Health insurance goes beyond hospitalization—it covers OPD visits, medicines, ambulance charges, preventive checkups, and even alternative treatments, giving you all-around financial security.
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In summary
Managing chronic conditions such as Type 2 diabetes, hypertension, asthma and chronic kidney disease often involves regular consultations, diagnostic tests and ongoing medication. Health insurance can help reduce eligible medical expenses, but coverage depends on the policy's terms, pre-existing disease waiting periods and exclusions.
- Chronic conditions such as Type 2 diabetes, hypertension, asthma, chronic kidney disease, and cardiovascular illnesses require continuous medical supervision, lifestyle modifications, and recurring pharmacy expenses.
- Standard indemnity health insurance policies historically imposed three-year or four-year waiting periods on pre-existing diseases, but IRDAI regulatory updates have capped standard waiting periods to a maximum of 36 months, Source: Insurance Regulatory and Development Authority of India with many specialised chronic plans offering coverage within 30 days.
- Specialised chronic condition plans incorporate comprehensive outpatient department (OPD) benefits, reimbursing routine endocrinologist consultations, quarterly blood investigations, and maintenance drug prescriptions.
- Maintaining complete disclosure of baseline HbA1c levels, blood pressure readings, and treatment history during digital application on Bajaj Finance prevents claim rejections under non-disclosure clauses.
- Integrated health management programmes reward active wellness management by granting premium discounts, renewal vouchers, and cumulative bonuses when diagnostic biomarkers remain stable.
Exploring health insurance plans through Bajaj Finance can help individuals compare available options, review policy terms and check premiums based on their healthcare needs.
What is health insurance for chronic conditions?
Health insurance for chronic conditions is a specialised category of medical indemnity and benefit-based cover designed specifically for individuals diagnosed with persistent, long-lasting illnesses. Unlike standard retail mediclaim policies that treat chronic ailments as high-risk pre-existing diseases (PED) subject to extended waiting periods or outright underwriting rejections, chronic condition policies are structured around the operational reality of ongoing medical care.
A chronic condition is medically defined as an ailment that lasts for a year or longer, requires ongoing medical attention, limits daily activities, or necessitates recurring diagnostic and pharmaceutical support. Common chronic conditions prevalent in urban and semi-urban India include Type 1 and Type 2 diabetes mellitus, systemic hypertension, hyperlipidaemia, bronchial asthma, chronic obstructive pulmonary disease (COPD), rheumatoid arthritis, hypothyroidism, and chronic kidney disease stage 1 and 2.
These dedicated health insurance policies address two distinct financial liabilities: regular outpatient management (OPD) and catastrophic inpatient hospitalisation. Inpatient coverage handles emergency medical events arising from complications—such as diabetic ketoacidosis, acute hypertensive crisis, myocardial infarction, or stroke. Outpatient coverage addresses routine consultations with diabetologists, cardiologists, and pulmonologists, along with recurring laboratory tests and prescription refills.
Through the Bajaj Finance digital insurance platform, applicants can evaluate chronic disease plans from partner insurers that replace adversarial medical underwriting with structured disease care pathways, ensuring dependable financial resilience without burdensome procedural friction. You can explore transparent chronic plans and check premiums with zero paperwork. Source: General Insurance Council
Did you know?
According to epidemiological studies conducted by the Indian Council of Medical Research (ICMR), over 101 million individuals in India live with diabetes, and another 136 million are pre-diabetic. Specialised chronic disease health plans introduced in recent years allow individuals with controlled HbA1c levels up to 8.5% to obtain comprehensive inpatient and outpatient coverage with waiting periods as low as 30 days.
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Pro tip
Benefits of health insurance for chronic illnesses
Procuring specialised health insurance tailored to chronic conditions delivers several clinical, financial, and procedural benefits compared to relying solely on standard retail mediclaim:
- Reduced waiting periods for pre-existing ailments: Standard health plans often require 36 months of continuous coverage before claims related to declared chronic diseases are honoured. Specialised chronic illness plans significantly truncate this waiting timeframe to 30 days or 12 months for declared metabolic conditions.
- Comprehensive outpatient consultation and diagnostic cover: Chronic care requires frequent clinical assessments. Tailored policies cover routine doctor consultation fees, annual health check-ups, and recurring diagnostic monitoring including kidney function tests (KFT), lipid panels, and fundoscopy.
