Imagine being able to design a health insurance plan that perfectly aligns with your lifestyle, meets your family’s unique medical needs, and adapts seamlessly to your budget. That’s exactly what the Bajaj Allianz General Insurance Company’s My Health Care Plan offers. Whether you’re planning for a growing family, protecting your ageing parents, or just seeking a stress-free future, this flexible policy is built to deliver the security you need, the way you need it.
Let’s explore what makes this health plan stand out as one of the most personalised mediclaim policies available in India today.
Flexibility at the Core
What sets this plan apart is its modular nature. You’re not stuck with pre-decided benefits. You can mix and match features, coverage options, and policy terms depending on your family’s needs. From individual plans to floater policies covering your spouse, children, parents, and even extended dependents like siblings and in-laws—the flexibility is unmatched.
The plan comes with sum insured options ranging from ₹3 lakh to ₹5 crore. You can also choose your policy term for 1, 2, or 3 years, and decide whether you want to pay premiums annually, semi-annually, quarterly, or monthly.
What’s Covered? Almost Everything!
When you buy health insurance, you want to be sure that it covers more than just hospital bills. This plan does that and more:
In-patient hospitalisation: Covers expenses for room rent, ICU, surgery, medicines, doctor’s fees, and more.
Pre and post-hospitalisation: Up to 60 and 90 days, respectively, with customisation options available.
Modern treatments and daycare: Advanced procedures and day surgeries are covered without hassle.
Organ donor expenses: Covers the donor’s medical bills if the insured is the recipient.
AYUSH treatments: Alternative therapies like Ayurveda, Unani, Siddha, and Homoeopathy are covered under hospitalisation benefits.
Extra Care for Maternity and Newborns
One of the highlights of this plan is its thoughtful inclusion of maternity and newborn care benefits. If you opt for a sum insured of ₹5 lakh or more, maternity expenses are covered—whether it’s a natural birth, C-section, or even surrogacy. You also get coverage for complications from assisted reproductive technology (ART), and even the oocyte donor’s hospitalisation in case of complications.
Newborn care is covered, too, with up to ₹15 lakh for in-patient treatment, depending on the base sum insured. Waiting periods apply, but they are reduced if you opt for a long-term policy and pay the premium upfront.
Smart OPD Coverage
Your health needs don’t start and end at the hospital door. That’s why this plan includes extensive OPD (Outpatient Department) coverage. You can avail:
- Teleconsultations with specialists via video or chat
- In-clinic consultations with general physicians and specialists
- Doctor-prescribed pathology and radiology investigations
- Annual preventive health check-ups
All these benefits can be availed on a cashless basis, adding to your convenience.
Additional Support Benefits
The plan isn’t just about treatment—it supports your recovery and life beyond the hospital:
- Home nursing: Weekly payouts for up to 10 weeks if you require nursing care after discharge.
- Domiciliary hospitalisation: Covers home treatment when hospital admission isn’t possible.
- External medical aids: Braces, walkers, wheelchairs and more are covered when prescribed.
- Airlift cover: For critical cases, this benefit takes care of domestic air ambulance expenses.
Innovative Add-Ons for Greater Protection
Want to go a step further when you buy health insurance? You can choose from optional covers like:
- Loss of Income Cover: Weekly payout for hospital stays over 72 hours, up to 8 weeks.
- Major Illness and Accident Multiplier: Doubles your sum insured for 10 listed critical illnesses and major injuries.
- International Emergency Cover: Covers emergency hospitalisation expenses worldwide, subject to terms.
Sum-Insured Reinstatement
One of the standout features of the Bajaj Allianz General Insurance Company’s My Health Care Plan is its unlimited reinstatement of the sum insured for sums of ₹5 lakh and above. If you use up your coverage due to a serious illness, your sum insured is restored for future claims in the same year, without any extra premium.
Waiting Periods and Exclusions You Should Know
Like most policies, there are a few exclusions and waiting periods. For instance, maternity benefits and newborn care come with a 36-month waiting period (reduced if you pay upfront for long-term). Pre-existing diseases have a 36-month wait, and certain specified diseases have a 24-month wait.
General exclusions include cosmetic surgery, infertility treatment, substance abuse, and treatments related to law breaches or hazardous sports.
Final Thoughts
Think of health insurance not just as a safety net but as a promise to yourself and your family that their well-being comes first. And when that promise is custom-built to suit your life, it becomes even more meaningful.
A customised mediclaim policy like the Bajaj Allianz General Insurance Company My Health Care Plan isn’t just about covering expenses; it’s about securing comfort, confidence, and care. If you’ve been waiting for the right time to buy health insurance, this might just be your perfect match.