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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioHealth insurance is a rapidly developing world in India. People are currently demanding convenient and reliable plans to suit their personal needs. Bajaj Allianz Health Insurance M-Care Policy is unique in the sense that it covers diseases that are otherwise not covered by other policies, especially the vector-borne diseases like dengue and malaria. With the new health challenges and increased awareness in 2025, this policy has attracted much attention due to its specific benefits and simple-to-understand format.
This article will reveal a detailed overview of the Bajaj Allianz M-Care Policy. We discuss its coverage plans, premium rates, claim procedure, significant advantages and disadvantages, and many others. This guide will assist you in making an informed decision whether you are a first time buyer of health insurance, or you are seeking supplemental cover to an existing plan.
Bajaj Allianz Health Insurance M Care Policy is a specialised health insurance product which is aimed to offer financial assistance in case you or your covered family member is hospitalised due to some specified vector-borne diseases. It is available as a separate plan or as a supplement to your current health care insurance.
The popularity of this plan is due to the increasing number of vector-borne diseases in most regions of India. The policy provides a lump sum payment in the event of diagnosis and hospitalization, which can easily help the policyholder in case of sudden medical costs.
Insider Tip: Insurance advisors in 2025 recommend a small cover on critical illnesses especially during the time when outbreaks have been reported in cities.
Some of the main features and benefits of a health plan should be taken into account when choosing it. The following are some of the features of the Bajaj Allianz M Care Policy:
| Feature | Details (2025 Data) |
|---|---|
| Minimum Entry Age | 18 years (proposer) |
| Maximum Entry Age | 65 years (family) |
| Renewability | Lifelong |
| No Claim Bonus | Up to 20% additional sum insured per claim-free year |
| Claim Settlement Ratio | 98.5% (as reported in 2024) |
Did You Know?
Lump sum benefit implies that you receive the full amount of the insurance as soon as your claim is accepted. It does not require the submission of all original bills or receipts as is the case with standard health reimbursement.
This is a targeted insurance on some diseases that may be transmitted by mosquito or insect bite.
In case you are diagnosed and hospitalised due to any of these, you will get the full sum insured. The payout may be utilized in:
Some diseases must be hospitalised at least 24 hours to qualify to claim.
Although the M-Care policy is a good cover, not every situation is covered. These are typical exclusions:
People Also Ask:
Q: Can I claim Bajaj Allianz M-Care Policy twice a year?
A: Yes, but to a maximum sum insured limit as shown in your policy.
A clear understanding of strengths and limitations can make better decisions.
Did You Know?
According to many experts, in 2025, the best premium-risk balance will be achieved by a combination of a basic health plan and a vector-borne disease cover such as M-Care.
Wondering whether to get a full health insurance cover or just an M-Care cover? To bring out the difference, here is a simple analogy:
| Bajaj Allianz M-Care Policy | Standard Health Insurance Plan | |
|---|---|---|
| Coverage | Specific diseases (7 types) | Wide range of illnesses, surgeries, COVID-19, accidents |
| Hospitalization Term | Lump sum on diagnosis & 24+ hrs stay | Reimbursement of actual bill on treatment |
| Sum Insured (max) | Up to ₹75,000 | Up to ₹1 crore or more |
| Premium (per year) | Starts from ₹100 | Starts from ₹4,500 |
| Medical Check-up | Not Required | Often required for >45 years |
| Waiting Period | 15 days | Typically 30 days or more |
| Renewal | Lifelong | Lifelong |
People Also Ask:
Q: Is it possible to have a mediclaim policy and an M-Care policy with Bajaj Allianz?
A: Yes, you may choose to do both. M-Care is an add on or supplementary cover.
The Bajaj Allianz M Care Policy has one of the lowest premiums in the health insurance sector, primarily because of its limited scope.
| Insured Person(s) | Sum Insured | Yearly Premium |
|---|---|---|
| Individual (25 yrs) | ₹25,000 | ₹185 |
| 3-member family | 50,000 | 510 |
| Senior Citizen (60 yrs) | ₹25,000 | ₹290 |
These are indicative rates. The premiums can be slightly different depending on the age, place of residence and the kind of plan.
Trusted online marketplaces can also be used to compare similar covers of vector-borne diseases offered by different companies in one place, thus getting the best value and features within your budget and needs.
Did You Know?
Online sales of special risk covers such as M-Care increased by 40 per cent year-on-year in 2025 according to IRDAI surveys.
Knowledge of the claim process simplifies life in a time of crisis. In the case of M-Care Policy, it is made very simple.
Tips
People Also Ask:
Q: What is the settlement period of the claim in Bajaj Allianz M-Care Policy?
A: Most of the claims are settled within 7 working days after all the required documents have been submitted.
Anita resides in the suburbs of Mumbai with her two children. Her 11-year-old daughter was admitted to the hospital in the monsoon of 2024 with severe dengue. The estimated hospital bills were estimated to be 45,000, but Anita had bought an M-Care Policy of 50,000. The entire lump-sum amount was paid to her in a week and she used the money to cover the entire treatment and medicines and some of it on nutrition after recovery. Anita told me that the fast payout meant she did not have to borrow or use savings during a difficult period.
On the safe side, the professionals recommend:
Q: Can Bajaj Allianz M-Care Policy be obtained by children?
A: Yes, dependent children as young as 6 months are covered.
Q: What are the documents of claim approval?
A: Discharge summary, diagnostic lab reports, claim form and ID proof.
Q: Is the number of hospitalizations per year limited?
A: Several claims within the limit of sum insured.
Q: Is the policy renewable?
A: Yes, it is lifetime renewable.
Q: Is online buying safe and valid?
A: Yes, the sites of well-known insurance companies and the government-approved marketplaces are secure to buy and renew the policy.
| Aspect | Details |
|---|---|
| Coverage | 7 vector-borne diseases |
| Sum Insured | 10,000 to 75,000 |
| Premium Range | Starts at 100 rupees |
| Waiting Period | 15 days |
| Age Limit | 6 months (child) to 65 years (adults) |
| Renewability | Lifelong |
| Claim Settlement | Lump sum |
| Tax Benefit | Yes, in Section 80D |
| Policy Period | 1 year (renewable) |
In 2025, choosing the Bajaj Allianz Health Insurance M-Care Policy may be a good decision in case one wants to have a narrow, inexpensive, and fast financial assistance in the event of a vector-borne illness. It is a priceless addition to a basic health insurance policy to those who are at high risk, or those with small children and aged parents. Assess the health risks of your family, compare online, and remain guarded against seasonal diseases.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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