Bajaj Allianz Health Guard Individual Plan

The Health Guard Individual plan can be taken for individuals or It offers a wealth of benefits and even some special discounts.

Features & Benefits - Bajaj Allianz Health Guard Individual:

Entry Age 18 years to 65 years. Children of the ages of 3 months to 25 years can also be covered under this policy
Basis Individual / Family floater
Policy Period 1 year with a grace period of 30 days
Renewability Lifelong
Medicals Mandatory for policyholders above the age of 46 years
Sum Insured Ranges from Rs. 1.5 lakhs to Rs. 10 lakhs
Discount
  • 10% discount if families are also covered by the policy
  • 10% cumulative bonus for claim-free years
Co-Payments
  • 10% of expenses if treatment was done in a non-network hospital
  • 20% co-payment will be applicable if the insured is above the age of 56 years.
Coverage
  • Pre-hospitalisation expense of up to 60 days prior to hospitalisation will be covered
  • Post-hospitalisation expenses of up to 90 days following hospitalisation will be covered
  • Expenses for hospitalisation in a non-network hospital will be eligible for reimbursements
  • Ambulance charges are also covered up to Rs. 1,000
  • Up to 130 day care procedures will be covered by the policy
  • Pre-existing conditions will be covered after a period of 48 months
  • For certain diseases like ulcers, hernia, endometriosis etc. the waiting period will be 2 years
  • Only accidental injuries will be covered in the first 30 days of the policy
Benefits
  • 100% cost of medicals prior to taking the policy will be paid for by the company
  • At the end of 4 claim-free years, policyholders can avail a free health check-up specified diagnostic centres
  • Free look period of 15 days
  • Premiums paid are eligible for tax benefits under section 80D of the IT Act
  • Premiums are not increased in the years following a claim
  • The sum insured can be increased at the time of renewing the policy
  • The portability options offer the benefits of transferring health insurance to Bajaj Allianz without loss of accrued benefits
  • The health insurance policy also offers a voluntary deductible option for which you get a corresponding discount in the premiums
Exclusions
  • Treatment for self-inflicted injuries will be excluded
  • Hospitalisation for the purpose of diagnostics
  • Donor treatment for the purpose of organ transplants
  • Hospitalisation due to acts of war or exposure to nuclear, biological or radiation hazards
  • Medical expense when hospitalisation is not required
  • Experimental treatments or treatments that are not allopathic
  • Treatment for mental disorders

Find cashless network hospitals nearby: BAJAJ Allianz Health Insurance Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Also Read: How to File a Claim with Bajaj Allianz?

Other Health Insurance Plans from Bajaj Allianz

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

Health Insurance by Insurers
Government Schemes
Types of Health Insurance Policies:
Popular Health Insurance Reads

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Resources
Health Insurance Related Reads
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.