{"uin":"BAJHLIP27079V012627","name":"My Health Companion","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"My Health Companion is an outpatient-only indemnity policy from Bajaj General with four plans, Start, Smart, Prime and Elite, carrying OPD wallets of Rs 5,000, 10,000, 15,000 and 25,000 for in-clinic consultations, prescribed diagnostics, tele consultations, accidental OPD, an annual health check-up and diet and emotional wellness sessions (dental OPD in Elite only). Hospitalisation, room rent and day care are excluded, treatment must be taken in India, and illness claims carry a 30-day initial waiting period and a 12-month pre-existing disease wait.","analysis":{"state":"extracted","analysed_at":"2026-10-19 16:10:19.912291+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Start","Smart","Prime","Elite"],"display":"Start, Smart, Prime, Elite","note":"Each plan is available as an Individual or Floater policy.","quote":"Benefit | Start (₹5,000 OPD Wallet) | Smart (₹10,000 OPD Wallet) | Prime (₹15,000 OPD Wallet) ... Elite (₹25,000 OPD Wallet)","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"Annual policy; the cancellation clause also provides for multi-year policies.","display":"1 year (multi-year policies also referred to)","note":"The documents do not list the available terms; the term is as per the Policy Schedule.","quote":"Annual Policy: The premium refund for the unexpired risk period ... Multi-year Policy: ... Policy Year means the period of 12 months.","sources":[{"clause":"6","heading":"Cancellation","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-6-5"},{"clause":"23","heading":"Policy Year","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-23-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The wording only says 'Claims should be submitted within the timelines specified under each coverages in the Policy'; no timeline is printed. Prescribed investigations must be done within 30 days of the doctor's prescription.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Doctor's prescription and consultation records","Original invoices, bills, and payment receipts","Diagnostic reports, if applicable","Any other document as may be required by the Company for claim assessment"],"display":"Prescription and consultation records, original bills and receipts, diagnostic reports, other documents asked for","note":"For reimbursement claims, submitted through the Company's app.","quote":"The following documents may be required: o Doctor's prescription and consultation records. o Original invoices, bills, and payment receipts. o Diagnostic reports, if applicable. o Any other document as may be required by the Company for claim assessment.","sources":[{"clause":"17","heading":"Claims Procedure","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-17-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"Settled or rejected within 15 days from receipt of the last necessary document; interest at 2% above bank rate for delay.","display":"15 days from the last necessary document","note":"The wording contradicts itself: the 'Paying a Claim' condition says settlement within 30 days of the last necessary document (payment within 7 days of acceptance), and the reimbursement procedure says 15 days from intimation subject to receipt of all documents. Investigation, if any, within 30 days.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... at a rate 2% above the bank rate","sources":[{"clause":"4(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-4-i"},{"clause":"4(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-4-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["30-day Waiting Period (Code-Excl03)","Pre-Existing Diseases Waiting Period (Code- Excl02)","Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports (Code- Excl09)","Treatment for Alcoholism, drug or substance abuse (Code- Excl12)","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Maternity (Code Excl18)","All day-care treatments, surgical procedures, and related medical interventions","Inpatient hospitalization (IPD), admission charges, room rent, nursing charges","Treatment/Service taken outside India","OTC supplements, vitamins and wellness products","Spectacles, contact lenses and vision correction"],"display":"Waiting periods, standard IRDAI exclusions, all hospitalisation and day care, treatment outside India, OTC supplements, spectacles","note":"Each benefit also has its own exclusions (for example invasive tests under Annexure I for diagnostics, cosmetic dental work, physiotherapy sessions).","quote":"30-day Waiting Period (Code-Excl03) ... Pre-Existing Diseases Waiting Period (Code- Excl02) ... Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity: (Code Excl18) ... All day-care treatments, surgical procedures, and related medical interventions are excluded from coverage. ... Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded. ... Treatment/Service taken outside India. ... OTC supplements, vitamins and wellness products are excluded. ... Expenses related to Spectacles, contact lenses and vision correction are excluded.","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"},{"clause":"9(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-c"},{"clause":"1","heading":"Investigation & Evaluation (Code-Excl04)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-1-4"},{"clause":"2","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-2-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-6-4"},{"clause":"9","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-13-3"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-14-3"},{"clause":"15","heading":"Maternity: (Code Excl18)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-3"},{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Level 1: Customer Experience Team via website, toll free 1800 209 5858 or careforyou@bajajgeneral.com; Level 2: Grievance Redressal Officer at ggro@bajajgeneral.com; then the care specialist and Head of Customer experience, before the Insurance Ombudsman.","display":"Customer Experience Team (1800 209 5858, careforyou@bajajgeneral.com), then GRO at ggro@bajajgeneral.com","note":"Senior citizens: 1800-103-2529 or seniorcitizen@bajajgeneral.com. The CIS also lists WhatsApp +91 7507245858.","quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options: ... Call us on our Toll free no 1800 209 5858 ... Mail us on careforyou@bajajgeneral.com ... Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... Level 3 If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS to 575758 and our care specialist will call you back ... write to Head of Customer experience directly at head.customerservice@bajajgeneral.com","sources":[{"clause":"15","heading":"Redressal of Grievance","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"An OPD wallet of Rs 5,000 (Start), Rs 10,000 (Smart), Rs 15,000 (Prime) or Rs 25,000 (Elite).","display":"OPD wallet of ₹5,000, ₹10,000, ₹15,000 or ₹25,000 by plan","note":"Each benefit inside the wallet has its own limit (for example in-clinic consultation ₹2,500 to ₹10,000).","quote":"Start (₹5,000 OPD Wallet) | Smart (₹10,000 OPD Wallet) | Prime (₹15,000 OPD Wallet) ... Elite (₹25,000 OPD Wallet)","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents excepted. Does not apply if the Insured Person has continuous coverage for more than twelve months. Applies to each benefit except Accidental OPD and Value Added Services.","quote":"Expenses related to the treatment of any Illness within 30 days as per the option specified in the Policy Schedule from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered. ... This exclusion shall not, however apply if the Insured Person has continuous coverage for more than twelve months.","sources":[{"clause":"9(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-a"},{"clause":"9(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-b"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":12},"display":"12 months","note":"Printed under In-clinic Doctor Consultation, Prescribed Diagnostics and Dental OPD. The same clause also says 'The PED waiting period would be as specified on the Policy Schedule'. CIS: 'Pre-existing disease | 12 months'.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first My Health Companion Policy with Us.","sources":[{"clause":"9(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-a-2"},{"clause":"15","heading":"Spectacles, contact lenses and vision correction","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/311#c-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"Only the standard definition ('a period up to 24 months') is printed; no specific waiting period applies to any listed illness in this product.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No list of named illnesses with a specific waiting period is printed.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"On an enhanced sum insured the 60 months run from the enhancement. Not contestable after it except for proven fraud and permanent exclusions.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"10","heading":"Moratorium Period","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-10-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The whole policy can be ported to another insurer by applying at least 30 days, but not earlier than 60 days, before renewal, with accrued continuity benefits in waiting periods.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried","note":"Migration to other Bajaj General products is also allowed (apply at least 30 days before renewal).","quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy Renewal date ... the proposed Insured Person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on Portability.","sources":[{"clause":"7","heading":"Portability","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-7-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, renewable except for fraud, non-disclosure or misrepresentation","note":"No maximum renewal age is printed. Renewal is not denied because of claims.","quote":"Your Policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by You, provided this policy is not withdrawn","sources":[{"clause":"5(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-5-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. Renewal loadings are at portfolio level, not based on the individual policy's claims; a discount may be given for good claims experience.","display":"No individual claim loading","note":null,"quote":"For this policy, the loadings on Renewal premium shall be at portfolio and not based upon any individual policy claim experience. However, discount in premium may be provided by Us to You for good claims experience.","sources":[{"clause":"5(iv)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-5-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Obesity/Weight Control (Code-Excl06)","Change-of-gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports (Code- Excl09)","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Alcoholism, drug or substance abuse (Code- Excl12)","Health hydros, nature cure clinics, spas (Code-Excl13)","Dietary supplements (Code-Excl14)","Refractive Error (Code-Excl15)","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Maternity (Code Excl18)","Experimental, investigational or Unproven Treatment devices and pharmacological regimens","Treatment for alopecia, baldness, wigs, or toupees","Congenital external diseases, defects or anomalies","Venereal disease, all sexually transmitted disease","Naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies","Cost incurred for any health check-up or for the purpose of issuance of medical certificates","Treatment taken from a person not falling within the scope of definition of Medical