What is Health Insurance?

Health insurance is a vital financial tool, covering all major hospitalization and medical needs that arise due to accidents or other factors. For this purpose, comprehensive health insurance plans offer benefits like critical illness treatments, hospitalisation coverage, daycare procedures, room rent charges, and organ donor expenses, among others. To buy health insurance, individuals can conveniently explore and compare options available online. This streamlined process enables informed decision-making, making it easier for policyholders to secure insurance that suits their needs from their preferred health insurance companies. Choosing the right policy provides confidence in facing medical uncertainties with adequate financial protection.

Health Insurance Plans Available at Bajaj Markets

Insurance Partner
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Health Insurance Plan
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Premium Price
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Claim Settlement Ratio
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Aditya Birla Health Insurance

Group Activ Health




Aditya Birla Health Insurance

Base Policy




Aditya Birla Health Insurance

Enhanced Policy




Aditya Birla Health Insurance

Super Top Up




Bajaj Allianz General Insurance

Family Health Care Gold




Bajaj Allianz General Insurance

Extra Care Plus




Bajaj Allianz Health Insurance

Health Guard Silver




Bajaj Allianz Health Insurance

Health Guard Gold




Bajaj Allianz Health Insurance

Health Guard Platinum




Care Health Insurance

Care Health Insurance








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Our Partners

With great expertise in the insurance sector, Bajaj Allianz General Insurance Co. brings to you, extensive insurance plans that are designed to fit your diverse needs. Their insurance expertise marrying Bajaj Markets' digital approach further offers you convenience, & great value for money!

We understand your needs and priorities. When it comes to protecting your valued assets, health is always on the top of the list. That’s why we bring you, health insurance by Aditya Birla Health Insurance, only on Bajaj Markets. With an extensive product portfolio of unique offerings like incentivized wellness and critical care, you need not look any further.

Staying healthy is not a choice! But health risks can knock at your door, anytime! Worried that such scenarios could put a burden on your pocket? Not anymore! With Care Health Insurance now available on Bajaj Markets, you can take care of your family's health, especially in times of need, without worrying about healthcare costs.

The Tata AIG General Insurance Company Limited is a joint venture between the American International Group (AIG) and the Tata Group. One of their key offerings is the Tata AIG Health Insurance, which has an outstanding claim settlement ratio of 96.43% for FY 2020-21.

Key Highlights of Health Insurance

Here are the key highlights of Health Insurance plans available on Bajaj Markets. 

Key Highlights

Details and Specifications

Extensive Medical Insurance Coverage

Up to ₹2 Crores

Lifetime Renewal


AYUSH Treatment


Day-care Treatment


Pre-hospitalisation and Post-hospitalisation cover


Room Rent Charges


Road Ambulance Coverage


Cashless Treatment


Add-ons and Top-ups


COVID-19 Health Insurance


Day care procedures


Features & Benefits of Health Insurance

Exploring the features and benefits of health insurance reveals a spectrum of advantages, including enticing discounts, diverse health plans catering to individual needs, streamlined paperwork processes for convenience, and flexible payment options. Dive into the varied plans available to discover a tailored solution that aligns with your unique healthcare requirements.

1. Comprehensive Coverage

You can get very comprehensive medical insurance coverage which can include benefits for a plethora of medical needs and expenses. Health Insurance can cover:

  • Hospitalisation costs

  • Room rent

  • Surgery costs

  • Consultations

  • Therapy

  • AYUSH treatments

  • Pre-hospitalisation and post-hospitalisation and more

2. Financial Security

A Health Insurance plan can offer you both cashless and pay-out coverage. This could be in the form of a lump sum or in the form of the insurance sum trickled as daily cash coverage. The pay-out option could help you pay your medical bills as well as support your family’s basic needs during hospitalisation. 

3. Pre-existing Disease Cover

You can claim the coverage from your insurer for the ailments and diseases that existed prior to purchasing your Health Insurance policy. Pre-existing ailments essentially refer to the asymptomatic illnesses developed prior to the policy duration that remained dormant and can be fatal if diagnosed at a later stage. 

