Health Guard Plan
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Bajaj Allianz Health Guard

Your and your family's health is a priority!!!!! But a sudden illness or accident can put a stop to the way you are living your life and eat all your savings during hospitalization. So, Bajaj Allianz Health Guard is an ideal plan to solve all your financial problems on a go.

Bajaj Allianz Health Guard is comprehensive health insurance offered by Bajaj Allianz Health Insurance that is specifically designed to cater to health care needs and takes care of all the expenses incurred on treatment during hospitalization. It offers coverage against all expenses incurred by the policyholder in hospitalization due to serious illness or accident. The uniqueness of this scheme is that it offers total coverage at an affordable premium price. This plan makes you forget about the treatment costs and divert your focus only on the treatment and the health of your family. This policy can be purchased individually or on a family floater basis. There are three variants of this plan- silver, Gold, and Platinum. Platinum Plan was recently introduced under the Bajaj Allianz Family Health Insurance Health-Guard plan.

What are the Key Features of the Bajaj Allianz Health Guard Plan?

Bajaj Allianz is a trustworthy insurance company among customers and provides the best products and services. It offers several plans, but what plans to choose is a big question here. Health-Guard is an ideal and best health insurance plan offered by Bajaj Allianz that provides coverage to you and your family against hospitalization. Let's discuss some of the prominent key features of this plan to lead your life financially secure,

  1. Cumulative Bonus-

    If you renew your health guard without any break and do not file any claim for the previous year, the basic sum insured will increase by 10%. This feature is offered for ten policy years.

  2. Platinum Plan

    Bajaj Allianz Family Health Insurance introduced a new plan variant i.e., the platinum plan that offers a super cumulative bonus of 50% per claim free year.

  3. Grace Period

    If the premium is not paid within the given period, the policyholder will be provided a grace period of 15 days.

  4. Free Look Period

    If the policyholder is not satisfied with the terms and conditions of the policy, the plan can be terminated within 15 days of the purchase. However, the policyholder should not have filed any claims during this period.

  5. Discounts

    Under this scheme, a 10% discount is offered if coverage is provided to two family members. Also, if more than two people are covered, a 15% discount will be given.

  6. Waiting period

    The scheme has a waiting period of 30 days. There is also a waiting period of 36 months for the treatment of pre-existing diseases.

  7. Medical examinations are not required

    No medical examination is needed until the age of 45 years to purchase the policy.

What are the Eligibility criteria of Bajaj Allianz Health-Guard?

Entry Age Adults: 18 years- 65 years
For dependent children: 3 months- 30 years
Sum Insured Health-Guard Silver: 1.5 & 2 lakhs
Health-Guard Gold: 3-50 lakhs
Restoration Lifetime
Policy Term 1/2/3 years
Family members who can avail coverage under this policy Self, spouse, dependent children, parents, in-laws, among others
Plan Variants Silver and Gold Plan
Premium payment frequency Annually/half-yearly/quarterly/monthly

**Last Updated on 26-04-2021

What are the Key Benefits of the Bajaj Allianz Health Guard Plan?

  1. In-patient hospitalization

    If the policyholder is hospitalized due to an illness or accident, coverage is available for the following-

    • Boarding, room, and nursing expenses are paid at the rate of 1% of the sum insured per day or actual, whichever is lower.
    • Comprehensive coverage is provided for ICU treatment.
    • Coverage for the anaesthetist, surgeon, medical practitioner, consultant, and specialist fees. Provides comprehensive coverage for blood, anaesthesia, oxygen, operating theatre costs, surgical costs, medications, dialysis, chemotherapy, radiotherapy, prosthetic implants, pacemaker, orthopaedic implants, laboratory tests, X-ray, and other expenses.
  2. Pre-hospitalization expenses:

    The scheme provides coverage for medical expenses up to 60 days before the policyholder is admitted to the hospital.

  3. Post-hospitalization expenses:

    The scheme provides coverage for medical expenses up to 90 days after the policyholder is discharged from the hospital.

  4. Ambulance expenses:

    If an ambulance is needed during a medical emergency, the plan provides coverage up to Rs.20,000/year will be paid for ambulance expenses.

  5. Daycare treatment:

    Provides coverage for daycare treatment procedures listed in the policy.

  6. Organ donor costs:

    The scheme provides coverage for expenses related to organ transplants.

  7. Convalescence benefit:

    If the policyholder is hospitalized for more than 10 days due to illness/disease/injury, Rs. 5000/year will be paid under this scheme.

  8. Daily cash benefit:

    If the insured child (under 12 years of age) stays in the hospital, a daily cash benefit (Rs.500 up to 10 days) is provided for accommodation expenses to the parent or legal guardian accompanying the child. This feature is available once per policy year.