- Pharmacy and maintenance medication reimbursement: Ongoing drug therapies form the largest ongoing out-of-pocket healthcare expense for chronic patients. Dedicated plans offer outpatient pharmacy riders or digital wallet allowances to subsidise daily prescription medications.
- Protection against secondary systemic complications: Long-term hypertension and diabetes frequently escalate into target organ damage, including diabetic retinopathy, nephropathy, and coronary artery disease. Chronic condition coverage safeguards against multi-lakh hospitalisation costs resulting from tertiary medical crises. Source: Ministry of Health and Family Welfare
- Wellness incentives and biomarker improvement rewards: Many modern chronic care insurers offer integrated mobile application tracking. Policyholders who demonstrate improved blood glucose, blood pressure, or body mass index (BMI) receive discounts on renewal premiums and complimentary consultation vouchers.
- Cashless hospitalisation across extensive provider networks: In an acute clinical emergency, cashless admission across thousands of empanelled network hospitals eliminates the stress of arranging immediate liquidity for deposit payments.
- Income tax relief under Section 80D: Premiums paid towards chronic health insurance for self, spouse, dependent children, and parents qualify for tax deductions up to Rs. 25,000 for non-senior citizens and up to Rs. 50,000 for senior citizen parents under prevailing tax laws.
| Benefit dimension | Standard retail health insurance | Specialised chronic condition plan |
| Pre-existing disease waiting period | 36 months (standard under revised IRDAI guidelines) | 30 days to 12 months for declared conditions |
| Outpatient consultation (OPD) | Usually excluded or subject to strict sub-limits | Included with dedicated annual OPD consultation limits |
| Diagnostic blood tests and scans | Covered only within 30-day pre-hospitalisation window | Regular quarterly or biannual wellness investigations covered |
| Daily maintenance pharmacy | Excluded from standard inpatient mediclaim | Covered up to specified outpatient pharmacy allowance |
| Underwriting approach | Strict loading, exclusions, or frequent rejections | Tailored medical underwriting with disease-care tracking |
| Cumulative bonus protection | May be forfeited upon claim registration | Specialised restoration and persistent sum insured buffers |
| Dedicated health coach | Rarely offered in basic retail plans | Personalised dietician and diabetes educator support |
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Types of coverage for chronic conditions
Navigating the health insurance landscape for chronic medical conditions involves evaluating different plan structures. Insurers offer varied models designed to balance coverage breadth and premium affordability:
1. Specialised chronic illness indemnity plans
These are comprehensive inpatient hospitalisation policies specifically engineered for individuals already diagnosed with diabetes, high blood pressure, or hypercholesterolaemia. Under these contracts, the declared chronic condition is covered for inpatient hospitalisation either from day 31 or after an expedited 12-month waiting window, while all unrelated accidental and emergency medical events are covered after the standard 30-day initial waiting period.
2. Comprehensive health plans with chronic disease management riders
Many partner insurers on Bajaj Finance offer standard comprehensive floater and individual indemnity policies that allow policyholders to attach an optional "chronic care management rider". This rider provides a dedicated OPD wallet, scheduled home diagnostic sample collection, telemedicine access, and an automatic reduction of the pre-existing disease waiting period from 36 months down to 12 or 24 months.
3. Critical illness benefit plans for advanced complications
While an indemnity policy reimburses actual hospital expenses incurred, a critical illness plan pays a lump-sum cash benefit upon the confirmed diagnosis of advanced chronic complications, such as end-stage renal failure requiring ongoing dialysis, stroke resulting in permanent neurological deficit, or major organ transplantation. Policyholders often combine a chronic indemnity policy with a critical illness policy to replace lost income during long-term rehabilitation.
4. Senior citizen chronic care plans
Tailored for individuals above 60 years of age, senior citizen health plans acknowledge the coexistence of multiple comorbidities. These plans frequently incorporate mandatory co-payment arrangements (typically 10% to 20%) in exchange for accessible entry criteria, relaxed pre-policy screening thresholds, and guaranteed coverage for age-associated conditions like osteoarthritis, hypertension, and cardiac insufficiency.
Quick fact:
Under IRDAI master guidelines on health insurance underwriting, an insurer cannot decline renewal of a chronic condition health policy on the grounds of subsequent disease deterioration or recurring claims, provided the policy was continuously renewed without coverage lapses and no material fraud was committed during original disclosure.
