Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Co. Ltd.)
Health Guard
UIN BAJHLIP26073V082526We 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
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
18,000+
Free look
30 days
What this plan does well
- Silver/Gold/Platinum tier structure with differentiated room rent + bariatric + recharge
- Platinum: Recharge Benefit 20% SI increase + Super CB 50% first 2yr + 10% next 5yr (max 150%)
- Cover bands 1.5L-1Cr (across tiers)
- All standard Day Care procedures
- Convalescence + Daily Cash for child <12yr accompanying parent
- Bariatric surgery with BMI eligibility criteria
- Voluntary deductible options ₹50K-3L for premium discount
- TAT cashless preauth 60 min
Watch out for
- MATERNITY WAITING 72 MONTHS (Gold/Platinum only) — major dealbreaker
- Proportionate deduction on Pharmacy/Consumables/Implants/Diagnostics when room rate exceeds eligibility
- Cataract sub-limited to 20% SI per eye, max ₹1L
- Bariatric sub-limited (max ₹5L Gold/Platinum)
- Zone copay if treated outside premium-paid zone
- Specific waiting tiered 24/36 months (long list)
- Modern Treatments not explicitly listed in CIS — needs verification
- Domiciliary not in CIS base coverage section
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.