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Bajaj General · BAJHLIP26073V082526

Bajaj General Health Guard - Gold Plan

Bajaj General Health Guard - Gold Plan (IRDAI UIN BAJHLIP26073V082526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 50 lakh (13 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Bajaj General Health Guard - Gold Plan is a health insurance plan from Bajaj General. Key specifications: plan type Individual and family floater, room rent SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category, pre-existing disease waiting 36 months.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
Pre-existing disease waiting
36 months

Pros

  • No room-rent cap

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, 50 lakh
Highest sum insured 50 lakh
Entry age From 3 months (no maximum stated)
Room rent SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
Co-payment None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Sum Insured Reinstatement: 100% of Base Sum Insured, once during each Policy Year
No-claim bonus 10% of base Sum Insured per claim-free year, maximum 100% (10 years); reduced by 10% after a claim
Maternity Covered (limit per Policy Schedule by SI) after 72-month waiting period
OPD Not covered

Insurer

Health incurred claim ratio (insurer) 87.31%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 18,400+
IRDAI UIN BAJHLIP26073V082526

About the Health Guard - Gold Plan

Bajaj General Health Guard - Gold Plan (IRDAI UIN BAJHLIP26073V082526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 50 lakh (13 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Bajaj General.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, 50 lakh
  • Entry age: From 3 months (no maximum stated)
  • Room rent: SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
  • Co-payment: None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Sum Insured Reinstatement: 100% of Base Sum Insured, once during each Policy Year
  • No-claim bonus: 10% of base Sum Insured per claim-free year, maximum 100% (10 years); reduced by 10% after a claim
  • Maternity: Covered (limit per Policy Schedule by SI) after 72-month waiting period
  • OPD: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Bajaj General does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Bajaj General's health incurred claim ratio was 87.31% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Bajaj General states a network of 18,400+ hospitals.

Similar plans from other insurers

Other health insurance plans from Bajaj General

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health Guard - Gold Plan

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Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Narayana Health

Arya Health Insurance

  • Individual and family floater Plan type
  • At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Narayana Health

Narayana Aditi

  • Individual and family floater Plan type
  • Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

  • Individual and family floater Plan type
  • SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Health Guard - Gold Plan

Questions

Health Guard - Gold Plan FAQs

It depends on your age, cover, city and options. Bajaj General does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

BAJHLIP26073V082526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category.

Co-payment as stated by the insurer: None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents).

Maternity as stated by the insurer: Covered (limit per Policy Schedule by SI) after 72-month waiting period.

60 days before and 90 days after hospitalisation.

3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, 50 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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