  9. Preventive health check-up:

    Avail of a free health check-up once every three policy years. The policyholder and his/her spouse can avail of free health check-ups only on a floater sum insured basis.

  10. Hospitalization costs for Ayurveda/Homeopathy:

    This scheme provides coverage for Ayurveda/Homeopathy treatments. However, for this, you have to stay in the hospital for at least 24 hours, and the hospital has to be accredited by the government.
    Costs covered under this scheme-

    • Room rental, boarding costs
    • Nursing care
    • Consultation fees
    • Drugs and medicines
  11. Maternity costs:

    Coverage is provided for a maximum of 2 deliveries under this scheme. Coverage under this scheme is provided for all expenses related to childbirth, including cesarean. Similarly, prenatal and postnatal costs are covered under this scheme. However, there is a waiting period of up to 72 months from the policy's date of purchase.

  12. Bariatric surgery:

    The policyholder must be over 18 years of age to receive coverage for this surgical treatment.

Coverages under Bajaj Allianz Health-Guard Silver and Gold

Factors Silver Gold
In-patient Hospitalization This benefit covers the expenses incurred on medical treatment such as ICU charges, medical practitioner, specialist fee, and surgeon fee, room and nursing expenses.
Pre Hospitalization Provides coverage on medical expenses for 60 days before hospitalization
Post Hospitalization Provides coverage on medical expenses for 90 days before hospitalization
Road Ambulance Maximum of Rs. 20,000/- per policy year incurred on an ambulance.
Day Care Treatments Available
Organ Donor Expenses Available
Convalescence Benefit Rs. 5,000 per policy year Rs. 5,000 for Sum Insured up to Rs. 5 lakh
Rs 7,500 for Sum Insured up to Rs.7.5 Lakh
Daily Cash Benefit Rs. 500 per day maximum up to 10 days during each policy year
Preventive Health Checkup Free medical health check-up for every continuous period of 3 years
AYUSH/Homeopathic TreatmentsNA If you are hospitalized for not less than 24 hours in an Ayurvedic/Homeopathic hospital, then the insurer will pay the expenses incurred on treatment.
Maternity Expenses NA This plan covers the medical expenses for the delivery of a baby including cesarean.
New Born Baby Cover NA Provides coverage for medical expenses towards the treatment of your newborn baby

**Last Updated on 26-04-2021

Sub-limits under Bajaj Allianz Health-Guard Silver and Gold

Factors Silver Gold
Room Rent Room Rent limited to max 1 % per day of Sum insured
Cataract 20% of Sum Insured per eye 20% of Sum Insured maximum up to Rs. 1Lakh
Mental illness 25% of Sum Insured or 2 Lakh whichever is lower
Modern Treatment Methods and Advancements in Technologies 50% of Sum Insured or 5 lakhs whichever is lower
Maternity Expenses- For normal delivery - From 3 lakhs-7.5 lakhs, sub-limit is of Rs. 15,000.
For cesarean - From 10 lakhs-50 lakhs, sub-limit is of Rs. 25,000

**Last Updated on 26-04-2021

Sample Premium Rates of Bajaj Allianz Health-Guard

As we have discussed above that the plan is available in three variants: Silver, Gold, and Platinum. Let's understand every plan in detail for your quick and smooth decision.

Sample Premium Rates of Gold Plan

This table illustrates the premium amount payable by individuals at different ages under the Gold plan for Sum Insured Rs. 5 Lakhs.

Age The premium for Gold (in Rs)
30 6764
40 8132
50 12806

**Last Updated on 26-04-2021

Premiums for Health-Guard Gold Plan

Premiums for Health Guard Plan

Here, the graph states that both the plan variants are ideal for you and your family but the selection depends on your requirements such as the high sum insured amount or low premium amount. The premium is increasing with age because of certain factors such as medical conditions, smoking habits, lifestyle, pre-existing illnesses, etc. The premium amount for the platinum plan is high in comparison to the Gold plan variant at the age of 30 years. So go through it carefully and choose your plan wisely.

As we have discussed above, the Platinum plan was recently introduced by Bajaj Allianz under the Health-Guard Plan, so not much information about the platinum plan is available in the company's brochure. But they have provided the premium rates of this plan variant. Above, we have compared the premium rates of Gold and platinum for Individual plans. This is the ideal plan for the family that offers a super cumulative bonus of 50% per claim year. So let's now compare the Fold and Platinum plan.

