Bajaj Finserv Health Limited (eBH) 

Bajaj Finserv Health Limited is a wholly-owned subsidiary of Bajaj Finserv Ltd. and dedicated towards providing quality products and services in the healthcare ecosystem.

The objective of Bajaj Finserv Health Limited is to provide a health management platform, wherein customers will be enabled to maintain a record of their health profile and services availed from healthcare providers; the platform will be prepaid, preventive and personalised. This will lead to the reduction of healthcare expenses and improve customers' quality of life. 

  • Products

    Complete Health Solution: Bajaj Finserv Health Limited offers Complete Health Solution plan, a compilation of advanced healthcare features with facilities like seamless digital services -- HealthRx App to book appointments, online and offline doctor consultation, and more. The policy enables one to avail doctor consultation and lab benefits from day one, without the need for hospitalisation. It also provides comprehensive coverage against pre and post-hospitalisation, daycare treatment, and other medical requirements.

    Here’s a table to understand the policy in detail:
     

    Insurance Companies Health Insurance Plans Sum Insured (Rs.) IPD Hospitals List – OPD Hospital List
    EBH Complete Health Solutions (Platinum) 5 lakh and 10 lakh 6000 Prime network (450+ hospitals)
      Complete Health Solutions (Silver) 5 lakh and 10 lakh 6000 Prime network (450+ hospitals)

    For list of hospitals, claim help contact customer service number of BFHL - Tel: 020-48562555

  • What’s Covered:

    Here are various facilities available offered by Bajaj Finserv Health Limited:

  • 1. Out-patient Department (OPD) benefits

    a) Open network – You can choose to consult a doctor of their choice.

      b) Reimbursement mode – The sum insured is reimbursed within 48 hours into the bank account of the insured.

    c) The insured person can claim coverage on medical expenses ranging from Rs. 3,000 to Rs. 11,000.

  • 2. Lab Benefits

    a) Open network – The lab facilitates all kinds of tests. You can take any test of your choice under this plan.

    b) Reimbursement mode – The sum insured is reimbursed within 48 hours into the bank account of the insured.

    c) The insured person can claim coverage on medical expenses ranging from Rs. 4,000 to Rs. 17,000.

  • 3. Preventive Health Check-up

    A preventive health check-up helps you identify any plausible illness and reduces the risk by detecting the illness at an early stage. This also helps you seek timely medical intervention to lead a healthy life.

  • 4. In-patient department (IPD) benefits:

    You can avail following healthcare services under the offered plans:

    1. Medical and lab tests
    2. Room rent
    3. Operation charges
    4. Treatment costs
    5. Surgeon fees
    6. No sub-limit on any medical expenses
    7. Sum Insured up to Rs. 5 lakh/Rs. 10 lakh
    8. Pre-hospitalisation expenses of immediate 60 days
    9. Post-hospitalisation expenses of immediate 90 days
    10. Expenses of road ambulance in case of emergency will be covered up to Rs. 3,000
    11. All daycare procedures without 24 hours admission 
    12. Organ donor expenses
    13. Reinstatement of the sum insured
    14. Ayurvedic and homeopathic hospitalisation

Exclusions 

1. 30-day policy cooling period 
2. Waiting period of 3 years for pre-existing diseases & some diseases like joint replacement, laser treatment for correction of eyesight, congenital internal diseases, etc. 
3. Waiting period of 2 years for diseases like cataract, hernia, Sugar, BP, Piles, Kidney Stone, Sinusitis, etc. (For cataract – per eye Rs. 25,000) 
4. Cosmetic or aesthetic surgery 
5. Dental or optical treatment except in accidental cases 
6. Intentional self-injury or suicide 
7. Treatment for any mental illness or psychiatric illness 
8. Pregnancy, childbirth, or related treatment 
9. HIV/ AIDS & related diseases 
10. Drink and Drive 
 

** Please note that we are not an Insurance company. We are into Health & Wellness benefits membership and plans. However, we also offer a Group Health Insurance product exclusively to our existing customers. Some of the benefits mentioned above such as IPD are part of that Group Health insurance cover where Bajaj Finserv Health Limited is only a Group Master policyholder.