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How to choose the right plan for chronic conditions
Selecting an optimal health insurance policy when living with a chronic ailment requires careful scrutiny beyond headline premium figures. Policyholders must balance coverage restrictions against daily clinical needs:
1. Scrutinise waiting period clauses for your specific condition
The most critical parameter is the waiting period applied to your declared condition. While some policies offer immediate coverage for diabetes-related hospitalisation after 30 days, others may impose a 12-month, 24-month, or 36-month waiting period. Ensure that the policy schedule explicitly notes the exact waiting period applicable to your medical history.
2. Verify outpatient department (OPD) and pharmacy sub-limits
Because chronic illnesses generate recurring monthly expenses, assess the exact monetary sub-limits allocated to OPD consultations and pharmacy bills. A policy offering an annual OPD limit of Rs. 15,000 to Rs. 25,000 provides meaningful financial relief against routine doctor visits and prescription drug purchases.
3. Evaluate co-payment terms and room rent restrictions
Check whether the policy enforces a mandatory co-payment on chronic illness claims. A 20% co-payment means you must personally fund Rs. 1 lakh of a Rs. 5 lakh hospital bill. Wherever possible, choose plans with zero co-payment or optional voluntary co-pays. Furthermore, ensure the policy provides single private room eligibility without proportional deduction penalties.
4. Review restoration benefits and cumulative bonuses
Chronic diseases can lead to multiple hospital admissions in a single policy year. Automatic sum insured restoration ensures that if your primary cover is depleted during an initial hospitalisation, the entire sum insured is reinstated for subsequent unrelated or related hospitalisations, depending on policy terms.
5. Check network hospital density in your residential vicinity
Cashless hospitalisation is essential during acute emergencies. Utilise the Bajaj Finance digital hospital locator to verify that premier tertiary care hospitals and cardiac institutes within a 10-kilometre radius of your residence are empaneled with your shortlisted partner insurer.
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Practical scenario: chronic condition medical expenses and claim settlement
Rajesh Sharma, a 48-year-old senior operations manager residing in Pune, was diagnosed with Type 2 diabetes mellitus and hypertension four years ago. Using the Bajaj Finance insurance marketplace, Rajesh evaluated specialised chronic condition plans that offer an expedited 30-day waiting period for diabetes, zero co-payment, and an annual OPD pharmacy allowance of Rs. 20,000, purchasing a policy with a sum insured of Rs. 20 lakh.
Eighteen months into his policy, Rajesh experienced acute coronary syndrome requiring urgent emergency hospitalisation, coronary angiography, and drug-eluting stent implantation at an empannelled tertiary hospital in Pune.
The total hospitalisation expenditure reached Rs. 6,80,000. Under his specialised chronic illness policy, the insurer processed cashless pre-authorisation and settled Rs. 6,65,000 directly with the hospital billing department, leaving Rajesh with an out-of-pocket payment of only Rs. 15,000 for non-medical consumables. Had Rajesh relied on standard retail mediclaim with a 36-month waiting period, the entire claim would have been repudiated as a pre-existing complication. To evaluate specialised chronic disease plans with day-one OPD covers, explore plans online.
Comprehensive policy comparison for chronic disease management
Evaluating the parameters of leading partner insurer plans available through Bajaj Finance enables families to choose an insurance structure that aligns with their clinical risk profile and budgetary preferences:
| Plan feature | Specialised chronic care plan | Comprehensive health plan + chronic rider | Basic mediclaim policy | Senior citizen co-pay policy |
| Sum insured range | Rs. 5 lakh to Rs. 1 crore | Rs. 10 lakh to Rs. 2 crore | Rs. 3 lakh to Rs. 10 lakh | Rs. 3 lakh to Rs. 25 lakh |
| Diabetes and hypertension inpatient waiting period | 30 days to 12 months | 12 months to 24 months | 36 months mandatory | 12 months to 24 months |
| Outpatient consultation (OPD) limits | Rs. 10,000 to Rs. 30,000 per year | Rs. 5,000 to Rs. 15,000 per year | Nil or sub-limited to Rs. 2,000 | Optional rider only |
| Inpatient room rent restrictions | No capping on single private room | No capping on single private room | 1% of sum insured per day | 1% of sum insured per day |
| Pre-policy medical screening | Required based on tele-profiling and age | Waived below age 45 unless severe history | Mandatory above age 45 | Mandatory clinical investigations |
| Mandatory co-payment | Zero co-payment | Zero co-payment | Zero co-payment | 10% to 20% co-payment |
| Modern and robotic surgical coverage | Covered up to full sum insured | Covered up to full sum insured | Sub-limited to 50% sum insured | Sub-limited to 50% sum insured |
| Cumulative bonus increment | 10% to 50% per claim-free year | 20% to 50% per claim-free year | 10% per year up to 50% | 5% to 10% per year |
| Dialysis and chemotherapy day care | 100% cashless coverage | 100% cashless coverage | Covered with daily sub-limits | Covered with co-payment |
| Health coach and dietician consultation | Included via mobile application | Included via wellness portal | Not available | Optional add-on |
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Tips for managing health insurance with chronic illness
Maximising your health insurance utility while living with a chronic disease requires active policy management, procedural diligence, and adherence to regulatory protocols:
- Maintain continuous, uninterrupted policy renewals: The primary value of chronic illness insurance lies in completed waiting periods. If your policy lapses beyond the 30-day grace period, all accumulated waiting period benefits are forfeited, resetting your pre-existing disease waiting counter back to zero.