4. Lifetime Protection

As per the Insurance Regulatory and Development Authority of India (IRDAI), you can continue to renew your Health Insurance policy for the rest of your life. This keeps the plan consistently active and allows you to claim benefits and coverage for as long as you’d like.

5. Tax Exemptions

Under Section 80D of the Income Tax Act of 1961, you are entitled to tax benefits as a regular premium-payer of Health Insurance. You can apply for up to ₹75,000 in tax benefits for the insurance purchased for yourself, your spouse, children, parents, etc. 

6. Network Access

Insurers often form tie-ups with various hospitals and medical facilities. This partnership allows you to approach such network hospitals and facilities for cashless treatments. Here, the hospital expenses you incurred will be settled between the insurer and the hospital. You are not required to pay anything from your own pocket up to the sum insured. Bajaj Markets offers you partners that hold affiliations with 6000+ network hospitals respectively.


Types of Health Insurance Plans

Insurance providers in India offer a diverse range of health insurance plans to meet the unique needs of individuals. You can discover policies on Bajaj Markets that provide coverage for yourself, your spouse, elders, children, etc. Explore various health insurance types, including family health insurance, accident insurance, and coverage for coronavirus-related expenses. 


Bajaj Markets ensures a comprehensive selection, covering daycare procedures, OPD expenses, and offering tax benefits as per IRDAI guidelines. Find the right type of health insurance for your specific requirements and enjoy financial protection in the face of unforeseen health challenges.

1. Individual Health Insurance Plans

Medical emergencies can catch you off-guard at any time. This is why it is critical for you to secure yourself with an Individual Medical Insurance plan. This plan is designed to offer adequate coverage for emergency medical treatment. With benefits like cashless treatments, pre-hospitalisation and post-hospitalisation coverage, benefits of daycare treatments and more, the individual health insurance plan is a great choice. 

On Bajaj Markets, you can find individual health insurance policies starting at ₹333/month with coverage starting at ₹2 Lakhs. 

2. Family Health Insurance Plans

When it comes to our loved ones, we always want to choose the best treatment options available. While you can definitely go for individual Medical insurance plans for each of the family members, family health insurance is the better choice.

With a family health insurance plan, a defined sum insured coverage amount is split among the family members for treatment costs. Being a single plan that offers coverage for the entire family, you need to pay a single premium amount, making it a cost-effective choice.

You can apply for family floater medical policies with coverage starting at ₹5 Lakhs for ₹708/month.

3. Senior Citizen Health Insurance Plans

Senior citizen health insurance plans are specifically designed for people above the age of 60 years. You can buy the policy for your parents or parents-in-law. It usually covers numerous critical illnesses, pre-hospitalization and post-hospitalisation treatment, in-patient costs, daycare procedures, and more. Besides, if you have a senior citizen health insurance plan for your parents, you can claim tax deductions under Section 80D of the Income Tax Act, 1961.

Bajaj Markets offers senior citizen health plans starting at just ₹1,868/month with minimum coverage of ₹2 Lakhs.

4. Top-Up Health Insurance Plans

In case you have already purchased a Medical insurance plan with lower coverage but wish to increase the coverage limit, the most cost-efficient way is a health insurance top up plan. Top-up health insurance is a very valuable add-on that can help you extend your total coverage amount by a large margin while you only pay a small portion of the original cost of the health plan.

Top-up health insurance is available on Bajaj Markets starting at ₹160/month with a basic coverage of ₹5 Lakhs. 

5. Group Health Insurance Plans

Offering group health insurance is one of the perks that employers offer their employees these days. Just like any other Medical insurance policy, the group health insurance plans offer coverage for medical treatment costs and more.

Group health insurance plans can be purchased on Bajaj Markets starting at ₹853/month with a starting coverage of ₹5 Lakhs. 

COVID-19 Health Insurance Plans

1. Corona Rakshak Policy

This plan covers various needs related to COVID-19. In the event of a 72-hour hospitalisation due to COVID-19, you can claim the sum insured from the insurance company. You can also claim benefits that cover various protective items such as: 

  • Personal Protective Equipment

  • Ventilators

  • Oxygen cylinders, etc. 


