You need health cover regardless of what you take two at a time - pills or stairs.

Bajaj Allianz Health Guard Individual Plan

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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
  • 10% discount if families are also covered by the policy
  • 10% cumulative bonus for claim-free years
  • 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.
  • 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
  • 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
  • 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

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.

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