What is the Bajaj Life Care Plus Rider?

Bajaj Life Care Plus Rider is a health, fitness and wellness rider that can be added to an eligible Bajaj Life Insurance policy. It provides living benefits such as OPD services, preventive health check-ups, fitness and wellness support and Accidental Total Permanent Disability (ATPD) protection, subject to the policy terms and conditions.

Living benefits are benefits that can be accessed during the policy term rather than only at the time of a claim. Under Bajaj Life Care Plus Rider, these include services such as doctor consultations, diagnostic tests, preventive health check-ups, fitness support, wellness services and care management programmes.

Bajaj Life Care Plus Rider can be purchased with an eligible Bajaj Life Insurance policy, subject to the rider's eligibility conditions, underwriting requirements and applicable policy terms and conditions.

Yes. While health insurance generally focuses on hospitalisation-related expenses, Bajaj Life Care Plus Rider provides access to eligible OPD, fitness and wellness services. It can complement existing health insurance coverage by supporting everyday healthcare and preventive care needs.

OPD stands for Outpatient Department. OPD services refer to medical consultations with a medical practitioner, diagnostic tests and treatments that do not require hospital admission. These services are typically availed on the same day without an overnight hospital stay.

An OPD benefit helps cover eligible outpatient healthcare services that do not require hospitalisation. Depending on the selected variant, Bajaj Life Care Plus Rider may provide access to doctor consultations, lab tests, radiology services, preventive health check-ups and other OPD-related services.

An OPD rider extends coverage beyond hospitalisation-related events by providing access to eligible outpatient healthcare services. It can help policyholders manage routine healthcare needs such as consultations, diagnostics, preventive care and wellness services during the policy term.

OPD refers to outpatient treatment where medical services are available without hospital admission. IPD, or Inpatient Department treatment, involves admission to a hospital for medical treatment and may require an overnight stay or longer.

Yes. Depending on the selected variant, policyholders can access eligible doctor consultations through the designated service network. Services may include teleconsultations and in-clinic consultations, subject to rider policy terms and conditions.

Yes. Bajaj Life Care Plus Rider includes access to preventive health check-ups, subject to the selected variant and applicable benefit limits. These services are designed to support proactive health monitoring and preventive healthcare.

Yes. Eligible OPD services under the Bajaj Life Care Plus Rider are available through the designated service provider network in a cashless mode, subject to the rider policy terms and conditions.

Yes. A waiting period of 30 days applies to OPD benefits from the date of commencement of Bajaj Life Care Plus Rider. However, the ATPD benefit is available from the date of commencement, subject to rider terms and conditions.

Yes. The annual OPD benefit limits available under the selected variant are replenished on every policy anniversary, subject to rider terms and conditions.

Yes. Depending on the selected variant, policyholders may access gym and fitness-related services. These benefits are designed to support healthy lifestyle habits and overall wellness, subject to applicable benefit limits and rider policy terms.

Yes. The rider includes emotional wellness support services under eligible variants. These services are designed to support overall well-being and can be accessed through the designated service network, subject to rider policy terms and conditions.

Yes. Dental consultation benefits are available under prestige and optima variants of Bajaj Life Care Plus Rider. The availability and limits of these services depend on the variant chosen and applicable policy terms.

Depending on eligibility and diagnostic findings, policyholders may access care management services for specific health conditions, including Diabetes Care, Cardiac Care, Thyroid Care and Liver Care, subject to policy terms and conditions.

The Health Coins Wallet is a feature that allows policyholders to accumulate Health Coins through eligible healthy activities and other qualifying benefits. Health Coins can later be redeemed for eligible healthcare services, subject to rider policy terms and conditions.

Health Coins can be earned through eligible healthy activities and from qualifying unused voucher balances. Accumulated Health Coins may be redeemed for eligible doctor consultations, lab services and radiology services, subject to rider policy terms and conditions.

Accidental Total Permanent Disability (ATPD) refers to a total and permanent disability arising from an accident, as defined under the policy. The rider provides a lump sum ATPD benefit if the applicable policy conditions are met.

The ATPD benefit may be claimed if the Life Assured suffers Accidental Total Permanent Disability as defined under the policy during the rider term and all applicable policy conditions are satisfied.

Yes. If ATPD occurs during the premium payment term and the claim is admitted, future premiums for Bajaj Life Care Plus Rider are waived. Applicable benefits continue for the remaining term, subject to rider policy terms and conditions.

Tax benefits may be available under Section and 126 of the Income-tax Act, 2025, subject to prevailing tax laws and applicable conditions.