Each premium payment can help you subscribe to the Corona Rakshak policy for up to 9.5 months. You can claim its benefits and coverage if you are diagnosed with COVID-19 within that policy term.

2. Corona Kavach Policy

This benefit-based plan offers you wholesome coverage for hospital treatments, at-home COVID-19 care and AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) treatments. Under this policy, you can also claim coverage for protective items and other equipment used for COVID-19 treatment. 

Know Which Health Insurance Plan is Good for You?

To get the best medical health Insurance policy in India, it is important to understand what this policy covers and excludes. Hence, you can find below the inclusions and exclusions of Health Insurance.

1. You don’t have any dependents or any major financial responsibilities

  • Activ Assure Health Insurance

  • Group Activ Health Insurance

  • Health Guard Silver/Gold/Platinum Health Insurance

  • Care Health Insurance  

2. You have dependent family members to look after 

  • Family Health Care Gold Health Insurance

  • Group Activ Health Insurance

  • Care Health Insurance  

3. You wish to secure your parents’ health

  • Activ Assure Diamond Health Insurance

  • Family Health Care Gold Health Insurance

  • Health Guard Silver/Gold/Platinum Health Insurance

  • Care Health Insurance

What is covered & not covered in Health Insurance Policy?

To get the best medical health Insurance policy in India, it is important to understand what this policy covers and excludes. Hence, you can find below the inclusions and exclusions of Health Insurance.


Pre-hospitalisation & Post-hospitalisation

Day-care Procedures

Cashless Treatments

Covers expenses before and after your hospitalisation 

Short-term hospitalisation that does not exceed 24 hours

Medical bills settled between insurer and hospital

Coverage for treatments, diagnosis, medication, therapy, consultations, etc. 

Offers coverage for accidental injuries, intensive care observation, etc. 

Organ Donor Expenses

 Daily-cash for Hospitalisation

Road Ambulance Coverage

Organ transplantation surgery expenses coverage for organ transport, the surgeon’s fees, the nurse’s fees, transfusions, etc.

Daily cash benefit disbursed daily over an extended duration

Coverage for road ambulance charges in the form of cashless service or reimbursement


Pre-existing Illnesses

Injuries of Specific Nature

Dental Procedures

Ailments that exist prior to purchasing your Medical Health Insurance policy

Injuries caused due to war-like conditions, nuclear activity, terrorist activities/conditions of terrorism, etc. 

Medical bills settled between insurer and hospital

Waiting period of 2 years to 4 years is applicable to such conditions

Emergencies Led by Substance Abuse

Injuries Inflicted Due to Dangerous Activities

Self-inflicted Injuries

Medical emergencies born from misuse of substances such as alcohol, drugs or other addictive substances 

Injuries inflicted on you during activities military, air force or naval participation, adventure sports, racing, etc.

Any injuries that you inflict upon yourself deliberately 

Eligibility Criteria and Required Documents for Health Insurance

In order to get a Health Insurance in India, you need to meet a set of eligibility criteria. Additionally, you are required to provide your insurer with essential documents for verification and the completion of your application.

1. Eligibility Criteria

Here are the terms of the eligibility that you have to meet if you would like to get private Health Insurance in India.

2. Age of Applicant

As per the norms and regulations of Health Insurance plans in India, an adult is required to range between 18 years to 65 years of age while dependent children need to fall within the range of 90 days to 25 years. 

3. Examinations and Screenings

Those above 45, 55 or 60 years are required to undergo pre-medical examinations and screenings.  

4. Health Insurance Documents

You will be asked for any of the following documents in order to purchase or apply for a health policy. 

Age Proof

Address Proof

Identification Proof


Aadhar Card

Voter ID

Adhar Card 

Electricity Bill

Aadhar Card

Birth Certificate

Telephone Bill

PAN Card

Pan Card 

Ration Card


Voter ID

Driving Licence, etc.

Driving Licence, etc.

  • Passport-size Photograph

It is important to note that the insurer could request for additional documents as and when required. 

Why Compare Health Insurance Plans?

Given below are all the reasons why comparing Medical Insurance plans can be beneficial for you.