Practitioner","Treatment charges or fees charged by any Medical Practitioner acting outside the scope of license","Treatments rendered by a Medical Practitioner who is a member of the Customer's family or stays with him","Treatment not of a reasonable charge, not medically necessary, or drugs not supported by a prescription","Treatment/Service taken outside India","All day-care treatments, surgical procedures","Inpatient hospitalization (IPD) of any kind","OTC supplements, vitamins and wellness products","Spectacles, contact lenses and vision correction"],"display":"Standard exclusions Excl04 to Excl18, plus the product's own: experimental treatment, alopecia, external congenital anomalies, STDs, certificate check-ups, unqualified or family doctors, naturopathy and acupuncture, treatment outside India, day care, all hospitalisation, OTC supplements, spectacles","note":"Each benefit also carries its own exclusions (for example invasive diagnostic tests listed in Annexure I, cosmetic dental work, physiotherapy sessions).","quote":"Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... (Code-Excl13) ... Dietary supplements and substances that can be purchased without prescription ... (Code-Excl14) ... Refractive Error (Code-Excl15) ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity: (Code Excl18) ... 1. Experimental, investigational or Unproven Treatment devices and pharmacological regimens. ... Treatment for alopecia, baldness, wigs, or toupees, and all treatment related to the same. ... Congenital external diseases, defects or anomalies. ... Venereal disease, all sexually transmitted disease ... Naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies. ... 5. Cost incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose. 6. Treatment taken from a person not falling within the scope of definition of Medical Practitioner. 7. Treatment charges or fees charged by any Medical Practitioner acting outside the scope of license or registration granted to him by any medical council. 8. Treatments rendered by a Medical Practitioner who is a member of the Customer’s family or stays with him. 9. Any treatment or part of a treatment that is not of a reasonable charge, not medically necessary; drugs or treatments which are not supported by a prescription. ... Treatment/Service taken outside India. ... All day-care treatments, surgical procedures, and related medical interventions are excluded from coverage. ... Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded. ... 14. OTC supplements, vitamins and wellness products are excluded. 15. Expenses related to Spectacles, contact lenses and vision correction are excluded.","sources":[{"clause":"1","heading":"Investigation & Evaluation (Code-Excl04)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-1-4"},{"clause":"2","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-2-4"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-7-4"},{"clause":"8","heading":"Excluded Providers (Code-Excl11)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-8-4"},{"clause":"9","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-4"},{"clause":"10","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-10-3"},{"clause":"11","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-11-3"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-12-3"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-13-3"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-14-3"},{"clause":"15","heading":"Maternity: (Code Excl18)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-3"},{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"With 7 days' written notice: pro-rata refund of premium for the unexpired period provided no claim was made in the Policy Year; on multi-year policies, unstarted years refunded in full. Medical examination costs are deducted.","display":"Pro-rata refund if no claim in the policy year (7 days' notice)","note":"Instalment premiums: pro-rata if no claim in the Policy Year. No refund when the Company cancels for misrepresentation, non-disclosure or fraud (15 days' notice).","quote":"The Insured can cancel this Policy by providing a written notice of 7 days. ... Annual Policy: The premium refund for the unexpired risk period will be on a prorata basis, provided no claim has been made during the Policy Year. ... For any Policy Year where the risk date has not yet started, the premium will be refunded without any deduction. ... expenses incurred by the Company on medical examination of the Insured Persons will also be deducted before refunding of premium. ... The Company may cancel the Policy at any time on the grounds of misrepresentation, non-disclosure of material facts, or fraud by the Insured, by providing 15 days’ written notice. There will be no refund of premium for cancellations on these grounds.","sources":[{"clause":"6","heading":"Cancellation","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-6-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":"Treatment/Service taken outside India is a specific exclusion.","quote":"All medical treatment for the purpose of the Policy Schedule will have to be taken in India only.","sources":[{"clause":"8","heading":"Territorial Jurisdiction and Territorial Limit","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-8-6"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Only at inception, not on renewal or porting; refund less medical examination and stamp duty if no claim. The CIS counts the 30 days 'from the first inception of policy' rather than from receipt of the policy document.","quote":"The Free Look Period shall be applicable at the inception of the Policy and not on renewals or at the time of Porting the Policy. The Insured Person shall be allowed a period of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable. If the Insured Person has not made any claim during the Free Look Period, the Insured Person