Bajaj Health Insurance Plans for Family

Quick Overview

Bajaj health insurance plans for family offer comprehensive medical cover for self, spouse, children, and dependent parents under one policy. They include cashless treatment across a wide hospital network, coverage for hospitalization, and day care procedures.

With a 3-year average of 3.07 complaints per 10,000 claims, the insurer receives far fewer complaints than most peers. This suggests good customer experience in claims handling and service quality. The insurer offers plans like Health Guard and My Health Care that help families customize protection based on their healthcare needs and budget.

Bajaj General Insurance Limited (formerly known as Bajaj Allianz) is one of India's leading private general insurance companies, operating since 2001. This guide explains Bajaj General’s health insurance plans for family, their key features, and benefits, so you can decide if they match your healthcare needs.

Did You Know?

In October 2025, Bajaj Allianz officially rebranded to Bajaj General Insurance (and Bajaj Life). Bajaj acquired 23% stake for ₹21,390 crore, with the remaining stake handled separately, while Allianz valued the overall deal for its 26% stakes at about EUR 2.6 billion. This transition marks the end of a successful 24-year partnership, making the entity fully Indian-owned under the Bajaj Finserv umbrella.

For policyholders in 2026, all existing contracts remain valid with no change to coverage or claim settlement procedures.

Bajaj General Performance Metrics

Metrics/Values	FY 22-23	FY 23-24	FY 24-25	Avg of FY 22-25
Claim Settlement Ratio (CSR)	96.85%	96.16%	97.32%	96.78%
Incurred Claims Ratio (ICR)	74.27%	84.96%	87.31%	82.18%
Annual Business Volumes/GWP (in Crore) (Total Health)	₹3,373	₹6,943	₹8,043	₹6,119
Volume of Complaints per 10,000 claims (Insurer Overall)	2.91	2.87	3.42	3.07

Insights for Bajaj General:

CSR is consistently high at around 96–97% across all three years (well above Ditto's recommended range of more than 90%), indicating strong reliability in settling claims across all three years.
ICR has increased steadily from 74.27% (FY 2023) to 87.31% (FY 2025), showing that a higher share of premiums is being paid out as claims over time. The ICR figures have slightly exceeded Ditto’s recommended range of 50% to 80% over the last 2 years, leaving less room for profit and expenses.
Average GWP of ₹6,119 crore over three years highlights sustained scale-up rather than one-time growth.

Best Bajaj Health Insurance Plans for Family

Plan	Features	Add-ons
Health Guard Platinum(Sum insured (SI) options range from ₹5 lakh to ₹1 crore)	The plan provides enhanced benefits like a super cumulative bonus (up to 150% of SI) and recharge benefits (up to 20% of the SI). Maternity cover ranges from 25000 to 35000, depending on the SI chosen and subject to a waiting period.	Air Ambulance
My Health Care Plan(SI options range from ₹3 lakh to ₹5 crore)	The plan offers features like unlimited sum insured reinstatement, inbuilt maternity and baby care cover, and home nursing benefits. Renewal Premium Waiver Benefit is a standout feature.	Loss of income cover (provides payments if hospitalized for a minimum of 72 consecutive hours due to illness or accident as per t&c), international cover, and major illness and accident multiplier
Health Care Supreme Ultimo(SI options range from ₹35 lakh to ₹50 lakh)	The policy's unique features include sum insured reinstatement benefit, modern treatment coverage, and free annual preventive health check-ups. You also get physiotherapy on an OPD basis.	Ancillary expenses benefit (daily allowance for hospital stays offering ₹1000-₹2500/day for regular hospitalization and ₹2000-₹5000/day for ICU), personal accident and critical illness cover.
Extra Care Plus Super Top-up	The plan offers a wide range of SI options with aggregate deductibles. The pre-existing diseases (PED) waiting period is only 12 months. Maternity expenses are covered over and above the deductible after a 12-month waiting period.	Air Ambulance

Premium Comparison for Bajaj General Health Insurance Plans

Sum Insured/ Profile	Couple (Age 32 and 30)	Couple and child (Age - 32, 30, and 5)	Couple and 2 children (Age - 38, 35, 10 and 5)	Senior citizen couple (Age - 63 and 61)
₹15 lakh	₹16,338	₹18,672	₹24,740	₹63,593
₹25 lakh	₹19,147	₹21,880	₹28,990	₹74,554

Note: Listed annual premiums are indicative in nature for people residing in Delhi. The premiums for Bajaj General My Health Care include add-ons like consumables, room rent upgrade to any room and super cumulative bonus. The premiums can vary according to the medical underwriting and the city you reside in.

Eligibility Criteria for Bajaj General Health Insurance for Family

Aspect	Criteria
Entry Age	Minimum is 18, and maximum is 65 years (Health Guard has no limit on max entry age)
Entry Age for Kids	Minimum is 3 months, and maximum is 30 years ( 25 years for Family Health Care)
Policy Tenure	1/2/3 years
Coverage Options	Individual and family floater (2 adults and 3 kids)
Relationships Allowed in Family Floater Plans	Self, Spouse, dependent children, dependent parents (for Health Guard, parents' separate floater policy can be taken, where the child is the proposer)

Note: The details mentioned may vary from plan to plan. You must check policy wordings and confirm with the insurer directly as to what's actually allowed.

Cashless Treatment Disruption (2025)

In August 2025, the Association of Healthcare Providers India (representing over 15,000 hospitals, including major chains like Max Healthcare and Medanta) advised members to suspend cashless treatment for Bajaj General Insurance policyholders.