Comparing Medical Health Insurance plans offline can be a highly tedious task. Hence, online comparison cuts a majority of the effort by bringing varied Health Insurance options to you under one roof fREAD MOREor you to analyse.  READ LESS

Comparison and Analysis

With a variety of Health Insurance plans accessible to you on one single platform, you can carry out a detailed and meticulous comparison. You can compare various benefits, coverage sums, premium priceREAD MOREs,  and more with ease.  READ LESS

Time-efficient Exercise

All your online Health Insurance comparison tools and fundamentals are at your fingertips. You don’t need to step out of your house, commute to a branch, agent or insurance company office to get an ideREAD MOREa about the best Health Insurance plan for you.  READ LESS

24X7 Access

In case of offline comparison and analysis, you will have to stall your research and consideration for the availability of a person or entity to provide you with the right information. Factors such as READ MOREoffice timings, non-working weekends, etc. can hamper you greatly. Online comparison can be done anytime and anywhere because the Bajaj Markets platform is there for you 24/7. READ LESS

Zero Hassle

An online comparison of Health Insurance plans can come with various tools that can make this process super convenient. One of these tools is the Health Insurance premium calculator. This is a free tooREAD MOREl which you can use to compare Health Insurance plans.  READ LESS

Cash Convenient

Offline comparison of Health Insurance plans can be very money-consuming. You have to consider the costs incurred for commuting, executive/agent’s fees, etc. Comparing Health Insurance online can help yREAD MOREou save a lot of money since the tools and information are accessible to you for free.  READ LESS

Consumer Power

Comparing and analysing your medical policy options can bestow upon you the power of choice. All the information you need for this is accessible to you at your fingertips and furthermore, you can activREAD MOREely make a sound decision without the interference of an insurance broker or bank executive. Power is in your hands.  READ LESS

Difference Between Health Insurance and Mediclaim

To choose between Health Insurance and Mediclaim, assess coverage, diagnostic tests, and other costs. Health Insurance offers comprehensive family coverage, while Mediclaim focuses on hospitalisation expenses. Both policies are accessible online for a convenient application process.


Given below is a table that can help you understand what Mediclaims and Health Insurance plans truly stand for. 

Health Insurance


Comprehensive medical coverage given

Hospitalisation expenses covered

Extensive coverage that can add up to ₹2 Crores

Limited hospitalisation coverage of up to ₹5 Lakhs

Several add-ons

No add-ons

Customisable as per insured’s needs

Limited flexibility

Common Health Insurance Myths

Many people harbour a number of misconceptions when it comes to Health Insurance. It is important to clear the fog and get a concrete idea about Health Insurance. Hence, here are a few myths about Health Insurance and why they hold no substance.

  • I am young and healthy. I do not need Health Insurance

No better time to get Health Insurance than when you’re young. Your vulnerability towards critical illnesses and health issues is very low which means that the premium amount you will be charged will be very nominal. Moreover, the longer you don’t claim coverage from your Health Insurance, the larger your no-claim bonus discount can be, which could go up to 50%. Additionally, serving your waiting period as a young, healthy individual brings absolutely no panic or urgency. 

  • Health Insurance covers only hospitalisation

Yes, Health Insurance does cover hospitalisation expenses. However, that is not where the benefits end. You can claim coverage for day-care, medication, surgery, OPD expenses, check-ups, consultations, and so much more. 

  • I smoke. I am not allowed to buy Health Insurance

It is understandable for you to be concerned in this respect since smoking can bring pre-existing ailments which could scrap your application altogether. However, the most that could happen is the insurer applying a higher premium amount to your Health Insurance plan due to your vulnerability towards illnesses and health issues. 

  • I don’t think buying Medical Insurance online is safe

Purchasing your Health Insurance plan online can be highly beneficial and convenient for you. Not only can you compare various plans, you can also deeply research all the options under the vast umbrella of Health Insurance. Additionally, if you apply for health insurance online, you can enjoy a seamless and convenient application process which can be carried out in the comfort of your home. 


In fact, you can buy your Health Insurance plan on Bajaj Markets!

