Network hospitals
18400+
Incurred claim ratio
74.27%
Sum insured
Up to 25 CR
No. of Plans
23
Solvency Ratio
3.6
Pan India Presence
240
Network hospitals
18400+
Incurred claim ratio
74.27%
Sum insured
Up to 25 CR
No. of Plans
23
Solvency Ratio
3.6
Pan India Presence
240
Bajaj Allianz Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses related to Illness/surgery. Bajaj Allianz Health Guard policy is designed to suit all health care needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident.
This policy can be purchased individually or on a family floater basis. There are three variants available of Bajaj Allianz Health Guard Policy- Silver, Gold, and Platinum.
Bajaj Allianz Health Insurance
Bajaj Allianz Health Insurance Plan 2024
91 days to 30 years
Adult: 18 Years, Maximum: 65 Years
Individual / Family Floater
1 / 2 / 3 year
1.5 L | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 40 L | 45 L | 50 L | 75 L | 1Cr
30 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options, Bajaj Allianz Health plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: 1.5L-2L
Room Rent
1% of SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
400 listed procedures
OPD Charges
Not covered
COVID-19 Treatment
Covered
Cataract
Upto 20% of SI
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Available
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Not Available
IVF Treatment
Not Available
Modern Treatment
Upto 50% of SI
Ambulance
Covered upto 20K per policy year
Air Ambulance
Not Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Available
Co-payment
Applicable
Sub-limits
Not Available
Coverage for SI: 3L-10L
Room Rent
Available
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
400 listed procedures
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
20% of SI up to INR 1 lakh
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Available
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Upto 50% of SI
Ambulance
Covered upto 20K per policy year
Air Ambulance
Not Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Available
Co-payment
Applicable
Sub-limits
Not Available
Coverage for SI: 15L-50L
Room Rent
Available
ICU Charges
Available
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
400 listed procedures
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
20% of SI up to INR 1 lakh
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Available
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Upto 50% of SI
Ambulance
Covered upto 20K per policy year
Air Ambulance
Not Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Available
Co-payment
Applicable
Sub-limits
Not Available
Coverage for SI: 50L-75L
Room Rent
Available
ICU Charges
Available
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
400 listed procedures
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
20% of SI up to INR 1 lakh
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Available
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Upto 50% of SI
Ambulance
Covered upto 20K per policy year
Air Ambulance
Not Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Available
Co-payment
Applicable
Sub-limits
Not Available
Coverage for SI: 1Cr
Room Rent
Available
ICU Charges
Available
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
400 listed procedures
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
20% of SI up to INR 1 lakh
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Available
Maternity Cover
Available
New Born Baby Cover
Available
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
Upto 50% of SI
Ambulance
Covered upto 20K per policy year
Air Ambulance
Not Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Available
Co-payment
Applicable
Sub-limits
Not Available
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:
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.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Bajaj Allianz Health Guard Plan?
The plan offers Daily Cash benefits for Accompanying an Insured Child. Daily Cash Benefit of Rs. 500 per day maximum up to 10 days during each policy year.
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.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Bajaj Allianz Health Guard Plan?
Under this plan, maternity cover is included:
For Normal delivery is 15000 INR & 25000 INR for caesarian delivery.
For Normal delivery is 25000 INR & 35000 INR for caesarian delivery
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Bajaj Allianz Health Guard Plan?
Newborn baby cover is available with vaccinations.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Bajaj Allianz Health Guard Plan?
AYUSH treatment is available up to Rs. 20,000 per Policy Year
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Bajaj Allianz Health Guard Plan?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Bajaj Allianz Health Guard Plan?
Covered
Up to 50% of the Sum Insured.
Up to 50% of Sum Insured or 5 lacs whichever is lower.
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
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Bajaj Allianz Health Guard Plan?
up to Rs. 2000/- for each Insured in Individual Policy during the block of 3 years
up to Rs. 5000/- for each Insured in Individual Policy during the block of 3 years.
up to Rs. 5000/- for each Insured in Individual Policy during the block of 2 years.
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
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Bajaj Allianz Health Guard Plan?
The plan offers vaccination under newborn baby cover.
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%.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under Bajaj Allianz Health Guard Plan?
No sub-limits are available
Bajaj Allianz Network Hospitals have a vast present PAN India. A well connected network of over 7,600+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Health Guard plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Dental Treatment
Miscarriage, and abortion,
Congenital disease,
Infertility and in vitro fertilization
Obesity
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.
