My Health Care Plan by Bajaj General Insurance Limited offers a personalised health insurance solution made to meet your specific needs. This modular plan allows you to customise coverage, providing flexibility for individual or family floater options. With sum insured amounts ranging from INR 3 lakhs to INR 5 crores, it caters to diverse budgets and healthcare requirements. Key benefits include in-patient hospitalisation, modern treatment methods, maternity and baby care, and annual preventive health check-ups. The plan also covers alternative treatments like ayurvedic care and road ambulance expenses. Designed for lifelong renewal, My Health Care Plan ensures uninterrupted coverage and assurance, making it a perfect personalised health plan for every stage of life.

Introducing a unique health insurance plan that cares for you the way you want. Now, transforming care your way. The ‘My Healthcare Plan’ is a modular plan that offers the flexibility to curate an individual bouquet of features for yourself and your family.

It is an umbrella product for customizable packages. You can now easily buy a mediclaim policy plan that gives you the option to pick and choose the insurance coverage. Design your health care plan based on which the health insurance premium will be determined.

*T&C apply

How to Choose My Healthcare Plan? 

Before you zero down the individual health insurance or family health insurance, let us consider the below pointers to choose an ideal insurance plan:

Flexibility to Design Plan 

With this mediclaim policy you can easily customize the plan as per your prerequisites.

Select an Adequate Sum Insured 

The My Healthcare Plan offers multiple sum insured options ranging from Rs. 3 lakhs to Rs. 5 crores. Choose an adequate sum insured that suits your budget.

2X OPD Coverage 

Receive outpatient benefits equal to 2X premium amount paid for enhanced medical support.

Bouquet of Coverages 

Ensure that the mediclaim insurance for family offers an array of coverage for expenses incurred towards hospitalization, modern treatment methods, etc.

Annual Preventive Health Check-up 

Look at if you can avail of free preventive health check-ups once in every policy year in any of the network hospitals. At Bajaj General Insurance, we are growing strong with 18,400 + network hospitals* across the nation.

With My Healthcare Plan, now you need not buy separate maternity insurance cover or baby cover. This plan offers an in-built cover maternity cover, nursing cover and baby cover.

Use the health insurance premium calculator online, which is simple and quickly calculates the premium amount based on the inputs entered. Whether you are buying individual health insurance or mediclaim insurance for family, using this online tool has benefits:

- Helps to make an informed decision

- Easy to use, is quicker and hassle-free

- Enable you to budget accordingly

Before you use a health insurance calculator it’s important to understand that various factors determine the premium. This includes the age of the insured, medical history, lifestyle habits, type of cover, etc.

To use the health insurance calculator, to know My Healthcare Plan premium the below details will be required:

- Select the type of plan like an individual or family health insurance

- The number of people that you want to cover

- Select the age of the people you wish to cover

- Select the sum insured ranging from Rs. 3 lakh to Rs. 5 crore

- Enter personal information such as name, contact number and email address

And there you go! You will have the estimated mediclaim policy premium with varying policy period options.

Cashless Claims Procedure 

The cashless facility can only be availed at any of the network hospitals. To avail of the cashless treatment benefits, the below procedure needs to be followed:

For a planned treatment or hospitalization, you must intimate the insurance company almost 48 hours prior. You should request pre-authorization by way of the written form.

If satisfied with the request, the insurer will send an authorization letter to the network hospital. Keep your authorization letter, health ID card and other relevant documents handy. It needs to be produced at the network hospital at the time of admission.

If the above process is followed, you need not pay at the network hospital. Keep the original bills and treatment evidence carefully. Please note that all the expenses may not be covered subject to the terms and conditions mentioned in the policy schedule.

In case a treatment/procedure is taken on an emergency basis, the insurance company should be informed about the same in writing within 24 hours of hospitalization.

Reimbursement Claims Procedure 

If the medical treatment has been taken outside the listed network hospital, you can opt for a reimbursement claim process.

In case of an emergency, the insurance company needs to be informed in writing within 48 hours of hospitalization. If it’s a planned treatment, the insurer must be informed 48 hours prior.

You should promptly within 30 days of discharge from the hospital give the documentation of the treatment availed.

In case the insured passes away, anyone claiming on their behalf should immediately inform in writing to the insurance company. Likewise, a post-mortem report also needs to be shared within 30 days.

If the original documents are submitted with the co-insurer, then photocopies attested by the co-insurer should be duly submitted.

*T&C apply

Save Tax with Health Insurance Plan 

Having suitable health insurance coverage also helps to save on taxes as well. Now, you can claim tax deductions against the family health insurancepremium. Here, under Section 80D of the Income Tax Act of 1961, if you are less than 60 years of age, you can claim up to Rs. 25,000 tax deduction by choosing a family floater health insurance.

Besides, the mediclaim insurance premium paid for parents is subject to tax deductions additionally. As per Section 80D of the Income Tax Act of 1961, you can obtain a deduction for up to Rs. 50,000, if the parents are 60 years of age and above.

Note:The tax benefits are subject to change as per existing laws

Find Network Hospitals 

You can now easily locate your nearest network hospital with us and avail best of class medical treatment. We have a strong network of 18,400 + network hospitals* in PAN India. If you are an existing Bajaj General Health Insurance, click here to locate the nearby network hospital.