Factors Affecting Health Insurance Premiums

Your Age

It is important to note that your Health Insurance premium will increase with age. This means that the later you decide to get Health Insurance, the larger the premium amount will be. The logic is simpREAD MOREle; as you grow older, you will be more likely to claim coverage due to increased vulnerability to health problems. Hence, purchasing Health Insurance as early as possible would be best for you. READ LESS

Pre-existing Health Issues

Pre-existing ailments or diseases are a strong factor that can alter your Health Insurance premium price. Insurers are likely to apply a larger premium amount to your Health Insurance plan if you suffeREAD MOREr from any pre-existing health issues. READ LESS

Type of Plan

The type of plan you choose matters a lot. Family Floater Health Insurance, Group Health Insurance and Senior Citizen Medical Insurance plans can be on the higher end when it comes to premium prices. OREAD MOREn the other hand, Individual Health Insurance plans have lower premium prices since they cover only you. READ LESS

Customised Add-on Covers

Customising your Health Insurance plan will add-ons can alter the original premium price. This is because each add-on comes at a price of its own. Hence, the collective price of the add-ons and the basREAD MOREic premium price of your Health Insurance can affect your premium. READ LESS

Duration of Policy

The premiums for short-term policies are generally on the higher end. In contrast, the premiums for long-term health insurance plans (more than 3 years) are generally lower than premiums for shorter plREAD MOREans. READ LESS

Lifestyle Habits

Your daily lifestyle habits affect your Health Insurance premiums greatly. If you smoke or consume alcohol on a daily basis, insurers are likely to add a higher premium price to your Health Insurance pREAD MORElan. This again is due to your likeliness of claiming coverage due to your vulnerability to potential health issues. READ LESS

How to Calculate Health Insurance Premiums Online?

Calculating the insurance premiums you will have to pay for any plan is really easy with the help of a health insurance premium calculator. All you need to do is enter relevant information like your age, gender, location, coverage amount, etc. This calculator will provide you with an accurate estimate of the premium price for health insurance.


Top Health Insurance Riders

Insurance riders are more commonly known insurance add-ons. These are extra benefits and coverage you add to your primary Health Insurance plan as customisations. Subsequently, these add-ons help add-up your insurance premium and also determine the final extent of the coverage you can claim once you have finalised your Health Insurance plan. 

1. Personal Accident Rider

This rider is a compensation-based, double-indemnity cover. If an accidental injury results in the disability or death of the insurer, the insurer shall offer compensation in the form of a specific sum insured under this benefit. 


In the case of permanent disability, the entire sum insured is disbursed which isn’t the case for partial disability. Here, only part of the sum insured is paid. In the event of the insured’s death, immediate family members or a primary nominee will receive compensation under an additional benefit. 

2. Critical Illness Rider

Through this rider, you are entitled to a lump sum if you have been diagnosed with a critical illness for the first time during the policy period. The lump sum is independent of the actual expenses incurred by you. Under this, 10 to 40 critical illnesses are covered. 


The general waiting period for such riders could be up to 90 days and the survival period could be up to 30 days. However, this can vary from insurer to insurer. 

3. Maternity Cover Rider

This rider covers various maternity-related expenses such as pre-natal expenses, post-natal expenses, childbirth expenses, etc. Certain insurance providers also offer coverage for the newborn child until the policy tenure ends. 


However, it is important to note that the waiting period for this rider could range from 2 years to 4 years depending on the insurer. Hence, getting full clarity on this add-on from the insurance company or through policy documents before including this rider to your insurance would be a wise call.  

4. Room Rent Waiver Rider

The Room Rent Rider offers coverage for the expenses you incur in the event of hospitalisation. This rider can cover your room rent expenses either through cashless means or through reimbursement. The room rent waiver can be provided for absolutely any room you choose without any capping on the maximum room rent amount. 


This offers you complete leverage to choose the best room for a comfortable and convenient recovery process. 

5. Hospital Cash Rider

The Hospital Cash Rider offers a daily cash benefit in the event of hospitalisation. You will receive the sum insured under this benefit in a trickled form on a daily basis. The calculation is simple. For example, if the sum insured is ₹60,000 which will be disbursed to you over a period of 1 month, it would mean that you are entitled to receive ₹2,000 per day. 


