Bajaj Allianz General Insurance Co. Ltd.
Health Care Supreme
UIN BAJHLIP23210V042223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
98.5%
PED waiting
24 months
Specific disease wait
12 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 90 days
Network hospitals
18,000+
Free look
30 days
What this plan does well
- 24-month PED waiting (vs 36 industry standard) — DEALBREAKER ADVANTAGE
- 12-month specific disease waiting (vs 24 industry standard) for 27 conditions — distinct edge
- 24-month maternity waiting (vs 72 in Health Guard)
- Global Cover built-in — outside India treatment if diagnosed in India
- 12 Modern Treatments listed (CIS Section C.I.16)
- All Day Care procedures
- Free annual Preventive Health Check Up
- Outpatient Expenses cover (specialist + investigations + dental + psychiatric)
Watch out for
- Cumulative Bonus capped at 50% (vs industry 100%) — major weakness
- Room rent capping not explicit in CIS — needs policy wording verification
- Restoration only ONCE per policy year
- Physiotherapy capped at 10 sessions per condition (Section C.I.10)
- TAT cashless final bill auth 120 min (vs Health Guard 180 min — actually faster)
- Cover bands narrow (5L-1Cr) compared to Super Star (5L-3Cr)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.