Quick Overview
Bajaj General Insurance is one of India’s largest private general insurers, with an average of only 3 complaints per 10,000 claims in FY 2022-25. If you have been searching for the Bajaj health insurance premium chart PDF, you are on the right page.
In this article, we walk you through the process of downloading the official premium chart PDF, the breakdown for popular plans, and the key factors that affect your cost.
Bajaj Health Insurance Plans Details
In the above table, SI refers to the sum insured.
Bajaj Health Insurance Premium Chart
The official premium chart PDFs for each plan are available on the Bajaj General Insurance website under the Health Insurance Documents section.
For your convenience, we have calculated the indicative base premiums for a ₹15L SI (Zone A) for some common profiles.
Individual Premium Chart
Family Floater Premium Chart
Note: A refers to adults, and C denotes children.
You can also download the Bajaj Health Insurance Premium Chart PDFs for the respective plans below:
Factors Affecting Bajaj Health Insurance Premium
Age
As you can see in the premium chart above, a 55-year-old pays nearly 3 times as much as a 25-year-old for the same plan and sum insured. Buying early usually makes it easier to get comprehensive coverage at a lower premium.
Location
Bajaj uses a two-zone pricing model based on your location. Zone A covers major cities including Mumbai, Delhi, Bangalore, Hyderabad, Kolkata, Ahmedabad, Surat, Secunderabad, and Vadodara. Zone B covers the rest of India. Zone A policyholders pay higher premiums. In some plans, Zone B policyholders pay lower premiums but must bear a 20% co-payment if they get treated in a Zone A city.
Medical History
Pre-existing conditions like diabetes, hypertension, or thyroid disorders can lead to premium loading or specific exclusions during underwriting. Always disclose your medical history accurately because hiding it can lead to claim rejections later and defeat the entire purpose of buying insurance.
Coverage Amount and Add-Ons Chosen
A higher sum insured means a higher premium, though the cost per additional lakh tends to decrease as the cover amount increases. Add-ons such as critical illness cover or a personal accident rider increase the base premium. So, only opt for add-ons you will realistically use.
Policy Tenure and Family Size
Choosing a 2-year or 3-year tenure often comes with a discount over annual renewal and protects you from increases due to medical inflation. For family floaters, adding more members increases the premium, but the per-person cost is still lower than buying separate individual plans for each family member.
Bajaj Health Insurance Claim Settlement Ratio
The claim settlement ratio tells you what percentage of the number of claims an insurer actually settled in a given year. It is one of the most useful metrics to check before choosing an insurer, because it reflects reliability when it matters most.
Bajaj General Insurance recorded an average CSR of 96.77% in FY 2022–25. This puts it well above the industry average (91.22%) and among the more reliable health insurers in India.
That said, CSR alone should not be the only thing you look at. A high ratio does not tell you how quickly claims were paid, how many were partially settled, or how smooth the process actually was. It also helps to check the number of complaints per 10,000 claims, the Incurred Claims Ratio, and online feedback. Together, these give a much clearer picture of what dealing with the insurer actually looks like.
Cashless Hospital Network
Bajaj General Insurance has 12,000+ cashless network hospitals across India, one of the largest networks in the market, so you are more likely to find a covered hospital near you in most cities and towns.
Let’s understand some important inclusions and exclusions common across Bajaj General Health Insurance policies. Always check your policy wording for the exact conditions.
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Conclusion
The Bajaj health insurance premium chart PDF is a useful starting point for understanding how much different plans cost and what they cover. Use it to compare premiums, benefits, and claim performance before shortlisting a policy. Check the latest chart and compare it with similar plans to choose a plan that offers real value.
If you are comparing plans across insurers, check out our guide to the best health insurance plans in India.
Disclaimer
Frequently Asked Questions
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