You can use this daily cash to pay hospital bills, medication bills and fulfil other medical needs during hospitalisation. If you have been hospitalised for a minimum duration of 24 hours, you can claim the daily cash benefit.  

Health Insurance Jargon Decoded

Here are a few health insurance terminologies that most people are not entirely familiar with. You can use this glossary to understand the very crux of health insurance terms that are commonly used. 

  • No-claim Bonus

You can get a no-claim bonus as a remunerative benefit. This could be given to you by your insurer for a claim-free year.

  • Dependents

The family members that are financially dependent on you are referred to as dependents. This could include your spouse, children, parents, etc.

  • Grace Period

This is the duration through which you are given a second chance to pay the renewal premium and continue to keep your Health Insurance policy active. 

  • Premium

The premium is the amount you pay to purchase a Health Insurance policy. This transaction can give you access to the benefits and coverage promised through a Medical Insurance plan. 

  • Pre-existing Diseases

If you have an ailment that manifested 2 years to 4 years prior to the purchase date of your Health Insurance plan, it is considered a pre-existing disease. This ailment could remain dormant yet asymptomatic for a long while, and hence, it may show signs after the policy period begins. 

  • Portability

Porting your policy is the act of switching insurers. This could be due to dissatisfaction with the insurer or other reasons. Either way, you get to maintain the same insurance policy while simultaneously changing your insurer. 

  • Waiting Period

The waiting period is a fixed duration that begins post-purchase date during which the insurer is not liable to provide you with coverage. Any claims made during this period will not be approved. Waiting periods can vary depending on various factors such as pre-existing health conditions and terms of the policy. 

  • Exclusions

Exclusions mainly refers to that which is not covered under your Health Insurance policy. Some common exclusions include injuries inflicted during adventure sports, war-like conditions, self-harm, etc. Exclusions vary from insurer to insurer and hence, reading through the policy document carefully is a prerequisite. 

  • Insurer

The insurer is the company that provides you with the Health Insurance plan you purchase. This is the entity that pays you your sum insured, offers you network hospital access and provides you with other cashless benefits.

  • Network Hospital

Insurance companies form affiliations with various hospitals in order to help their insured acquire special cashless services or discounts on medical expenses. The costs incurred at network hospitals are directly settled between the hospital and the insurer, and you may not have to pay a single penny for those medical bills.

  • Sum Insured

The sum insured the basic amount that the insurer promises you as coverage through your Health Insurance plan. The sum insured could be anywhere between ₹2 Lakhs up to ₹5 Crores. However, if you do cross the threshold of  the maximum sum insured, the additional expenses will have to be paid by you. 

  • Free Look Period

This is a period of time, generally 30 days, offered to you to gauge your brand new Health Insurance plan and everything that it offers. If you are not satisfied with your plan, you have the complete right to cancel the policy with zero cancellation charges. 

Why Choose Bajaj Markets for Your Health Insurance Policy

Trusted Partner

As a trusted partner nationwide, Bajaj Markets proudly serves over 100 million customers, providing holistic insurance, investment, loan, and payments support. Choose us as your Health InsuranceREAD MORE partner today! READ LESS

Hassle-free Claim Settlement

Experience seamless claim settlements with Bajaj Markets. Our Health Insurance plans, offered through strong alliances with network hospitals, ensure quick and hassle-free claim settlements. Protect READ MOREyourself from unforeseen expenses during health emergencies and rising healthcare costs. READ LESS

Customised Health Insurance Plans

Discover tailored Health Insurance plans on Bajaj Markets. With a plethora of top-up plans and add-ons, customise your coverage to address health-related bills and inflation in healthcare costs, effeREAD MOREctively catering to your family's specific needs. READ LESS

Extensive Coverage

Benefit from extensive coverage with Bajaj Markets. Our Health Insurance plans, with sums insured up to ₹2 Crores, provide security in times of illness or health emergencies. Opt for cashless treatmeREAD MOREnts at network hospitals affiliated with our Health Insurance partners and secure your well-being. Choose a comprehensive health insurance policy through Bajaj Markets. READ LESS

Health Insurance Claim Process

Claims for Health Insurance work in two ways: reimbursement claims and cashless claims. The process of claiming each benefit is given below. 

