
Non-medical expenses such as patient identification bands, file opening charges, and incidental expenses are not covered.
Exclusions
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Add-ons
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Why OneAssure?
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
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