Launch Overview

On 26 August 2026 in Pune, Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Company Limited) announced the launch of My Family Complete, marketed as India’s first health insurance plan that treats pet dogs and cats as insured family members alongside humans.

Coverage Scope and Core Benefits

The policy covers adults aged 18 years and above, dependent children from three months up to 30 years, and pet dogs or cats from three months of age with no upper age limit. Sum‑insured choices range from INR 5 lakh to INR 5 crore, and policy tenures can be selected for up to five years. Benefits combine indemnity and benefit‑based payouts and include:

  • In‑patient hospitalisation, room‑rent allowance, and pre‑ and post‑hospitalisation expenses.
  • Road‑ambulance services for humans and pet‑ambulance services for animals.
  • Domiciliary (home) care, modern treatment methods, AYUSH hospitalisation for humans, organ‑donor expense reimbursement, and family‑visit reimbursements.
  • Unlimited reinstatement of the sum insured each time it is exhausted, ensuring continuous coverage.
  • Cumulative bonuses up to 100 %, cataract treatment coverage, and a fixed convalescence benefit that pays 1 % of the sum insured if the insured person or pet is hospitalised for an extended stay.

Pet‑Focused Add‑Ons

Specific pet benefits comprise reimbursement for advertising and rewards if a pet is lost, emergency pet accommodation during the policy‑holder’s hospitalisation, and third‑party liability cover for injury, death, or property damage caused by the insured pet.

Optional Riders and Customisable Enhancements

Policy‑holders may augment the base cover with a suite of optional riders, such as:

  • Air Ambulance cover for both humans and pets.
  • Major Illness and Accident Multiplier and Double Sum Insured Benefit for heightened protection.
  • Bundle of Joy benefit, providing a lump‑sum payout on the birth of a child or a pet litter.
  • Global Cover for planned and emergency hospitalisation abroad.
  • Consumables Plus to reduce out‑of‑pocket expenses on medical consumables.
  • Health Limitless, allowing one claim without annual limits.
  • NRInsure for NRIs and OCIs, offering premium discounts and “walk‑to‑win” renewal discounts tied to step‑count goals.
  • Pet‑specific riders like Paw Promise (financial support for adopting a new pet after loss), Extended Pet Stay, and Long‑Term Care for chronic pet conditions.

Discounts are available across family policies, long‑term policies, and loyalty benefits, enhancing affordability.

Executive Commentary

Dr. Tapan Singhel, MD & CEO of Bajaj General Insurance, stated that pets are increasingly regarded as family members and that the new product responds to the need for inclusive health protection. He emphasized that the plan aligns insurance with contemporary family structures, offering comprehensive health protection for both humans and pets.

Company Background

Bajaj General Insurance Limited is a leading private general insurer and a subsidiary of Bajaj Finserv Limited, a diversified financial services group. Established in 2001, the insurer operates in roughly 1,500 towns and cities across India through a vast distribution network that includes agents, point‑of‑sale personnel, banks, NBFCs, motor dealers, brokers, and its own sales force. The company offers a broad portfolio covering motor, health, home, fire, marine, engineering, liability, and surety insurance, as well as niche products such as pet, wedding, event, cyber, and rural insurance. It holds an ICRA AAA rating, reflecting strong financial strength.

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