Insurance Company
Bajaj Allianz General Insurance
Policy Name
My Health Care Plan
Expert Overview -
Bajaj Allianz General Insurance was established in 2001 and has over two decades of experience in general insurance. Its health insurance segment benefits from long-term operational expertise and strong brand backing.
Plan Strategy -
Individual health insurance plan with multiple customizations available
Network Hospitals
12,000+
>8,500 recommended
Claim Ratio
96.98%
>95% recommended
Complaints
3.153
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
Sub limits on specified diseases
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
Unlimited restoration available for unrelated diseases
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
90 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables Covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Options Available for Change in PED waiting Period1,2,3 year
Options Available for Change in Specific Disease waiting Period1,2,3 year
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
