Bajaj
General Insurance Introduces Fetal Flourish – A Pioneering Fetal Health
Insurance Offering Priced at an Affordable Premium of INR 1025
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Designed for in-utero interventions,
high-risk pregnancies, and advanced fetal procedures
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Covers 16 specialised in-utero interventions
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Applicable for women aged 18–45 years
Pune, 14 January 2026: Bajaj
General Insurance Limited (formerly known as Bajaj Allianz General Insurance
Company Limited), one of India's
leading private general insurers, today unveiled ‘Fetal Flourish’,
a pioneering insurance rider crafted exclusively for fetal health. This unique solution
extends financial support for advanced in-utero procedures and high-risk
pregnancies, an area that has long remained outside the scope of conventional
maternity insurance. The rider is offered along with their flagship products,
“My Health Care Plan” and “Health Guard”.
Fetal Flourish
brings medical expertise and insurance design together to address a critical
need in prenatal care. While maternity products traditionally focus on delivery
and postnatal treatment, this rider centres on the protection of the unborn
child during the most delicate phase, inside the womb.
Addressing a growing need in
maternal and fetal care
As per reports, with about 17%
of women in India giving birth after the age of 35, pregnancy-related
complexities are increasing. At the same time, procedures such as
amniocentesis, fetal reduction, fetoscopic laser surgery, and intrauterine
transfusions have become essential for managing high-risk cases. Until now,
families often bore the full cost of these interventions due to the absence of
a dedicated insurance product.
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| Dr. Tapan Singhel, MD & CEO, Bajaj General Insurance at the launch of Fetal Flourish |
Speaking about the launch, Dr.
Tapan Singhel, MD & CEO, Bajaj General Insurance, said, “Pregnancy
is a deeply personal journey for every family, shaped by hope, anticipation,
and the desire to do what is best for the child. When medical complexities
arise, families face difficult decisions at a very early stage. Advances in
fetal care have made it possible to intervene sooner, but the financial strain
can add to an already challenging experience. With the Fetal Flourish rider, we
have tried to ease this burden by supporting essential procedures, so parents
can focus on treatment and outcomes rather than costs. This offering reflects
our belief that care, and protection should begin at the very earliest stage of
life.”
Coverage highlights
- Up to INR 2 lakh sum insured per
maternity event (first two events)
- Coverage available for two maternity
events under the base Health Indemnity Policy
- Nine-month waiting period from policy
inception
- Eligibility: women aged 18 to 45 years
List of 16 covered
procedures:
Amniocentesis, Chorionic
Villus Sampling, Percutaneous Umbilical Blood Sampling, Fetal Tissue Biopsy,
Amnioinfusion, Amnio-reduction, Thoracoamniotic Shunt for Fetal Pleural
Effusion, Fetoscopy, Fetoscopic Laser Surgery for TTTS, Fetal Reduction,
Surgeries for Neural Tube Defects, Fetal Cystoscopic Surgery, FETO for
Congenital Diaphragmatic Hernia, Amniotic Band Syndrome Surgery, Fetal Aortic
Valvuloplasty, and Intrauterine Transfusion.
A step forward for India’s
maternal care ecosystem
Fetal Flourish brings a new
dimension to prenatal care by integrating insurance with modern fetal treatment
practices. It offers focused coverage for specialised in-utero procedures that
are increasingly shaping clinical management of high-risk pregnancies. With
this launch, Bajaj General Insurance strengthens its commitment to innovation
and care, extending protection to one of the earliest and most sensitive stages
of life.
About Bajaj General
Insurance
Bajaj General Insurance
Limited (formerly known as Bajaj Allianz General Insurance Company Limited) is
one of India’s leading, most trusted and dynamic private general insurance
companies. It is a subsidiary of Bajaj Finserv Limited, India’s leading and
most diversified financial services group.
Bajaj General offers a broad
portfolio of innovative and customer-focused insurance solutions, spanning
motor, health, and home insurance, along with specialised products such as pet
insurance, wedding insurance, event protection, cyber insurance, and rural
insurance. From safeguarding your health and home to protecting your travels
and life’s most important moments, Bajaj General aims to be a constant partner
in your journey. Bajaj General equally offers a comprehensive and a
well-diversified range of products, including fire, marine, engineering,
liability and surety insurance to corporates and SMEs. The company also
participates in various government schemes with a focus on financial inclusion.
The company is also known for its robust risk selection capabilities, digital
adoption and product innovation.
Established in 2001, the
company has grown its footprint to nearly 1,500 towns and cities across India,
ensuring easy access and a close connection to its customers. This access is
enabled through the largest distribution network, spanning across individual
agents, point-of-sales personnel, banks, NBFCs, motor dealers, brokers and the
company’s proprietary sales force.
It holds an [ICRA]AAA rating
from ICRA Limited, reflecting the highest level of confidence in its financial
strength and stability. With a strong legacy, a forward-looking mindset, and an
unwavering focus on its ‘Customer-First’ philosophy, Bajaj General remains
committed to protecting what matters most, empowering individuals, families,
and businesses to live with confidence and peace of mind.