shall be entitled to, ... A refund of the premium paid less any expenses incurred by the Company on medical examination of the Insured Person and the stamp duty charges","sources":[{"clause":"16","heading":"Free Look Period","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-16-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly mode)","note":null,"quote":"fifteen days where premium payment mode is monthly and thirty days in all other cases. ... We shall condone a delay in Renewal up to the Grace Period (30 days) from the due date of Renewal","sources":[{"clause":"14","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-14"},{"clause":"5(iii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-5-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"3 months to 65 years.","display":"3 months to 65 years","note":"From the prospectus.","quote":"What is the entry age eligibility under the policy? 3 months to 65 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/310#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Full premium at inception","Instalments"],"display":"Full premium or instalments","note":"The instalment frequencies are not listed; the grace period definition refers to a monthly mode.","quote":"Cancellation of policy where full premium received at Policy inception ... Cancellation of Policy where Premium Received on Instalment Basis","sources":[{"clause":"6","heading":"Cancellation","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-6-5"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"No optional covers for extra premium are described; benefits differ only by plan.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"Not generally: coverage need not be available for the period without premium, but cover is given during the grace period when the premium is paid in instalments.","display":"No, except for instalment premiums","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the Policy Period.","sources":[{"clause":"14","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-14"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"Not covered: room rent and all in-patient hospitalisation are excluded.","display":"Not covered (no hospitalisation cover)","note":"Outpatient-only product.","quote":"13. Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded.","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"Outpatient-only policy; hospitalisation of any kind is excluded.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"Not covered: in-patient hospitalisation of any kind, including intensive care, is excluded.","display":"Not covered (no hospitalisation cover)","note":"Outpatient-only product; the CIS lists 'IPD and hospitalisation of any kind' as excluded.","quote":"13. Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded.","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-applicable","value":null,"display":null,"note":"No room is paid for; hospitalisation of any kind is excluded.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":"No co-payment is printed; the CIS financial-limits row shows only the plan limits.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":"Only the standard definition and the preamble's generic reference to 'the Deductible' are printed; no amount.","quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["Tele consultation: maximum ₹2,000 per consultation","Dental reimbursement caps: consultation 500, IOPA 250, digital X ray 400","Dental reimbursement caps: root canal treatment 5000, post and core 4000","Dental reimbursement caps: filling GIC 1000, silver 2000, composite 3000","Dental reimbursement caps: extraction 700 to 5000, crowns 3000 to 5000","Dental reimbursement caps: extraction of primary teeth 750, pulpectomy 4000"],"display":"Tele consultation fee up to ₹2,000; dental reimbursement caps per procedure (250 to 5000)","note":"Dental OPD is in the Elite plan only and the caps apply only to reimbursement outside the network with prior approval (the dental exclusions also say the benefit cannot be availed outside the network). Tele consultation is also limited to 10 consultations a month and 2 a day. Each benefit has its own plan limit in the plan table.","quote":"8. The maximum consultation fee covered shall be ₹2,000 per consultation. ... Such reimbursements will be capped for respective services as per the table below. However, this capping will apply only for reimbursement claims. ... Consultation charges | 500\nIOPA/X-ray\nIOPA | 250\nDigital X ray | 400\nRoot canal treatment\nRCT with GIC /Miracle /SF POR | 5000 ... Post and core | 4000\nRestoration /Filling\nGIC | 1000\nSilver filling | 2000\nComposite | 3000 ... Mobile tooth | 700 ... Extraction – Impacted/Surgical removal | 5000 ... Ni-Cr Metal crown | 3000\nCo-Cr Metal crown | 4500 ... Zirconia | 5000 ... Extraction of primary teeth | 750\nPulpectomy | 4000","sources":[{"clause":"9(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-c-7"},{"clause":"9(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-d-2"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-applicable","value":null,"display":null,"note":"Outpatient-only policy; hospitalisation of any kind is excluded.","quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-applicable","value":null,"display":null,"note":"Outpatient-only policy; hospitalisation of any kind is excluded.","quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"Not covered: all day-care treatments and surgical procedures are excluded.","display":"Not covered","note":null,"quote":"All day-care treatments, surgical procedures, and related medical interventions are excluded from coverage.","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Not covered: hospitalisation of any kind is excluded and no home treatment benefit is offered.","display":"Not covered","note":"Tele consultation (video, audio or chat) is the only remote benefit; it is not domiciliary treatment.","quote":"13. Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded.","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-person and tele consultations with AYUSH practitioners are covered within the plan limits; Panchakarma or any therapeutic AYUSH procedures are excluded, and AYUSH hospitalisation is not covered.","display":"AYUSH consultations only, within plan limits; AYUSH procedures excluded","note":"Ayurveda, Homeopath and Unani are shown as covered specialities; naturopathy is a specific exclusion.","quote":"Insured Person may avail an in-person consultation with an Medical Practitioner/ Physician/Doctor/AYUSH practitioner from prescribed network centres of concerned Service Provider up to the limit as specified under this Policy. ... he/she may avail teleconsultation from the Medical Practitioner/AYUSH practitioner listed on the digital platform/application ... Panchakarma or any therapeutic AYUSH procedures. ... Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded. ... Covered Ayurveda Covered ... Homeopath\nCovered Physiotherapist Covered Unani Covered","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"},{"clause":"9(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-c-7"},{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"},{"clause":"9(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-d"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Not covered: all day-care treatments, surgical procedures and hospitalisation of any kind are excluded.","display":"Not covered","note":"Medicines are also excluded under the consultation and accidental OPD benefits.","quote":"12. All day-care treatments, surgical procedures, and related medical interventions are excluded from coverage. 13. Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded.","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Not covered: hospitalisation of any kind is excluded, so no donor hospitalisation costs are paid.","display":"Not covered (no hospitalisation cover)","note":"Outpatient-only product.","quote":"13. Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded.","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"No ambulance cost is paid: the Service Provider only helps locate, book and coordinate an ambulance, and the charges are borne by the Insured Person.","display":"Booking assistance only; charges borne by you","note":"A Value Added Service in all plans.","quote":"At the request of an Insured Person, the Service Provider will assist in locating, booking and/or coordinating an ambulance service, subject to availability of ambulance service providers at the relevant location and time. The actual ambulance charges shall be borne by the Insured Person.","sources":[{"clause":"9(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-c-10"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":"No refill of the OPD wallet is described; unused benefits are not carried forward to the next Policy Year.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"None: the CIS says cumulative bonus is not applicable.","display":"Not applicable","note":"The wording allows a premium discount for good claims experience. Unused benefits cannot be carried forward.","quote":"Cumulative Bonus | Not Applicable","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/311#c-s1"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not covered under the consultation and dental benefits: medical and non-medical items are excluded; the policy pays no hospital bills.","display":"Not covered (medical and non-medical items excluded)","note":"Accidental OPD covers wound management including suturing and dressing within its limit; it does not say separately whether items billed with it are paid.","quote":"1. Other expenses of investigations, medicines, surgical or non-surgical procedures or any medical, non-medical items are not covered under this cover/section. ... 1. Other expenses of investigations, medicines, surgical or non-surgical procedures or any medical, non-medical items not mentioned under this coverage are excluded. ... 13. Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded.","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"},{"clause":"9(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-d-2"},{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Not covered: childbirth, miscarriage and termination are excluded (Excl18), and antenatal check-ups, delivery and postnatal care are excluded; consultations and investigations for pregnancy related complications are covered.","display":"Not covered; only consultations and tests for pregnancy complications","note":"Excl18 is a standard exclusion. The CIS summary of Excl18 also lists 'pregnancy and its complications'.","quote":"Maternity: (Code Excl18) ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; ... Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy ... Claims related to Routine antenatal check-ups, pregnancy screening tests, delivery expenses, postnatal care, medicines and fertility treatment shall not be covered. However, consultations for Pregnancy Related Complications would be covered.","sources":[{"clause":"15","heading":"Maternity: (Code Excl18)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-3"},{"clause":"15(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-i"},{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"},{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"No newborn cover is described; the prospectus entry age starts at 3 months.