- Document every medical prescription and diagnostic record: Maintain an organised digital repository of all doctor prescriptions, laboratory reports (such as quarterly HbA1c, fasting blood sugar, creatinine, and lipid profiles), and pharmacy purchase invoices. Insurers require clear chronological documentation to process outpatient reimbursements.
- Leverage network diagnostic centres for cashless tests: Partner insurers offer cashless diagnostic packages through affiliated laboratory networks. Booking routine investigations through the insurer portal or Bajaj Finance platform eliminates reimbursement paperwork and out-of-pocket payments.
- Participate actively in wellness and disease management programmes: Many chronic condition policies award health reward points for logging regular physical activity, attending scheduled medical check-ups, and keeping diagnostic parameters within target ranges. These points can be converted into premium discounts at renewal.
- Notify the insurer prior to planned surgical hospitalisation: For non-emergency procedures, submit pre-authorisation paperwork at least 48 hours prior to hospital admission. This ensures that the hospital third-party administrator (TPA) desk coordinates directly with the insurer, preventing administrative delays at discharge.
- Port your policy strategically without losing accumulated credits: If your current insurer introduces unfavourable terms or poor claim turnaround times, you possess the legal right under IRDAI portability regulations to transfer your policy to another insurer. Ensure you initiate portability at least 45 days prior to your policy renewal date.
Did you know?
Under IRDAI circulars regarding health insurance claim processing, once an insurance policy has been in force for continuous eight years (the moratorium period), an insurer cannot repudiate a claim on grounds of non-disclosure or misstatement, except in cases of proven deliberate fraud. Timely continuous renewals safeguard policyholders from retrospective claim rejections.
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Reviews
Arjun Mehta
13 Jul 2025
I opted for the Health Infinity plan for my parents. The digital onboarding was incredibly fast with no medical tests required since they are under 50. We had a minor daycare procedure last month, and the cashless approval came through in less than 2 hours. Very impressed with the efficiency.
Priya Sharma
28 Feb 2025
The Bajaj Finance Health app is a lifesaver. I use it for my regular OPD consultations and medicine orders. The 10% discount on pharmacy bills and the easy reimbursement for doctor visits make it much more than just a 'hospitalization' policy. It’s daily health support.
Sneha Kapoor
15 Mar 2025
Switched my family floater to Bajaj General this year. The network of hospitals in my city (Pune) is excellent. The only downside was a slight delay in getting my physical card, but the digital copy on the app works everywhere. The 'Wellness Rewards' for hitting step goals is a cool touch!
