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Bajaj General · BAJHLIP26074V022526

Bajaj General My Health Care Plan (Plan 1)

Bajaj General My Health Care Plan (Plan 1) (IRDAI UIN BAJHLIP26074V022526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 5 crore (19 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 My Health Care Plan (Plan 1) is a health insurance plan from Bajaj General. Key specifications: plan type Individual and family floater, room rent SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable), pre-existing disease waiting 36 months. Among health insurance here it fits best for high sum insured available.

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Plan type
Individual and family floater
Room rent
SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable)
Pre-existing disease waiting
36 months

Pros

  • Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it
  • No co-payment on claims

Who should buy it

  • Best for High sum insured available · What matters most? (pick any) #2 of 53 health insurance for this

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, 75 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore
Highest sum insured 500 lakh
Entry age 3 months to 65 years
Room rent SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable)
Co-payment None

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: once for SI below 5 lacs; unlimited for SI 5 lacs and above (available for same illness)
No-claim bonus Cumulative bonus 50% per annum max 100% for SI 5 lakh and above (25% for SI 3/4 lakh); reduces in case of claim
Maternity Covered for SI 5 lakh+ (INR 50,000 to 1,00,000 by SI) after 36-month waiting period
OPD Covered up to OPD Sum Insured in Policy Schedule (brochure: OPD benefit of 2X the premium)

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 BAJHLIP26074V022526

About the My Health Care Plan (Plan 1)

Bajaj General My Health Care Plan (Plan 1) (IRDAI UIN BAJHLIP26074V022526) is an individual and family floater health insurance plan with sum insured from 3 lakh to 5 crore (19 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, 75 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore
  • Entry age: 3 months to 65 years
  • Room rent: SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable)
  • Co-payment: None

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: once for SI below 5 lacs; unlimited for SI 5 lacs and above (available for same illness)
  • No-claim bonus: Cumulative bonus 50% per annum max 100% for SI 5 lakh and above (25% for SI 3/4 lakh); reduces in case of claim
  • Maternity: Covered for SI 5 lakh+ (INR 50,000 to 1,00,000 by SI) after 36-month waiting period
  • OPD: Covered up to OPD Sum Insured in Policy Schedule (brochure: OPD benefit of 2X the premium)

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 My Health Care Plan (Plan 1)

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Care Health

Care

  • Individual and family floater Plan type
  • Rs 5/7/10 lakh (Care 4): Single Private Room; Rs 15-40 lakh and above: Single Private Room upgradable to next level if not available; Rs 1-4 lakh: up to 1% of SI per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹21,061 a year*

IndusInd General

HealthGain

  • Individual and family floater Plan type
  • Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare Select

  • Individual and family floater Plan type
  • Single Private Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

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Bajaj General

Health Guard - Gold Plan

  • Individual and family floater Plan type
  • SI 3 lacs 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 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

Head to head

Compare the My Health Care Plan (Plan 1)

Questions

My Health Care Plan (Plan 1) 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.

BAJHLIP26074V022526. 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 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable).

Co-payment as stated by the insurer: None.

Maternity as stated by the insurer: Covered for SI 5 lakh+ (INR 50,000 to 1,00,000 by SI) after 36-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, 75 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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