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"cross-checked","value":"No in-patient cover (hospitalisation of any kind is excluded). Outpatient: psychiatrist consultations are covered, and Emotional Wellness Sessions with a coach or psychologist (2, 4, 6 or 10 sessions by plan) are online only.","display":"No in-patient cover; psychiatrist consultations and 2 to 10 emotional wellness sessions","note":"Psychologist in-clinic consultation is shown as excluded in the speciality table.","quote":"Any expenses arising from inpatient hospitalization (IPD), admission charges, room rent, nursing charges, or hospitalization of any kind are excluded. ... Psychiatrist Covered ... Emotional Wellness Sessions | 2 Sessions | 4 Sessions | 6 Sessions ... 10 Sessions ... an Insured Person can consult an emotional health coach/psychologist listed on the digital platform/application","sources":[{"clause":"15(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-15-ii"},{"clause":"9(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-d"},{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"},{"clause":"9(c)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-c-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"One preventive health check-up every Policy Year at network centres, cashless only: Essential (Start), Classic (Smart), Silver (Prime) or Smart Plus (Elite) package; 1 voucher for an Individual Policy, 2 for a Floater Policy.","display":"Once every policy year; package by plan","note":"Reimbursement is excluded; tests must be done in one appointment; the 30-day waiting period applies; not carried forward.","quote":"can avail the Preventive health check-up once in every Policy Year as per the list given below in the network centres of the Service Provider. ... Annual Health Check-up (1 Voucher for Individual Policy 2 vouchers for Floater Policy) | Essential Package | Classic Package | Silver Package ... Smart Plus Package","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"},{"clause":"9(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-d-3"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"The core cover. Per year by plan (Start / Smart / Prime / Elite): in-clinic doctor consultation ₹2,500 / ₹5,000 / ₹7,500 / ₹10,000; prescribed diagnostics the same; accidental OPD ₹5,000 / ₹10,000 / ₹15,000 / ₹25,000; dental OPD ₹5,000 in Elite only; tele consultation from unlimited GP to all 20+ specialities.","display":"In-clinic consultation and diagnostics ₹2,500 to ₹10,000 each; accidental OPD ₹5,000 to ₹25,000; dental ₹5,000 (Elite)","note":"Medicines are not covered. Diet and Nutrition sessions: 4, 8, 12 or unlimited. Tele consultation capped at ₹2,000 per consultation, 10 a month.","quote":"In-clinic Doctor Consultation | ₹ 2,500 | ₹ 5,000 | ₹ 7,500 ... ₹ 10,000 ... Prescribed Diagnostics | ₹ 2,500 | ₹ 5,000 | ₹ 7,500 ... Dental OPD | - | - | - ... ₹ 5,000 ... Tele Consultation | Unlimited GP | Unlimited GP + 5 Specialities | Unlimited GP + 10 Specialities ... Unlimited All 20+ Specialities ... Accidental OPD | ₹ 5,000 | ₹ 10,000 | ₹ 15,000 ... ₹ 25,000","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, benefits are availed cashless through the Service Provider's network via the Company's app; diagnostics and dental outside the network are reimbursed with prior approval, and accidental OPD can be taken at any clinic or hospital.","display":"Yes, through the Service Provider network via the app","note":"Tele consultation, health check-up, diet and emotional wellness sessions are cashless only; reimbursement is excluded for them.","quote":"The Insured Person may avail consultations/sessions/vouchers on a cashless basis through the Company's empanelled Service Provider network, subject to the terms and conditions of the policy.","sources":[{"clause":"17","heading":"Claims Procedure","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-17-3"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"Benefits are delivered through a Service Provider engaged by the insurer; reimbursement claims are submitted to the Company through its app.","display":"Insurer's app, with a Service Provider delivering benefits","note":"No TPA is named.","quote":"Benefit under this Policy will be facilitated through a Network Provider or Service Provider appointed or engaged by Us ... The reimbursement claim is to be submitted through the Company's app along with the required documents.","sources":[{"clause":"9","heading":"Value Added Services","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-9-3"},{"clause":"17","heading":"Claims Procedure","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309#c-17-3"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes, Individual and Floater policies","note":"Floater covers the insured, spouse and dependent children; parents need a separate floater.","quote":"What type of plans are available? Individual and Floater Policy","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/310#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"My Health Companion Policy Wordings","pages":32,"fetched_at":"2026-10-19 16:10:19.714399+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/wellness-plans/My-Health-Companion-PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/309"},{"kind":"prospectus","label":"My Health Companion Prospectus","pages":13,"fetched_at":"2026-10-19 16:10:19.714399+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/wellness-plans/My-Health-Companion-Prospectus-.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/310"},{"kind":"cis","label":"My Health Companion CIS","pages":5,"fetched_at":"2026-10-19 16:10:19.714399+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/wellness-plans/My-Health-Companion_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/311"},{"kind":"brochure","label":"My Health Companion Prospectus","pages":12,"fetched_at":"2026-10-17 19:40:04+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/wellness-plans/My-Health-Companion-Brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627/document/3132"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"My Health Companion (UIN BAJHLIP27079V012627), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/my-health-companion-bajhlip27079v012627"}