Bajaj Allianz Health Insurance Plans 2026 – Types, Benefits, & Premium

Types of Bajaj Allianz Health Insurance 

There are a variety of plans offered by Bajaj General which depend on your age, family size, medical history, and budget. You can check out and choose the right plan according to your requirements from the given below types:  

1. Individual Health Insurance Plan  

This insurance plan is designed for a single person to protect against medical expenses due to illness, accidents, hospitalisation, and any other related treatments. You can get personalised coverage based on your healthcare needs, lifestyle, and budget. You can customise your policy by selecting the coverage amount, sum insured, and optional add-on covers according to your healthcare needs and financial goals. 

2. Family Floater Health Insurance 

This plan provides health coverage to multiple family members under a single policy with a shared sum insured. It typically covers the policyholder, spouse, dependent children, parents, and other eligible dependents. The plan offers financial protection against hospitalisation and related medical expenses. This plan is very affordable and easy to manage as compared to a separate health insurance policy as all family members share the same coverage amount. 

3. Senior Citizen Health Insurance 

This is a health insurance plan which is specially designed for people who are 60 years old or above. The plan covers medical expenses such as hospitalisation, treatments, medicines, ambulance charges, and other healthcare costs. The plan has various benefits such as cashless facilities at network hospitals, tax deductions under Section 80D, customised plans, and family discounts of 5%. 

4. Super Top-Up Health Insurance 

This is an additional health insurance plan that increases the coverage of your existing health insurance policy. This plan is useful when your total medical expenses exceed a specified deductible amount during a policy year. The plan offers you a higher sum insured at a lower premium, which makes it an affordable way to enhance financial protection against major medical emergencies and rising healthcare costs. 

5. Critical Illness Insurance 

This insurance plan provides a lump sum payment if the insured person is diagnosed with a covered critical illness, such as cancer, heart attack, stroke, or kidney failure. Unlike regular health insurance, which reimburses medical expenses, critical illness insurance offers a fixed payout that can be used for treatment costs, recovery expenses, household bills, or loss of income. 

6. Maternity Cover Insurance 

This special health insurance plan is designed for pregnant women, and it covers expenses related to pregnancy, childbirth, and newborn care. The plan covers the costs of prenatal check-ups, delivery (normal or cesarean), postnatal care, medical tests, and cashless hospitalisation. It not only covers mother’s health but also includes congenital disease treatment, important vaccinations, and special care requirements for up to 90 days for newborns. 

Eligibility Criteria to Buy Bajaj General Medical Insurance 

If you want to buy Bajaj General medical insurance, then you should meet the criteria given below: 

1. The minimum age to get the plan is 18 years, and the maximum age is usually 65 years.  The entry age for children is three months (90 days). 
2. You should be a citizen of India or Non-Resident Indian to buy the plan. 
3. A medical check-up before buying apolicy is required for applicants above 45 years or who mentioned health risks in the proposal form. 
4. The initial waiting period is 30 days (except accidental claims), and pre-existing diseases are covered after 2–4 years (depending on the plan). 

Inclusions of Bajaj General Health Insurance 

• Hospitalisation, ICU charges, surgeries, and day care treatments.  

• Medical expenses before and after hospitalisation.  

• Pregnancy, childbirth, and newborn-related expenses.  

• Medical aids expenses such as wheelchairs, walkers, and hearing aids.  

• Fees of doctor consultations, diagnostic tests, and health check-ups.  

• Treatment taken at home when medically required.  

• Advanced and modern medical treatments.  

• Expenses of organ donor during organ transplantation.  

• AYUSH treatments 

• Provides additional coverage if the sum insured is fully utilised.  

• Other benefits such as a cumulative bonus, air ambulance cover, and family visit cover. 

Exclusions of Bajaj General Health Insurance 

• Initial waiting period of 30 days (except for accidental injuries).  

• Pre-existing diseases covered after 12, 24, or 36 months.  

• Cosmetic treatments unless medically necessary.  

• Self-inflicted injuries and substance abuse-related treatments.  

• Maternity benefits are available after the waiting period.  

• Expenses of medical tests that are not related to the current diagnosis or treatment. 

• Non-prescribed vitamins and supplements. 

Add-On Cover Available for Bajaj General Health Insurance 

You can customise your plan by adding add-ons to your plan. You can choose from the covers mentioned below that meet your requirements: 

Key Benefits of Bajaj General Health Insurance 

• You will get comprehensive coverage as the plans cover hospitalisation expenses, ICU charges, day care treatments, ambulance services, and AYUSH treatments. 

• You can have access to 18,400 hospitals across India for cashless treatment. 

• You will get the advantage of no claim bonus, like if you do not make a claim in a year then your coverage amount increases. 

• Premiums paid by you for health insurance are eligible for tax benefits under Section 80D of the Income Tax Act, 1961. 

• You can customise your plan by adding covers such as maternity benefits, consumables cover for OPD and critical illness riders. 

How to Calculate Bajaj General Health Insurance Premiums? 

You can easily calculate and make an estimate for Bajaj General Health Insurance premium. This can be done by using the premium calculator available on the website: 

Step 1: Visit the official website of Bajaj General Insurance. Step 2: Under the tab ‘Product’, click on ‘Health Insurance’. Step 3: Click on ‘Get Quote’ and fill in the details. Step 4: Verify your number by entering the OTP you receive. Step 5: Fill in the personal details such as gender, number of members to cover, Date of Birth, and your required sum insured amount. Step 6: After entering all the details, you will receive your estimated premium instantly.