Sum Insured (in Rs.) | 2 Lakhs (Silver plan) | 10 Lakhs (Gold Plan) | 50 Lakhs (Gold Plan) | 1 Crore (Platinum Plan) |
Premium Payable | 5,500 | 9,400 | 14,100 | 17,850 |
Sum Insured (in Rs.) | 2 Lakhs (Silver plan) | 10 Lakhs (Gold Plan) | 50 Lakhs (Gold Plan) | 1 Crore (Platinum Plan) |
Premium Payable | 7,650 | 13,200 | 19,750 | 24,950 |
Sum Insured (in Rs.) | 2 Lakhs (Silver plan) | 10 Lakhs (Gold Plan) | 50 Lakhs (Gold Plan) | 1 Crore (Platinum Plan) |
Premium Payable | 8,950 | 15,400 | 23,100 | 29,200 |
Earn wellness discount
Avail enhanced protection with additional coverage options
Get tax relief under section 80D
Avail Family and Long-Term Discounts
The plan lets the policyholder earn up to 10% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.
The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:
Avail 4% discount for a 2-year policy and a 8% discount for a 3-year policy.
Avail 5% discount for online purchase.
Avail 10% family discount for 2 eligible Family Members covered and 15% if more than 2 of any of the eligible Family Members are covered under a single Policy.
Bajaj Allianz has over 10 crore customers across the country and to cater to such a wide consumer base Bajaj Allianz Health Insurance has an array of insurance plans.
A plan with 3 variants offering up to 1 Cr SI. It covers expenses incurred during hospitalization resulting from serious illness or accident.
Unique Features
A competitive plan with affordable premiums for your family, a perfect product to take care of medical expenses for you and your family in case of an unfortunate event.
Unique Features
A robust policy that takes care of 360-degree health needs for you and your family with a maximum sum assured up to INR 25 lakh.
Unique Features
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Unique Features
A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.
Unique Features
Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family. It is a floater Policy with a single premium for the family.
Unique Features
A super top-up health plan that provides additional coverage to the existing health insurance policy. The plan provides wider health protection to you and your family.
Unique Benefits
The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.
Unique Features
Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability
Unique Features
A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.
Unique Features
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Unique Features
A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.
Unique Features
Saral Suraksha Bima offers a sum assured up to 1 Cr and offers optional covers for temporary Total Disablement and Hospitalisation Expenses due to Accident.
Unique Features
An all-in-one family floater policy that covers health, household contents, travel baggage and much more.
Unique Features
This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.
Unique Features
A Comprehensive Plan with a wide range of benefits, ensuring a cover for maximum expenses related to Illness and Accidents offering optional add-on benefits.
Unique Features
A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.
Unique Features
A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.
Unique Features
A comprehensive plan that takes care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/ injury.
Unique Features
An affordable health insurance policy, Corona Kavach, takes care of your expenses at the time of hospitalization for COVID-19 treatment.
Unique Features
Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.
Unique Features
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.
Unique Features
A group policy that takes care of you and your family and protects you from hospitalization expenses in case of any unfortunate incident.
Unique Features
Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
The Bajaj Allianz Health Guard policy is available for policy term- 1/2/3 years.
The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:
A comprehensive insurance policy that covers the treatment expenses incurred during hospitalisation resulting from serious illness or accident. The policy offers comprehensive benefits at an affordable price that suits all your needs.
20K per policy year incurred on an ambulance offered by a healthcare or ambulance service.
Convalescence is the name for the period of recovery from an illness or injury. Health Insurance providers do have provisions for your recuperating period, but due to lack of knowledge, many times this Convalescence Benefit goes unclaimed
Yes, Maternity cover and New born baby cover is available in the gold and platinum variants of Health Guard Plan.
The Bajaj Allianz Health Guard policy offers free health check-up after the completion of 3 policy years.
Yes, the policy covers AYUSH treatment expenses for more than 24-hour in-patient hospitalization to a maximum of Rs.20,000 per policy term.
If a co-pay has opted voluntarily, an individual can avail of an additional 10% or 20% off on the policy premium.
Yes, 20% off on premium can be availed if the policy is booked indirect office.
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.
You can reach the customer care of Bajaj Health Guard Insurance by calling on this toll-free number 1800-209-5858.
Bajaj Allianz Health Guard policy offers multiple sum insured options to its customer. Bajaj Allianz Health Guard comes in a two-plan variant i.e. Bajaj Allianz health guard gold plan, and Bajaj Allianz health guard silver plan. The sum insured option offered under the silver plan is INR 1.5 Lakhs and INR 2 Lakhs and the Bajaj Allianz health guard gold plan offered a sum insured option from 3 Lakhs to 50 Lakhs.
Policyholders are allowed to file as many claims in a year, but the total amount of claims must not exceed the sum insured amount under the plan.
Yes, you have to pay 18% GST on premiums paid for Bajaj Allianz Health Guard Insurance plans.
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