Health Insurance
Health Insurance, Offered Through Bajaj Capital Insurance Broking Limited
Health insurance pays toward hospitalisation and treatment costs in exchange for a premium. A single serious illness can be an expense most households would rather not meet entirely out of savings — that is the problem this exists to solve.
Insurance is offered through Bajaj Capital Insurance Broking Limited, for whom Prabhakar S M acts as a Point of Sales Person (POSP No. POS7192, Composite).
What Health Insurance Is, And Why It Matters
You pay a premium, usually once a year, and the insurer agrees to pay toward your hospitalisation and related medical costs, up to the policy's sum insured, for conditions the policy covers. It does not pay for routine, non-hospital care in most cases — it exists for the larger, harder-to-plan-for costs.
Common Structures
How Health Insurance Is Usually Structured
These are general categories that exist across the market, not a list of what is confirmed available through this appointment.
Individual
Covers one person, for their own hospitalisation and treatment costs, up to the policy’s sum insured.
Family Floater
One sum insured, shared across the whole family named on the policy — usually more cost-effective than separate individual policies.
Critical Illness
Pays a lump sum on diagnosis of a specified serious illness, regardless of the actual treatment cost — separate from, and often alongside, a hospitalisation policy.
Senior Citizen
Designed around the health risks and higher premiums that come with an older age at entry.
Top-Up / Super Top-Up
Raises your total cover above a base policy’s limit, at a lower premium than buying that much cover from scratch.
Health Insurance Available Through Bajaj Capital Insurance Broking Limited
Frequently Asked Questions
Why do I need health insurance if I am healthy now?
A serious illness or an accident does not announce itself in advance, and a hospital stay — especially one involving surgery or an ICU admission — can be a significant expense. Health insurance exists so that decision is made before you need it, not during a crisis.
What is a family floater, exactly?
One sum insured is shared across everyone named on the policy, rather than each person having a separate limit. It is usually cheaper than buying individual policies for each family member, provided the shared limit is enough for the family's actual needs.
What is a waiting period?
Most health policies do not cover certain conditions — commonly pre-existing conditions, and some specific treatments — for a set period after the policy starts. This is standard across the industry and is disclosed in the policy document.
Does health insurance cover cashless treatment?
Many policies offer cashless treatment at hospitals in the insurer’s network, where the insurer settles the bill directly rather than you paying and claiming it back. Which hospitals are in-network, and under what conditions, varies by insurer and policy.
Which specific policies can I buy through you?
That depends on what is confirmed as available through Bajaj Capital Insurance Broking Limited at the time — get in touch and we will tell you exactly what applies to you right now.
Want To Know What Is Currently Available To You?
Send a message and we will walk you through the options that apply right now.