Bajaj Allianz Health Guard Plan

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Bajaj Allianz Health Guard Plan?

Under Bajaj Allianz Health Guard Silver Plan, the room rent is covered up to 1% of the SI.

Under Bajaj Allianz Health Guard Gold and Platinum Plan, the Single Private A/C Room is provided to the policyholder

Under Bajaj Allianz Health Guard Plan, the policyholder is eligible for any room category.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Bajaj Allianz Health Guard Plan?

Under this plan, ICU charges coverage is not available.

Under this plan company will pay up to actual ICU expenses provided by Hospital.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Bajaj Allianz Health Guard Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Bajaj Allianz Health Guard Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Bajaj Allianz Health Guard Plan?

Under Bajaj Allianz Health Guard Plan, domiciliary hospitalizations are not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Bajaj Allianz Health Guard Plan?

This plan covers expenses of all daycare procedures including 400 listed procedures.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Bajaj Allianz Health Guard Plan?

Not covered under the plan.

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Bajaj Allianz Health Guard Plan?

Covid-19 Covered.

A common eye condition in which your vision gets blurred.

Coverage status under Bajaj Allianz Health Guard Plan?

Under the Bajaj Allianz Health Guard Plan, Cataract treatment is covered, 20% of Sum Insured for each eye up to maximum INR 1 Lac.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Bajaj Allianz Health Guard Plan?

The plan offers an additional 10% to the sum insured as a No Claim Bonus for each claim-free year, a maximum of up to 50% of the sum insured.

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Bajaj Allianz Health Guard Plan?

This plan does not offer an Automatic Restoration feature.

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Bajaj Allianz Health Guard Plan?

Under the plan, Organ Donor expenses are covered.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under Bajaj Allianz Health Guard Plan?

Not available

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Bajaj Allianz Health Guard Plan?

This plan covers Ambulance charges up to INR 20000.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Bajaj Allianz Health Guard Plan?

Not covered

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Bajaj Allianz Health Guard Plan?

Not Available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Bajaj Allianz Health Guard Plan?

Not Covered

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Bajaj Allianz Health Guard Plan?

Not Covered

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Bajaj Allianz Health Guard Plan?

Not covered

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Bajaj Allianz Health Guard Plan?

Co-payment is applicable according to the zone you live in which is up to 15%.