Hospitals said the insurer refused to update reimbursement rates despite 7–8% medical inflation and was delaying claim approvals. After high-level talks, the advisory was withdrawn in September 2025 when the insurer agreed to address tariff and payment issues.

Inclusions and Exclusions of Bajaj Health Insurance Plans For Family

Inclusions	Exclusions
Day care procedures	Cosmetic surgery expenses
Maternity and newborn cover	Dental treatments
60 days pre-hospitalization and 90 days post-hospitalization costs.	Treatments for self-inflicted acts
Organ Donor, AYUSH, Modern Treatments up to SI	Cost of diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

Note: Such inclusions and exclusions in a health plan may vary from policy to policy. You can find the list in the policy wordings section of your health plan.

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Benefits of Bajaj General Health Insurance Plans for Family

Broad Coverage for All Family Members: Bajaj General family floater plans cover all dependent family members under one policy.
Cashless Hospital Network: With access to over 12,000 partner hospitals across India, you can opt for cashless treatment during emergencies or planned admissions.
Convalescence Benefit: In plans like Health Guard, a lump sum is paid if the insured is hospitalized for a continuous period exceeding 10 days.
Customisable Add-Ons and Riders: Add-ons like reduction in PED waiting period, room rent upgrade or OPD cover let you tailor the plan based on your family’s health needs and budget.

How To Choose the Right Bajaj Health Insurance Plan for Family?

Check the Coverage: Look for comprehensive plans covering inpatient care, day care, and pre/post-hospitalization expenses. Avoid sub-limits on room rent and disease-specific caps. Ensure coverage for consumables (non-medical items) and modern treatments like robotic surgeries.
Opt for Unlimited Restoration: Prioritize plans with Unlimited Restoration that refills your sum insured even for the same illness. This is vital for families where multiple members might fall ill in a single year.
Pick Shorter Waiting Periods: Standard waiting periods for pre-existing diseases are 3 years. Seek plans offering PED waiver riders to reduce this to 1 or 2 years.
Sum Insured Enhancement: Choose plans with a booster or Super NCB that can grow your cover by 50–100% annually, even if a claim is made, to future-proof against inflation.
Cashless Network & Entry Age: Verify that top local hospitals are in the insurer's cashless network and near your residence. Check for lifetime renewability and ensure adult children can stay on the floater until age 25.

Note: Family floaters are more affordable for healthy, younger families because shared risk lowers premiums. However, if one member has a chronic illness, they may have a higher chance of claiming. This can drain the total SI and reset the no-claim bonus (NCB) for everyone. In such cases, giving them a separate policy protects the family’s overall coverage and discounts.

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Ditto’s Take on Bajaj Health Insurance Plans for Family

Bajaj General Insurance shows strong performance with a high claim settlement ratio, large business volumes, and low complaint levels. It offers limited bonus and restoration benefits, and the premiums are relatively high for the features provided. However, compared to some leading competitors, its plans may lack certain comprehensive features.

Among them, Health Care Supreme is the most competitive, but it still falls short compared to plans like HDFC ERGO Optima Secure, Care Supreme, and Aditya Birla Activ One Max. Plans like HDFC ERGO Optima Secure offer 2× day-one cover, wider SI options, and consumables protection. Care Supreme and Aditya Birla Activ One Max provide better restoration, cumulative bonuses, and long-term perks, which Health Care Supreme lacks.

If you are looking for a health plan from insurers with established track records, we recommend comprehensive plans without any copayment for 2026, which align with your long-term goals. Explore more about how our experts evaluate health plans through Ditto’s cut.

Disclaimer: Bajaj General is a partner insurer but not part of our current recommendations at the moment because of the above-described reason for plans lacking comprehensiveness. All information in this article is based on publicly available sources and Bajaj General’s official website. You must speak to a licensed advisor before making any insurance decisions.

Frequently Asked Questions

Can I add family members to an existing Bajaj General health policy?

Yes. You can add a spouse after marriage or a newborn (usually after 90 days from birth). Premiums are adjusted, and waiting periods for the new member start from their join date. If you're considering adding your parents, we would recommend adding parents to separate plans because of different medical needs, claim probability and pricing advantages.

What are Bajaj Allianz health insurance plans for family?

Bajaj General (formerly Bajaj Allianz) offers family floaters that cover all members under a single policy with a shared cover limit. Anyone can use the pool as needed, but once it's exhausted, no balance remains for others unless the plan has a restore benefit or bonuses.

Bajaj Health insurance plans for family PDF: Where to find premiums?

Visit the official Bajaj General health insurance section online and download the policy brochure or premium tables PDF for the specific plan you want. These brochures include age-wise and sum-insured premiums in tabular form.

What is the ideal sum insured for a family health policy?

The ideal sum insured for a middle-class family depends on the family’s size and age. For a young nuclear family, ₹10–25 lakh is usually a good starting point. If senior parents are included, a cover of ₹20-50 lakh or more is advisable due to higher medical costs. Choosing a base policy along with a super top-up plan can also be a smart and cost-effective way to get higher coverage.

Is your corporate health insurance enough for your family coverage?

No, relying solely on corporate cover is risky. These plans are tied to your employment, leaving your family vulnerable during job switches or layoffs. With low sum insureds and rigid sub-limits, they often fail to cover major medical inflation. A personal family floater plan ensures lifelong, customizable protection you truly control.

Last updated on: 24 Feb, 2026