Bajaj Health care supreme
Bajaj
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The Bajaj Health Care Supreme plan offers hospital room rent coverage without capping for normal rooms and ICUs, ensuring full financial protection.
Advanced Treatments
The Bajaj Health Care Supreme plan covers advanced treatments like robotic surgeries, stem cell therapy, proton beam therapy, and cyberknife.
Brochure
Explore more features
Our Verdict
Bajaj Allianz Health Care Supreme offers extensive coverage with customizable add-ons like critical illness and personal accident, plus features like air ambulance and sum insured reinstatement. It's ideal for those seeking comprehensive and adaptable health insurance.
About the Plan
The Bajaj Allianz Health Care Supreme plan is a comprehensive health insurance policy designed to provide financial security and peace of mind in the face of medical emergencies. It offers a wide range of coverage, including hospitalization expenses, pre and post-hospitalization costs, daycare procedures, and even AYUSH treatments. One of its standout features is the option to customize the plan with add-on covers like critical illness cover and personal accident cover, allowing individuals to tailor their policy to their specific needs. With features like sum insured reinstatement, air ambulance cover, and outpatient expense coverage, the Health Care Supreme plan aims to provide holistic healthcare solutions. Additionally, it offers benefits like a cumulative bonus for claim-free years, free health check-ups, and tax benefits, making it an attractive option for those seeking comprehensive health insurance coverage.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
This limit could be a fixed amount or a percentage of the sum insured.
Advanced Treatments
The plan covers advanced treatments like Uterine Artery Embolization, HIFU, Balloon Sinuplasty, Robotic Surgeries, Oral Chemotherapy, Immunotherapy, Stem Cell Therapy, and Stereotactic Radio Surgeries for precise, minimally invasive, and effective medical care.
Co-payment
- Voluntary Copay Discount: Bajaj Health Ensure offers a voluntary copay discount of 10% or 20%. This means you can choose to pay a portion of the claim amount yourself (10% or 20%), and in return, you'll get a discount on your premium.
- No Mandatory Copay: There is no mandatory copayment under the standard Bajaj Health Ensure policy. You can choose a plan with no copayment at all.
- Copay Options: The copay options are typically 10% or 20% of the claim amount. The higher the copay percentage, the higher the discount on your premium.
Waiting Period
- Initial Waiting Period: 30 days for most illnesses. This means you can't claim for any hospitalization within the first 30 days of your policy, except for accidents.
- Pre-existing Diseases: 2 years. If you have a pre-existing condition at the time of policy purchase, you'll have to wait 2 years before it's covered.
- Specific Illnesses: 1 or 2 years for certain conditions like hernia, piles, cataract, etc.
- Maternity Benefits: 9 months to 2 years.
- Accidental Hospitalization: No waiting period, you're covered from day one.
Cashless Healthcare Providers
12,500+ network hospitals
Daycare Treatment
Covered
AYUSH Treatment
Not Covered
Exclusions
Pre-existing diseases are not covered for the first 24 months.
Specific treatments such as ulcers, cataracts, hernias, and joint replacements are excluded in the first year.
Maternity expenses, including childbirth and newborn care, are excluded for the first 24 months.
Dental treatments are not covered unless required due to accidental injury.
Cosmetic or plastic surgery is excluded unless medically necessary due to burns, cancer, or accidents.
Non-allopathic treatments like Ayurveda, Homeopathy, and Unani are not covered.
Treatment for HIV, AIDS, and related conditions is excluded.
Exclusions
Related Variants
Looking for a Specific Hospital ?
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
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
