Bajaj
General Health Guard (Gold)
Plan & insurer snapshot
✅ Claims (No.)
93.49%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
5.68%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
18,400+
Reported size of network hospitals.
💬 Complaints
0.03%
Complaint incidence on claims experience.
✨ Expert Verdict
General Health Guard (Gold) is a health insurance plan from Bajaj. Review policy wording and add-on details before final purchase.
Pros
- No room rent cap for standard hospitalization.Standout
- No co-pay requirement under base policy.
- Refill benefit available (Once in a policy year).
- Modern treatment procedures are covered.
- Day-care procedures are included in coverage.
Cons
- Disease-wise sub-limits apply on select treatments.
- Premium positioning is on the expensive side.
Key Features
Room Rent
No limit
Co-Pay
No
Disease Sub-limit
Yes
Pre-Hospitalisation
30 days (Covered up to: sum insured)
Post-Hospitalisation
90 days (Covered up to: sum insured)
Refill Trigger
Full exhaustion of Sum Insured & Bonus
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
2
Pre-existing Disease Waiting
3