Bank of Baroda Health Insurance

Bank of Baroda health insurance for account holders provide financial support during planned and unplanned medical treatments. These plans are introduced in collaboration with various insurance companies and are customised to meet diverse healthcare requirements of their customers. However, the health insurance coverage remains valid only while the tie-up between the bank and the insurer is in place and the associated bank account is active.

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      Bank of Baroda Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases Covered from day 1
      Validity of Bank of Baroda health insurance plans 1. Remains active until the customer has an active Bank of Baroda account
      2. Remains active while the partnership between Bank of Baroda and the insurer is in effect
      Riders No rider options are mostly available
      Premium Payment Automatically debited from the associated Bank of Baroda account
      Tax Benefits Qualifies under Section 80D of the Income Tax Act

      Disclaimer: PED waiting period may vary depending on the terms and conditions of the Bank of Baroda health insurance policy.

      Benefits of Bank of Baroda Health Insurance

      Check out some of the key benefits of buying a Bank of Baroda health insurance plan for account holders:

      1. Affordable Health Insurance Premiums

        By partnering with reputed health insurance companies, Bank of Baroda offers mediclaim plans at competitive rates. These plans may also include exclusive offers that reduce the overall premium.

      2. Coverage for Pre-Existing Diseases from Day 1

        Bank of Baroda health insurance plans may provide immediate coverage for Pre-existing Diseases (PED), such as asthma, cancer, and diabetes, unlike many traditional medical insurance policies that impose a waiting period.

      3. Automatic Payment Facility

        The premium for the selected Bank of Baroda health plan is auto-debited from the customer's Bank of Baroda account. This convenient feature ensures uninterrupted health insurance coverage through timely payments.

      4. Direct Purchase Without Intermediaries

        Customers can conveniently select and purchase their preferred mediclaim policy directly through Bank of Baroda, without relying on third-party agents. This allows customers to make informed choices independently, based on their specific health and financial needs.

      5. Wide Range of Plans

        Bank of Baroda offers a diverse range of medical insurance plans tailored to suit individuals, families, and senior citizens. From Bank of Baroda health insurance for senior citizens to Bank of Baroda family health insurance plans, each plan is designed to provide extensive mediclaim protection.

      6. Enhanced Convenience

        Managing both banking and health insurance needs through a single platform enhances convenience. It even allows for better coordination and easier management of financial and health-related matters.

      List of Plans Offered by Bank of Baroda Health Insurance

      Take a look at the different health insurance plans offered by the Bank of Baroda:

      Bank of Baroda Health Insurance Plans Sum Insured Ideal For
      Niva Bupa Health Assurance Plan ₹3 lakh to ₹5 crore Individuals/Families
      Niva Bupa GoActive Health Insurance Plan ₹4 lakh to ₹25 lakh Individuals/Families
      Niva Bupa Health Companion Plan ₹3 lakh to ₹1 crore Individuals/Nuclear Families
      Niva Bupa HeartBeat Health Insurance Plan ₹5 lakh to ₹1 crore Families
      Star Accident Care Individual Insurance Policy ₹1 lakh onwards (depending upon the insured's earning capacity) Accidents
      Star Diabetes Safe Insurance Policy ₹3 lakh to ₹10 lakh Diabetic patients
      Star Family Health Optima Plan ₹5 lakh to ₹25 lakh Families
      Star Medi Classic Insurance Policy (Individual) ₹1.5 lakh to ₹25 lakh Individuals
      Star Senior Citizens Red Carpet Health Insurance Policy ₹1 lakh to ₹25 lakh Senior citizens
      Star Cancer Care Gold Plan ₹3 lakh and ₹5 lakh Cancer Patients
      Star Cardiac Care Insurance Policy ₹3 lakh and ₹4 lakh Heart patients
      Star Comprehensive Insurance Policy ₹5 lakh to ₹1 crore Families
      Star Super Surplus Insurance Policy ₹5 lakh to ₹1 crore Top-up

      Note: The above list of Bank of Baroda health insurance plans is as of May 06, 2025.

