Bajaj Allianz Health Guard Individual Plan

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.

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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