Bajaj Allianz Health Guard Policy

What is the Plan all About?

In today’s timing of elevating medical costs, Bajaj Allianz Health Guard policy is an ideal health insurance solution for you and your family. This plan is a perfect health plan to take care of the costly medical treatment taken during hospitalization for a treatment of illness or accidental injuries.

Cover type taken can be an Individual or Family Floater.

Key Features

Cashless treatment at 5000 plus network hospitals
Quick and speedy claim settlement
Avail Family discount of 10%
Pre policy medical check up exempted upto 45 years of insured’s age
No sublimit on Room/ICU Rent
Tax Benefit under section 80D of the Income Tax Act,1961

Policy Benefits

Hospitalization expenses during hospitalization are covered under this plan for a minimum stay of 24 hours.
Pre & Post Hospitalization expenses are covered for 60 and 90 days respectively under this plan.
130 Day care procedures are covered under this plan which may require less than 24 hours of stay in the hospital.
Ambulance service expenses are covered under this plan.

Value Added Benefits

For every claim free year, a cumulative bonus of 10% of the sum insured upto the maximum of 50% of sum insured.
Free Health check-up after every continuous 4 claim free years at empaneled diagnostic centres.
Discounts on Pathologies at select outlets, Radiology at select outlets, on Wellness Test at select outlets, on Pharmacy.
Income Tax benefit under section 80D of Income Tax Act, 1961.

Sub Limits

Co pay applies if the insured person aged 56 years & above. The insured will have to pay 20% of the claim amount under the policy and rest, the company will pay. 10%co-payment is applicable for all claims from a non network hospital.
No Sublimits on room/ICU rent.
Ambulance charges covered upto Rs 1,000 per hospitalization.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: Some treatments as specified in the policy contract are covered after 2 years of continuous policy years.
Pre existing Disease Waiting Period: Any pre-existing ailment is covered after 4 years of continuous policy coverage.
Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it is covered.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Child:3 Months	Adult: 65 Years, Child: 25 Years
Sum Assured	1.5 Lac	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-