Shield yourself against unexpected medical costs with comprehensive health insurance!
No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to Rs.75,000 | Buy Health Insurance starting @ ₹160 pm
Deal with medical emergencies stress-free by making comprehensive health insurance a part of your financial plan. On Bajaj Markets, you can compare a range of policies and get coverage of up to ₹2 Crores at affordable premiums starting at ₹2,487.
Regular health check-ups for free and cashless hospitalisation facilities are key benefits of such policies. A comprehensive plan also covers preventive care and treatment from specialists, allowing you to access superior medical care with ease.
Apart from the inclusions and exclusions, check the sum insured and the premium to select a suitable plan for yourself.
Here are comprehensive health insurance policies you can compare on Bajaj Markets:
Comprehensive Health Insurance Plans |
Insurance Coverage |
Premiums Starting at*(without GST) |
Bajaj Allianz Health Guard Gold |
₹1 Lakh - ₹1 Crore |
₹333 p.m. |
Bajaj Allianz Extra Care |
₹3 Lakhs - ₹50 Lakhs |
₹160 p.m. |
Aditya Birla Health Insurance |
₹5 Lakhs - ₹2 Crores |
₹433 p.m. |
Care Health Insurance Plan |
₹50,000 - ₹10 Lakhs |
₹672 p.m. |
Disclaimer: The above-mentioned premiums are indicative and subject to change at the discretion of the insurance provider.
A health insurance plan acts as a financial safety net when medical emergencies arise. Here is how you can rely on such policies:
Wider Coverage
All kinds of healthcare needs are covered by such plans. This may include treatment for critical ailments as well as other inpatient and outpatient services. These policies also offer a flexible sum insured to ensure ample protection.
Covers the Entire Family
Comprehensive plans can safeguard the health of all your loved ones and your finances under one umbrella. You can get your parents, spouse, and dependent children one comprehensive insurance policy for families.
Outpatient Treatment
General health insurance policies may not cover expenses for non-emergency medical needs, such as consultations, diagnostic tests, and more. However, comprehensive plans cover these charges along with hospitalisation expenses.
Cover for Pre-existing Diseases
While they have an initial waiting period, comprehensive health policies cover medical costs arising from pre-existing diseases. You can rest assured that you can afford quality healthcare as per the terms of your policy.
Riders/Add-on Covers
Widen your safety net by opting for riders and add-ons. These include accidental death coverage, critical illness coverage, maternity benefits, and more. Choosing these will provide you with extra financial coverage for specific medical expenses, events, or facilities.
Cashless Treatment
Comprehensive plans offer a cashless treatment facility, so you can get coverage at hospitals without paying out of pocket. This can help you get instant and easy access to timely medical care.
Cumulative Bonus
When you don’t file a claim in a year, the No Claim Bonus allows you to get additional coverage without any hike in premiums.
FAQs and Support
What is the meaning of comprehensive health insurance?
It is a health plan that offers all-around coverage for your and your family’s medical expenses. Be it alternative treatment, pre-existing ailments, or a critical illness, it provides financial assistance for it all. The specific inclusions depend on the policy you choose.
How is a comprehensive health insurance plan different from a regular health plan?
A standard health plan provides only basic coverage for illnesses, diagnostic tests, and hospitalisation charges. All-inclusive health insurance includes routine health check-ups as well as protection against critical illness, even for your family.
Why is having a comprehensive health insurance plan important?
The most important component of these plans is that they offer wider coverage, allowing you to prioritise your health without financial constraints.
What is the waiting period for comprehensive health coverage?
As per regulations by the Insurance Regulatory and Development Authority of India (IRDAI), the initial waiting period for these plans is 30 days from the start date. For pre-existing diseases, it can go up to 4 years. For critical illness it is 90 days, and for other ailments it may be up to 2 years.
Do comprehensive medical policies offer tax benefits?
Yes. You can get tax deductions of up to ₹1 Lakh under Section 80D of the Income Tax Act of 1961. The final deduction amount depends on the age of the people insured under the plan and the premium.
Can I opt for a comprehensive insurance plan for my family members?
Yes, you can get a comprehensive healthcare plan for your family members. These plans allow you to add dependent children, parents, and your spouse as insured members.