Do's and don'ts: Best Practices for chronic disease health insurance
Following transparent and methodical practices ensures seamless coverage and protects your policy against claim disputes:
| Do | Why it matters | Don’t | Risk to avoid |
| Declare all past medical history, medication dosages, and hospitalisations during application | Ensures full underwriting transparency and eliminates the risk of future claim rejection under Section 45 of the Insurance Act | Don’t conceal a known diagnosis of diabetes, hypertension, or asthma to secure lower initial premiums | Concealment constitutes material misrepresentation, leading to policy cancellation and total forfeiture of paid premiums |
| Submit latest diagnostic test reports (HbA1c, lipid panel, blood pressure charts) during underwriting | Allows underwriters to assess actual control levels accurately, often preventing unnecessary policy rejections | Don’t undergo medical check-ups without your usual prescription medications unless explicitly instructed | Erratic biomarker readings can result in inflated medical loading or unfavourable co-payment conditions |
| Choose a sum insured of at least Rs. 15 lakh to Rs. 25 lakh to absorb tertiary medical complications | Long-term chronic ailments elevate the statistical likelihood of multi-day ICU care and complex surgical procedures | Don’t rely exclusively on low-sum-insured basic corporate group insurance provided by your employer | Corporate coverage ceases upon job transition or retirement, leaving you vulnerable when personal coverage is difficult to buy |
| Verify that hospitalisation room rent limits permit single private air-conditioned rooms | Prevents proportionate deductions across all doctor fees, surgical charges, and nursing costs during hospitalisation | Don’t purchase plans with restrictive room rent limits (such as 1% of sum insured) to save marginal premium amounts | Selecting a room above the capped tariff triggers proportionate billing reductions, resulting in massive out-of-pocket expenses |
| Renew your policy well within the renewal window or standard 30-day grace period | Preserves your valuable accumulated waiting period credits and cumulative bonus sum insured | Don’t let your policy expire and attempt to purchase a fresh policy later with new underwriting | A fresh policy treats all existing chronic ailments as new pre-existing diseases, restarting waiting periods |
| Utilise the Bajaj Finance app to locate network hospitals and track OPD claims digitally | Speeds up pre-authorisation approvals and provides real-time visibility into claim documentation status | Don’t submit incomplete claim forms or missing prescription slips when claiming outpatient reimbursements | Incomplete claim submissions result in prolonged queries, administrative deductions, or reimbursement denial |
Quick fact:
IRDAI has mandated that all general and health insurers must settle or reject cashless pre-authorisation requests within three hours of receiving complete documentation from the hospital desk, ensuring rapid emergency admission for patients with acute chronic complications.
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What to do next to secure chronic condition health insurance
Follow this structured five-phase roadmap to secure optimal health coverage for chronic ailments:
- Phase 1: Compile Diagnostic Records and Prescription History (Days 1 to 2): Gather past 12 to 24 months of HbA1c tests, lipid panels, ECGs, blood pressure records, and treating physician consultation notes.
- Phase 2: Compare Chronic Care Plans on Bajaj Finance (Days 3 to 4): Evaluate specialised partner policies offering Day 1 or Day 30 chronic coverage, OPD doctor consultation allowances, and minimal waiting periods.
- Phase 3: Disclose Full Clinical History During Application (Days 5 to 6): Enter comprehensive medical histories, medication dosages, and lifestyle facts transparently to ensure flawless future claim settlement.
- Phase 4: Undergo Tele-Underwriting or Medical Checkup (Day 7): Complete scheduled digital video consultations or home blood sample collections to clear insurer medical underwriting.
- Phase 5: Secure Preventative Health Insurance via Bajaj Finance (Ongoing): Download policy bonds, monitor regular biometric readings via wellness apps, and benefit from premium discount rewards.
Sources and references
| Source / reference authority | Document / research topic | Relevant insights and context | Publication month and year |
| Indian Council of Medical Research (ICMR) | Guidelines on management of Type 2 diabetes and hypertension | Clinical monitoring intervals, target biomarkers, and therapy protocols | October 2026 |
| Insurance Regulatory and Development Authority of India (IRDAI) | Master circular on operations and allied matters of health insurance business | 36-month maximum pre-existing disease waiting period and chronic guidelines | October 2026 |
| Ministry of Health and Family Welfare (MoHFW) | National non-communicable diseases (NP-NCD) annual report | Disease prevalence, secondary cardiovascular risks, and outpatient care needs | October 2026 |
| General Insurance Council (GIC) | Chronic disease health insurance underwriting report | Empirical claims settlement ratios and loss experience across chronic portfolios | October 2026 |
Data last updated as of October 2026.
Glossary of health insurance technical terms
| Technical term | Definition and regulatory context |
| Chronic condition | A long-term medical ailment requiring ongoing clinical supervision, prescription drugs, or lifestyle intervention, including diabetes, hypertension, and asthma. |
| Pre-existing disease (PED) | Any condition, ailment, or injury diagnosed or treated by a physician within 36 months prior to the effective date of the health insurance policy. |
| Outpatient department (OPD) | Medical treatments, diagnostic tests, or specialist consultations availed without requiring continuous 24-hour hospitalisation. |
| Moratorium period | A continuous eight-year period of active coverage after which an insurer cannot repudiate claims based on past non-disclosure, barring proven fraud. |
| Medical underwriting loading | An additional premium percentage levied by an insurer to compensate for higher statistical risk associated with an existing medical condition. |
| Day care procedure | Medical treatments or surgical interventions that require less than 24 hours of hospitalisation due to advanced medical technology. |
| Cumulative bonus | An increase in the basic sum insured granted by the insurer without an increase in premium for each claim-free policy year. |
| Cashless facility | A claims settlement mechanism where the insurer pays admissible hospitalisation bills directly to the network hospital on behalf of the insured. |
Conclusion
Living with a chronic health condition requires disciplined lifestyle management, regular medical oversight, and an unwavering commitment to financial security. With healthcare inflation in India hovering between 12% and 14% annually, managing recurring diagnostic expenses, outpatient consultations, and potential inpatient emergencies without robust insurance can rapidly deplete hard-earned household savings.
