Aditya Birla Health Insurance - Surgical Cover (18-35 years) at Rs. 3,398

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

  • Coverage up to Rs. 5 lakh, premium Rs. 3,398

    Get coverage against the expenses arising from hospitalisation and treatment for 16 major illnesses.

  • Treatment charges

    The policy provides for medical expenses which includes room charges, pre- and post-hospitalisation costs, and ambulance cover.

  • Hospital room rent

    Get coverage for a single private AC room for normal and ICU room.

  • End-to-end online

    About five minutes is all it would take to complete six simple steps and get your policy online.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy the Surgical Cover (18-35 years). If you meet all the eligibility criteria, we will need a few details to complete your application process.

Eligibility criteria

  • Exclusively for Bajaj Finance customers
  • Nationality: Indian
  • Age: 18 – 35 years

Documents required

No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:

  • Name
  • Address
  • Email address
  • Phone number

Step-by-step guide to buy this policy

  • Step 1

    Click on the ‘Buy Now’ button on this page.

  • Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards and wallet.

  • Step 6

    After the payment is successful, you can download the policy receipt instantly.

    You can also download the policy document from ‘My Account’ after 5 to 7 working days from the date of purchasing the policy.

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Policy details

Here’s a quick look at the policy details of Surgical Cover (18-35 years):

Policy details Description
Sum insured (in Rs.) 5 lakh
Premium including GST (in Rs.) 3,398
Policy tenure 1 year

Key inclusions and exclusions

Here’s a quick look at the key inclusions and exclusions under the Surgical Cover (18-35 years):

  • Key inclusions
  • Key exclusions
Key inclusions Description
Major illnesses Covers 16 major illnesses for hospitalisation on an indemnity basis
Room charges Normal and ICU costs as per actuals
Pre and post hospitalisation Covered up to sum insured for 30 days pre- and 60 days post-hospitalisation
Ambulance cost Covered up to amount specified in policy per hospitalisation

Given below is the list of the 16 critical illnesses covered under this policy:
1. Coronary artery by-pass surgery
2. Cancer treatment
3. Heart valve replacement
4. Major organ transplantation
5. Bone marrow transplant
6. Neurosurgery
7. Pulmonary artery graft surgery
8. Aorta graft surgery
9. Coronary artery by-pass surgery post occurrence of myocardial infraction
10. Surgical treatment for Stroke
11. Surgical treatment for benign brain tumour
12. Lung transplant surgery in case of end-stage lung disease
13. Kidney transplant surgery in case of end-stage renal failure
14. Skin grafting surgery for major burns
15. Surgical treatment of coma
16. Surgery for pheochromocytoma

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Key exclusions Description
Pre-existing condition Pre-existing condition is not covered
Ailments during waiting period Illnesses detected before 90 days from the purchase of policy
Illness other than specified under policy Any illness other than the 16 major illnesses specified under this policy

How to claim

You can reach out to the insurer (Aditya Birla Health Insurance) to claim the benefits of the Surgical Cover (18-35 years) by email or phone:

  • Insurer’s email address

    Insurer’s email address

    Share your policy document and medical reports at

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number - 1800-270-7000 and claim the benefits

  • Documents required to claim

    Documents required to claim

    To claim the benefits of the Surgical Cover (18-35 years), you need to present the following documents:
    1. The policy document received at the time of purchase
    2. Medical certificates and reports received from the doctor
    3. Invoice/bills

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

What is covered under the Surgical Cover (18-35 years)?

The Surgical Cover (18-35 years) provides coverage against the cost of treating 16 major illnesses mentioned under this policy, its pre- and post-hospitalisation expenses and ambulance charges at an affordable premium.

What is the initial waiting period under this policy?

There is an initial waiting period of 90 days to claim benefits under this policy. 

What are the exclusions for this policy?

Any sickness or disease other than the 16 specified under the policy, any pre-existing medical condition and claims before 90 days from the date of purchase are not covered under this policy. 

What is the validity of the Surgical Cover (18-35 years)?

This policy offered by Bajaj Finance is valid for a policy tenure of one year. 

What is the premium for the Surgical Cover (18-35 years)?

The premium for the policy is Rs. 3,398 with a sum insured of up to Rs. 5 lakh. 

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*Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company Aditya Birla Health Insurance Co. Limited. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under Group Protect Policy, UIN: ADIHLGP22023V032122. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.