Reimbursement Claims

  • Step 1: Submit original medical documents, bills, and a complete insurance claim form to the insurer

  • Step 2: You may be asked for additional information after evaluation of the previous documents

  • Step 3: Once all your documents have been submitted to the insurer, the claim decision will be made

  • Step 4: Once approved, the claim amount will be reimbursed to you

Cashless Claims

  • Step 1: Submit policy details and pre-authorisation form at the partner hospital or medical facility

  • Step 2: The facility will be notified once the insurer verifies the form and send details of the policy

  • Step 3: The insurer will receive the bill and subsequent medical documents from the hospital upon discharge. 

  • Step 4: The bills are then directly settled by the insurer and the hospital.

Documents Required for Reimbursement and Cashless Claims

You may be required to submit the following documents during your claim process. However, please note that additional documents could be asked from you by the insurer as and when required. 

  • Complete claim form

  • Medical certificate

  • Hospital discharge summary or discharge card (original)

  • Prescription and invoices from hospital or pharmacy

  • Investigation report from a certified doctor

  • First Information Report (FIR) or Medico Legal Certificate (MLC) in case of an accident

Health Insurance Partners Available at Bajaj Markets


How can I increase my Health Insurance coverage?

You can ensure maximum coverage for yourself through your Health Insurance by customising the plan with add-ons/top-ups which can increase the coverage exponentially. 

Can I buy Health Insurance plans online?

Yes, you can buy Health Insurance plans online. In fact, you can purchase the perfect plan for you right here at www.bajajfinservmarkets.in.

Are there any government health insurance plans that I could opt for?

The government has several state and national government healthcare schemes that you can apply for, such as:

  • Ayushman Bharat Scheme

  • Pradhan Mantri Suraksha Bima Yojana

  • Aam Aadmi Bima Yojana

  • Employee State Insurance Scheme

  • Rashtriya Swasthya Bima Yojana

What is covered under my Medical Insurance plan?

Your Medical Insurance can cover various things such as expenses for hospitalisation, organ donor costs, surgical expenses, room rent charges, and so on. 

What happens to the Health Insurance policy once I have filed a claim?

When the claim is filed and settled, the coverage amount will be reduced by the amount that has been paid to you. Your medical insurance plan will remain active with the remaining coverage amount.

What are the benefits I could enjoy by getting Health Insurance?

Many Health Insurance benefits can enhance your finances and security. These include comprehensive coverage, access to network hospitals, cashless treatments, reimbursements, daily cash benefits, tax benefits, etc.

Do Health Insurance policies cover diagnostic expenses?

Yes, your health insurance plan can cover diagnostic expenses. However, you can always clarify this by checking the policy documents of your policy. 

Should I get Health Insurance at an early age?

It is a very good decision to get Health Insurance at an early age. You can ride out the waiting period with ease and the premium price you will be expected to pay will be far lesser than that of an older individual. 

Can I have multiple health insurance policies?

No, you cannot have multiple health insurance policies.

Can I cancel my Health Insurance at any time?

Yes, you may do so. However, cancelling your Health Insurance after the 15-day look period could bring upon you cancellation charges. 

Can I claim Health Insurance at any hospital?

Yes, you can claim Health Insurance at any hospital. However, cashless treatments are accessible at network hospitals only. 

How many times can I claim Health Insurance in a year?

The number of claims that can be raised in the same year depends on your health insurance plan and the customisations you have chosen. Most insurance plans allow you to make one or two claim requests during a policy tenure. However, there is no defined limit so it would be ideal to approach your insurance provider and understand this clause in detail.

Can I port my Medical Insurance policy after expiration?

Porting your plan after expiration is not possible. You can do so only before your Health Insurance plan expires.

No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to Rs. 75,000 | Buy Health Insurance starting @ ₹160 pm Check Plans
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