Bajaj Health Insurance Waiting Period

Bajaj Health Insurance Waiting Period

Bajaj health insurance waiting period is the timeframe policyholders are required to wait before filing a claim with Bajaj General Insurance Limited (Formerly known as Bajaj Allianz General Insurance Company). It differs for various diseases & medical conditions and varies from one Bajaj health insurance plan to another. However, the policyholder does not have to serve any waiting period to file an accidental claim with the insurance company.

Types of Bajaj Health Insurance Waiting Period

Here are the various types of waiting periods that apply to Bajaj (Formerly known as Bajaj Allianz) health insurance plans:

1. Bajaj Health Insurance Pre-existing Diseases Waiting Period

   This waiting period should be served to claim the medical expenses incurred on the treatment of pre-existing diseases (PED), such as hypertension, diabetes, asthma, obesity, etc.

2. Bajaj Health Insurance Specified Disease/Procedure Waiting Period

   The insured must serve this waiting period to claim the treatment cost of specified illnesses/procedures, such as cataracts, mental illnesses, chronic kidney disease, Alzheimer’s disease, joint replacement surgery, etc.

3. Bajaj Health Insurance Initial Waiting Period

   This type of waiting period needs to be served to raise a health insurance claim for accidental injuries of the insured.

4. Bajaj Health Insurance Maternity Expenses Waiting Period

   Policyholders should serve this waiting period to file a claim under maternity insurance to pay for pregnancy and delivery expenses.

5. Bajaj Health Insurance Critical Illness Waiting Period

   This type of waiting period must be served to claim the treatment cost of a life-threatening disease under a critical illness insurance policy.

6. Bajaj Health Insurance Bariatric Surgery Cover Waiting Period

   Policyholders need to serve this waiting period to claim the cost of undergoing a bariatric surgery.

7. Bajaj Health Insurance Baby Care Waiting Period

   This waiting period should be served to claim the medical expenses incurred on the treatment of a newborn baby.

8. Bajaj Health Insurance Vector Borne Diseases Cover Waiting Period

   The insured must serve this waiting period to claim the cost of treating vector-borne diseases, such as dengue, malaria, chikungunya, Zika virus, kala azar, etc.

9. Bajaj Health Insurance Physiotherapy Benefit Waiting Period

   This waiting period needs to be served to file a claim to pay for the cost of undergoing physiotherapy by the insured.

10. Bajaj Health Insurance Spectacles Cover Waiting Period

    The insured should serve this waiting period to cover the medical expenses incurred on buying spectacles.

11. Bajaj Health Insurance Dentures Cover Waiting Period

    This type of waiting period must be served by the insured to claim the cost of getting dentures implanted.

12. Bajaj Health Insurance Hearing Aids Cover Waiting Period

    Policyholders need to serve this waiting period to file a claim to pay for the cost of buying hearing aids.

13. Bajaj Health Insurance Assisted Reproductive Technology Expenses Waiting Period

    This type of waiting period should be served to pay for the cost of undergoing assisted reproductive treatments, including IUI, IVF, GIFT, ICSI and ZIFT.

14. Bajaj Health Insurance Nurture Nest Waiting Period

    Policyholders must serve this waiting period to claim the medical expenses incurred on infertility treatment, adoption and egg freezing.

15. Bajaj Health Insurance Fetal Flourish Waiting Period

    This waiting period needs to be served to file a claim for the cost of pre-natal fetal investigations and treating complications and congenital disabilities of the unborn baby.

16. Bajaj Health Insurance Prophylactic Surgeries Waiting Period

    The insured should serve this waiting period to claim the cost of prophylactic surgeries, such as bariatric surgery, hysterectomy, etc.

17. Bajaj Health Insurance EMI Payment Cover Waiting Period

    This waiting period must be served to file a claim for the payment of EMIs in case of loss of employment.

18. Bajaj Health Insurance HIV-AIDS Cover Waiting Period

    The insured needs to serve this waiting period to claim the medical expenses incurred on the treatment of HIV AIDS.

19. Bajaj Health Insurance COVID-19 Treatment Waiting Period

    This type of waiting period should be served to raise a claim to pay for the treatment of COVID-19.

20. Bajaj Health Insurance Pre-existing Disability Cover Waiting Period

    Policyholders must serve this waiting period to claim the medical expenses incurred on the treatment of a pre-existing disability.

List of Bajaj Health Insurance Waiting Period

Take a look at the list of waiting periods applicable to health insurance plans offered by Bajaj General Insurance Limited:

Note: The Bajaj health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Bajaj Health Insurance Waiting Period?

Yes. The waiting period for pre-existing diseases can be reduced from 3 years to 2 years or 1 year by opting for the Change in PED Waiting Period benefit under the Bajaj My Health Care plan. Similarly, the specific disease waiting period can be reduced from 2 years to 1 year by opting for the Change in Specific Disease Waiting Period benefit under this plan. However, these benefits can be availed on payment of an additional premium.

Moreover, the Bajaj My Health Care plan allows policyholders to reduce the waiting period for maternity cover and newborn baby cover by 1 year if the policyholder opts for a long-term policy.

Things to Remember About Bajaj Health Insurance Waiting Period

Check out the things to remember about the Bajaj health insurance waiting period:

• If an illness or medical condition is diagnosed after buying the Bajaj (Formerly known as Bajaj Allianz) health insurance policy, it is not considered a pre-existing disease.
• No waiting period should be served to file an accidental claim with the insurance company.
• The waiting period for pre-existing diseases and specific diseases can be reduced under some mediclaim policies on payment of an additional premium.
• To file a critical illness insurance claim, the insured needs to serve the waiting period as well as the survival period.

Bajaj Health Insurance Waiting Period: FAQs