Specialised health insurance policies for chronic diseases have transformed the medical underwriting landscape. By replacing prolonged four-year exclusions with rapid 30-day or 12-month waiting periods, integrating structured OPD allowances, and rewarding proactive wellness adherence, these plans empower individuals living with diabetes, hypertension, asthma, and cardiovascular conditions to access world-class healthcare without anxiety.
Through the Bajaj Finance digital insurance platform, individuals and families can transparently evaluate tailored chronic disease policies from partner insurers, assess network hospital coverage, calculate competitive premiums, and secure lifelong financial resilience with zero paperwork friction.
Take proactive control of chronic conditions today: check premium on Bajaj Finance for day-one chronic protections. Whether exploring senior citizens health insurance, evaluating health insurance options, or securing family health insurance, Bajaj Finance simplifies coverage discovery with transparent quotes and instant digital onboarding.
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Frequently asked questions
Policy coverage and chronic disease benefits
Waiting periods and pre-existing disease underwriting
Claims processing and outpatient maintenance care
What is health insurance for chronic conditions and how does it operate?
Health insurance for chronic conditions is a specialised indemnity policy structured to provide financial coverage for individuals diagnosed with long-term ailments like diabetes, hypertension, asthma, and cardiovascular disorders. It covers both inpatient hospitalisation resulting from acute complications and recurring outpatient care, including specialist consultations, routine blood investigations, and maintenance medications.
Are pre-existing diseases like hypertension and diabetes covered immediately?
Standard retail health insurance policies enforce a mandatory waiting period of up to 36 months for pre-existing diseases. However, specialised chronic disease health plans available on the Bajaj Finance marketplace offer expedited coverage for declared hypertension and diabetes after a waiting period as short as 30 days or 12 months.
Does chronic condition insurance cover outpatient consultations and routine blood tests?
Yes. Unlike standard basic mediclaim policies that restrict coverage to inpatient hospitalisation, specialised chronic illness plans feature dedicated outpatient department (OPD) allowances. These benefits reimburse doctor consultation fees, annual health check-ups, and diagnostic blood tests such as HbA1c and lipid profiles.
Can an insurer reject my application if I already have high blood pressure or diabetes?
While insurers retain the right to underwrite risks based on medical history, specialised chronic care policies are specifically designed to accept individuals with controlled chronic conditions. Underwriters may assess your baseline HbA1c and blood pressure readings and issue coverage subject to medical premium loading rather than outright rejection.
What happens if I fail to disclose my chronic condition during policy purchase?
Failing to disclose a pre-existing chronic condition violates the fundamental insurance principle of utmost good faith (uberrimae fidei) and Section 45 of the Insurance Act. In the event of a claim, the insurer has legal grounds to repudiate the claim, cancel the policy, and forfeit all premiums paid to date.
Is pre-policy medical check-up mandatory for chronic condition health insurance?
Depending on your age, declared medical history, and requested sum insured, insurers may conduct a tele-underwriting interview or request basic diagnostic screening (such as blood sugar, urine routine, and ECG). In many cases, submitting recent diagnostic records issued by your treating physician can streamline or waive fresh medical tests.
How do I register a cashless hospitalisation claim for a chronic disease emergency?
In an emergency hospitalisation, present your digital health insurance card and government identification at the network hospital's TPA desk within 24 hours of admission. The hospital coordinates directly with the insurer to secure cashless pre-authorisation. Bajaj Finance also provides app-based assistance to track your claim in real time.
What is the moratorium period in health insurance policies?
Under IRDAI regulations, the moratorium period is a continuous eight-year timeframe of active policy renewals. Once an insurance policy has completed eight years of uninterrupted cover, no claim can be contested or repudiated on grounds of non-disclosure or misstatement, except in cases of proven deliberate fraud.
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Disclaimer
*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Co. Limited , Star Health & Allied Insurance Co. Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third-party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finance Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.
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