Bajaj Allianz Health Guard Plan: Comprehensive Benefit

Why Choose Bajaj Allianz Health Guard Plan

An indemnity-based medical insurance policy, Health-Guard Family Floater Policy from Bajaj Allianz General Insurance covers a wide range of healthcare costs. In the event of a serious illness or accident, this policy covers medical treatment expenses incurred during hospitalization. Insured sums range from Rs. 1.5 Lakh to Rs. 1 Crore, with three variants available for your choice. A variety of coverage benefits, as well as sum insured options, are available with Silver, Gold, and Platinum variants.

If they are 18 years of age and older, you can also cover your parents, sister, brother, parents-in-law, aunt, uncle, and legally wedded spouse as well. Buying this policy for the long term is recommended so that you do not have to renew it again and again. You can choose to buy it for one year, two years, or three years. Under this policy, you may be covered for in-patient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, home hospitalization expenses, road ambulance expenses, and organ donation expenses. If something goes wrong, this policy relieves your stress about having enough money for treatment.

Key Features of Bajaj Allianz Health Guard Plan

There is an entry age of 18 to 65 for health insurance coverage
There is no minimum entry age for children, but it ranges from 3 months to 30 years
Up to 45 years of age, no pre-medical tests are required
The discount is 10% for the first two members of a family and 15% for the third member
In the first two years of the policy, the discount is 4%, and in the third year, the discount is 8%
Discounts of up to 20% on co-payments
An annual convalescence benefit of up to Rs. 7500
Renewal option for life
Every three years, free preventative health checkups
Benefits include daily cash and health care coverage (please refer to policy documents for more details).
Option for extended family coverage, including children, grandchildren, grandparents, and in-laws
It is possible to insure up to Rs. 50 lakh as a minimum and up to Rs. 1.5 lakh as a maximum.
You can save up to Rs. 60,000 in taxes under Sec 80/D.

Inclusions of plan	Explanation
Pre/Post hospitalisation	Expenses incurred before and after hospitalization (90 days after and 60 days before)
Policy term option	A policy can be purchased for one, two, or three years
Organ donation expenses	The cost of organ donation is covered
Bariatric surgery	Coverage for bariatric surgery (after a waiting period of three years)
Maternity cover	The first 6 years of the child's life are covered by maternity and newborn baby insurance
Ayurvedic treatment	Homeopathic and Ayurvedic treatments are covered
Cashless claims	Approximately 5700 network hospitals across India provide cashless claims (subject to policy conditions)
Ambulance charges	Each policy year covers ambulance expenses up to Rs. 20000
Reimbursement	Insured sum reinstituted
Day care expenses	Compensation is provided for all daycare expenses

The Bajaj Allianz Individual Health Guard Insurance Plan excludes the following coverages

Medical expenses not covered by the insurer include:

In the first 30 days after inception, any disease or illness diagnosed
There is a two-year waiting period for certain specified diseases like cataracts, hernias, etc., otherwise, treatment expenses will not be reimbursed
There is a 3-year waiting period before pre-existing diseases will be covered
A waiting period of three years applies to treatment for prolapsed intervertebral discs and joint replacements
Health insurance policies from Bajaj Allianz do not cover illnesses caused by drug overdose, alcohol consumption, and intoxication.

FAQ

In what way does health guard policy differ from other policies?

This policy offers a comprehensive range of benefits, allowing you to cover larger expenses associated with illness and surgery. The Health Guard plan from Bajaj Allianz caters to all of your health care requirements.

The health guard treatment consists of what?

The Healthguard has been treated with anti-microbial, anti-bed bugs, anti-dust mites, and anti-bacterial. Mites are driven away from treated areas by the treatment, which acts as a repellent. As a result, yeast, mould, and bacteria are inhibited from growing. In addition to being completely safe, odorless, and non-irritating, Healthguard is also completely non-toxic.

Health guards must be at least 18 years old?

A minimum age of 18 years and a maximum age of 65 years is required. It is required that dependent children or grandchildren are between the ages of three months and thirty years.

How do the Gold and Platinum versions of health Guard differ?

In the case of pre-existing diseases, waiting periods are as follows:
A waiting period of 3 years is imposed on pre-existing conditions under Health Guard Gold and 4 years is imposed on existing conditions under Individual Platinum Plan.

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