Bajaj Allianz Health Guard Family Floater Plan

The Health Guard Family Floater plan come with a host of benefits that range from pre and post hospitalisation cover to offering attractive discounts on OPD services.

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Features & Benefits - Bajaj Allianz Health Guard Family Floater

Entry Age	18 years to 65 years for spouse and parents. Children of the ages of 3 months to 25 years can also be covered under this policy
Basis	Family floater
Policy Period	1 year with a grace period of 30 days
Renewability	Lifelong
Medicals	Up to the age of 45 years no medicals are needed. They are mandatory for policy holders above the age of 46 years
Sum Insured	The sum insured can range from Rs. 1.5 lakhs to Rs. 10 lakhs.
Discount	Holding a Bajaj Allianz policy can save you as much 30% on expenses related to OPD, pathology, radiology, wellness tests etc.
Co-Payments	10% co-payment will be applicable in case treatment is sought in a non-network hospital 20% co-payment will be applicable in case the policy has been taken for the first time by someone above the age of 56 years
Coverage	Cover can be taken for self, spouse, dependent children and parents (for whom a separate policy will be issued) Pre-existing conditions will be covered after a waiting period of 4 years For certain pre-existing conditions like surgery for skin ailments, endometriosis, cataract etc. the waiting period is 2 years All hospital expenses will be covered under this policy Pre-hospitalisation expenses incurred up to 60 days before hospitalisation will be covered Expenses incurred up to 90 days after hospitalisation will also be covered under this policy Ambulance charges of up to Rs. 1,000 per hospitalisation will be covered It will also cover up to 130 day care procedures
Benefits	At the end of every 4 claim-free years the policy will provide for a free medical check-up Every claim-free year will add a cumulative bonus of 10% to the limit of indemnity If the policy is issued then 100% of the pre-policy medical check-up expense will be reimbursed It offers reimbursement of medical expenses if hospitalisation happens in a non-network hospital Premiums paid towards this policy are eligible for tax benefits under section 80D The premiums will not be increased in the years following claims The policy also offers voluntary deductible options that can translate into discounts on premiums
Exclusions	Cosmetic surgery unless it is necessitated by cancer, burns or any other injury Dental treatments or surgery intentional injury to self which includes substance abuse like alcohol Conditions arising as a result of HIV/AIDS Hospitalisation for the purpose of diagnostic tests Treatments that are non-allopathic, experimental or unproven