      What is Covered by Bank of Baroda Health Insurance?

      Bank of Baroda health insurance offers coverage for the following:

      Note: The exact coverage may differ from one Bank of Baroda health insurance plan to another.

      What is Not Covered by Bank of Baroda Health Insurance?

      The following expenses are not covered by Bank of Baroda health insurance:

      • Treatment for intoxicating substances like alcohol and drugs
      • Intentional self-harm or injuries due to suicide attempt
      • Congenital external diseases
      • Treatment for injuries due to participation in illegal activities
      • Cosmetic/Plastic surgery
      • Dietary supplements and substances
      • Treatment for injuries due to participation in hazardous sports
      • Unproven treatments
      • Change of gender treatments

      Things to Keep in Mind While Buying a Bank of Baroda Health Insurance Plan

      Listed below are a few things that customers should keep in mind while investing in a Bank of Baroda health insurance plan:

      • Validity: The insurance plan remains active only if the customer maintains a Bank of Baroda account and the bank continues its association with the partnered insurance company.
      • Scope of Coverage: Compared to standard health insurance policies, Bank of Baroda health insurance scheme may offer limited coverage. This makes it important for the customer to go through the policy inclusions and exclusions.
      • Choice of Insurers: Only insurance providers that have a tie-up with Bank of Baroda are available under this scheme, which can reduce flexibility in choosing insurers.
      • Riders: Health insurance riders, often available in personal medical insurance plans, are usually not offered under the Bank of Baroda health plans.

      Bank of Baroda Health Insurance: FAQs

      • Q1. Does Bank of Baroda provide health insurance?

        Ans: Yes, Bank of Baroda provides health insurance in partnership with Niva Bupa Health Insurance Company and Star Health and Allied Insurance Company.
      • Q2. Are there any Bank of Baroda health insurance plans for family?

        Ans: Yes, there are multiple Bank of Baroda family health insurance plans, including Star Family Health Optima plan, Niva Bupa Health Assurance plan, and Niva Bupa GoActive Health Insurance plan.
      • Q3. What is the cost of Bank of Baroda health insurance?

        Ans: To know the cost of a Bank of Baroda health insurance plan, you can go through the Bank of Baroda health insurance premium chart. You can also check the approximate premium price by using the Bank of Baroda health insurance premium calculator available on Policybazaar.com.
      • Q4. Where can I find Bank of Baroda health insurance network hospitals list?

        Ans: You can find the Bank of Baroda health insurance network hospitals list either on the official website of Bank of Baroda or the insurance provider. In fact, you can get in touch with their customer support teams to know the network hospital list details.
      • Q5. What is the Bank of Baroda health insurance customer care number?

        Ans: The Bank of Baroda health insurance customer care number is 1800 5700 or 1800 5000 for domestic customers and +91 79 6629 6009 for people calling from abroad.
      • Q6. Which insurers are part of the Bank of Baroda health insurance tie-up?

        Ans: The Bank of Baroda health insurance tie-up includes the Niva Bupa Health Insurance Company and the Star Health and Allied Insurance Company.
      • Q7. How can I proceed with Bank of Baroda health insurance renewal?

        Ans: Bank of Baroda health insurance renewal is usually automatic, with premiums debited directly from the linked Bank of Baroda account, ensuring continuous mediclaim coverage.
      • Q8. Where can I find Bank of Baroda health insurance policy details?

        Ans: You can check Bank of Baroda health insurance policy details on the official website of Bank of Baroda or the partnered insurer’s website.
      • Q9. How can I download the Bank of Baroda health insurance claim form?

        Ans: The Bank of Baroda health insurance claim form is available on the official website of the insurance provider tied up with Bank of Baroda.
      • Q10. Where can I get the Bank of Baroda health insurance form?

        Ans: You can get the Bank of Baroda health insurance form either from the bank’s official website or from the insurance provider's website.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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