Gold Vs. Platinum - Comparison of Sample Rates of Premium

This table illustrates the premium payable by family assuming the age to be Self: 30 years, Spouse - 28 years and 2 children - 5 & 10 years under Health-Guard flor Sum Insured 5 Lakhs

Policy Premium Premiums for Gold (in Rs.) Premiums for Platinum (in Rs.)
1 year 10,830 12,046
2 year 20,794 23,129
3 year 30,519 34,052

**Last Updated on 26-04-2021

Premiums for Health Guard Gold and Platinum Plans

Premiums for Health Guard Gold and Platinum Plans

Sample Premium Rates of Silver Plan

Now, let's discuss the silver plans whose premium amounts are categorized into two zones,

Zone A - This includes Delhi/NCR, Mumbai, Bangalore, Kolkata, Ahmedabad, Surat, and Vadodara.

Zone B - This involves the rest of India apart from Zone A cities.

We have segregated the premium amount to be payable by an individual for the Zone A region at the different sum insured options. Let's now explore the graph,

Age SI- 150000 SI- 200000
30 3637 4084
40 4383 4921
50 6639 7454

**Last Updated on 26-04-2021

Premiums for Health-Guard Silver Plan

Premiums for Health-Guard Silver Plan

What are the Exclusions under the Bajaj Allianz Health Guard Plan?

The major exclusions are as follows-

  • Zero coverage for cosmetic surgery, dental implant, and other dental treatments. However, the plan offers coverage for dental treatments required due to accidents.
  • No coverage for wounds caused by war, riots, invasions, foreign enemy actions, hostility, and military action.
  • Does not provide coverage for losses incurred due to participation in illegal activities.
  • Attempt to suicide.
  • Use of alcohol or drugs.
  • HIV/AIDS
  • Infertility and in-vitro fertilization.

How to buy a Bajaj Allianz Health Guard plan?

Here is a simple process of buying a Health Guard plan online. Let's take a look at it.

From Bajaj Allianz's Website

  • Visit the official website of Bajaj Allianz and click on 'Buy Now' under 'Now buy health insurance.
  • Fill in the details and check the premium details.
  • Pay the premium via available payment options.
  • Once the payment is done, the policy will be sent to your registered email id.

Note- You can also contact the nearest Bajaj Allianz branch to purchase this policy.

For more information about this plan, please get in touch with the customer care team of PolicyX.com at 1800-4200-269.

What is the claim process of the Bajaj Allianz Health Guard Plan?

Bajaj Allianz Insurance offers two types of claim processes for the convenience of its customers. They are as follows-

  • Cashless Claim
  • Reimbursement Claim

Cashless claim

The policyholder has to seek treatment at the insurance company's network hospital to avail of the cashless treatment facility. This process is described below-

  • Inform the company about the treatment and show your cashless card at the hospital insurance desk.
  • Complete the pre-authorization form available at the hospital insurance desk/Bajaj's website.
  • The hospital sends this form to the insurance company.
  • A letter of approval/rejection will be sent to the hospital from the claim management team of Bajaj Allianz General Insurance, and the policyholder will be informed of the matter.
  • On approval, after the treatment, the company pays the hospital bills directly.

Reimbursement Claim

  • If you are admitted to a non-network hospital, you will have to pay for the treatment.
  • After discharge, download the claim form from the company's official website or get it from the nearest branch of the company.
  • Submit the required documents along with the form to the company.
  • The company's claim team will review the claim details.
  • If the claim is approved, the company will transfer the funds directly to the registered bank account.

Bajaj Allianz Important Links


FAQs

1. What is the Copay discount under the policy?

If a co-pay has opted voluntarily, an individual can avail of an additional 10% or 20% off on the policy premium.

2. Does an employee of Bajaj Allianz get a discount on buying Health-Guard?

Yes, 20% off on premium can be availed if the policy is booked indirect office.

3. How do I cancel my Bajaj Allianz Health Guard Policy?

Bajaj Allianz offers a free look period to its customers. If you do not like the policy's terms, you can cancel the policy within 15 days.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (28 Total Rating)

September 9, 2021

Mehak Dua

Belgaum

quick service. in fact the agent was very thorough with processing my documents...renewal was done swiftly

September 9, 2021

Kunal Deshmukh

Meerut

The help I receievd at bajal allianz was so good...i mean i went expecting not a lot but the discussion was amazing...also bought a plan for my children

September 9, 2021

Bhargav Dua

Indore

Really top class support received...i gave the agent a budget estimation and he provided me good plan options...Happy with my health plan!

September 9, 2021

Rishiraj Bharti

Mysore

the buying process was easy...really hoping claims will be as easy too when the time comes...overall happy

September 7, 2021

fardin

Pune

Didn t think much about insurance before. However my wife had a health plan from Bajaj which literally saved us from hospital bills. so grateful

Last updated on 26-04-2021

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