You need health cover regardless of what you take two at a time - pills or stairs.
  • Bajaj Allianz Health Guard Individual Plan

    Bajaj Allianz Health Insurance

    The Health Guard Individual plan can be taken for individuals or to cover the family as well. 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 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

    Other Health Insurance Plans from Bajaj Allianz

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