Bajaj Allianz Health Insurance
  • About Health-Guard Variants
  • Buying process 'on a go'
  • Quick claim Settlement
Bajaj Allianz Health Insurance
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Network hospitals

8000+

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Claim settlement ratio

96.59%

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Sum insured

Up to 1 CR

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No. of Plans

8

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Solvency Ratio

3.41

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Pan India Presence

240

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8000+

premium

Claim settlement ratio

96.59%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

3.41

premium

Pan India Presence

240

Bajaj Allianz Health Guard Plan

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.

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Bajaj Allianz Health Insurance

Bajaj Allianz Health Insurance

Bajaj Allianz Health Guard Plan Specifications

Children Entry Age

91 days to 30 years

Adult Entry Age

Adult: 18 Years, Maximum: 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured (in Rs.)

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

Initial Waiting Period*

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.

Choose your Bajaj Allianz Health Guard 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

In-patient & Out-patient Coverage

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

Coverage Terms

COVID-19 Treatment

Not 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

Alternative Treatments

AYUSH Treatment

Not Available

IVF Treatment

Not Available

Modern Treatment

Upto 50% of SI

Emergency Coverage

Ambulance

Covered upto 20K per policy year

Air Ambulance

Not Available

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Available

Second Medical Opinion

Not Available

Vaccination

Available

Limitations

Co-payment

Applicable

Sub-limits

Not Available

What is Room Rent?

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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 treatment cover is not available under this plan.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Bajaj Allianz Health Guard Plan?

Newborn baby cover is available with vaccinations.

What is AYUSH Treatment?

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

What is IVF Treatment?

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

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

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

Coverage status under Bajaj Allianz Health Guard Plan?

Not Covered

What is E-Consultation?

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

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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

What is Vaccination cover?

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.

What is Co-payment?

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%.

What is the Sub limit?

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 Health Insurance Network Hospital List

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.

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Bajaj Allianz Health Guard Plan Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

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

Sample Premium Illustration of Bajaj Allianz Health Guard Plan

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.

1 Adult

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

2 Adults

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

2 Adults +1 Kid

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

Bajaj Allianz Health Guard Plan Benefits

Wellness Benefits

Earn wellness discount

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Family and Long-Term Discounts

Wellness Benefits

The plan lets the policyholder earn up to 10% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.

Optional Covers

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.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

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 Health Insurance Plans

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.

Bajaj Allianz Health Insurance Individual & Family 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

  • Avail Discounts
  • Maternity cover available
  • Organ Donor expenses covered

Bajaj Allianz Health Guard (Pros)

  • Convalescence benefit
  • Super Cumulative bonus
  • Daily cash benefit
  • New Born Baby Cover
  • Pre & post hospitalization

Bajaj Allianz Health Guard (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz Health Guard (Other Benefits)

  • Health prime rider
  • Non-medical expense rider
  • Wellness benefits
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz Health Guard (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 1 Cr
  • Waiting Period - 30 Days

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

  • Avail daycare procedures
  • Road ambulance coverage
  • Prosthetic cost covered

Bajaj Allianz Health Infinity (Pros)

  • In-patient hospitalization cover
  • Pre & post hospitalization
  • Spouse Cover
  • Global Coverage
  • Preventive health check-up

Bajaj Allianz Health Infinity (Cons)

  • No Sleep Apnea Coverage
  • No Dental Treatment
  • No Alcoholism Cover
  • Type2 Diabetes not covered
  • No Obesity/Weight Cover

Bajaj Allianz Health Infinity (Other Benefits)

  • Per Day Room Rent Benefit
  • Co-Pay Benefit
  • Tax Benefits
  • Cataract Cover
  • Alzheimer Cover

Bajaj Allianz Health Infinity (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - No Limit
  • Waiting Period - 30 Days

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

  • Modern Treatment covered
  • Avail AYUSH treatment
  • Avail cumulative bonus

Arogya Sanjeevani Plan (Pros)

  • Cataract Treatment
  • Modern Treatment
  • Pre-hospitalization
  • Post-hospitalization
  • Hospitalization Cover

Arogya Sanjeevani Plan (Cons)

  • No Global Coverage
  • No Weight Control Cover
  • No Sleep Apnea Cover
  • HIV/AIDS not covered
  • No War Injury Cover

Arogya Sanjeevani Plan (Other Benefits)

  • Plastic Surgery Cover
  • Spouse Cover
  • Child Cover
  • Dental Treatment Cover
  • Diabetes Cover

Arogya Sanjeevani Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

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

  • Avail cumulative bonus
  • Cover dependent children
  • Cover death and disability

Bajaj Allianz Health Insurance Specialized Plans

Bajaj Allianz Critical Illness

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

  • Avail discounts on policy terms
  • 50 Lakh SI
  • Flexible premium payment

Bajaj Allianz Critical Illness (Pros)

  • Joint Replacement
  • Major Organ Transplantation
  • Surgery of Aorta
  • Limbs Permanent Paralysis
  • Dialysis Care

Bajaj Allianz Critical Illness (Cons)

  • No C- Section Coverage
  • No Weight Surgery Cover
  • No War Injury Cover
  • HIV/AIDS not covered
  • No Natural Peril Cover

Bajaj Allianz Critical Illness (Other Benefits)

  • First Heart Attack
  • Open Chest CABG
  • Regular Dialysis
  • Neuro Care
  • Multiple Sclerosis

Bajaj Allianz Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

Bajaj Allianz Extra Care

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

  • Avail Modern Treatments
  • Avail Ambulance coverage
  • Avail discounts on policy terms

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

  • Air Ambulance cover
  • Avail maternity expense
  • Organ donor expenses covered

Bajaj Allianz Extra Care Plus (Pros)

  • Modern treatment Covered
  • Air Ambulance Cover
  • Maternity Benefit
  • Organ Donor Expenses
  • Free Medical Check-Up

Bajaj Allianz Extra Care Plus (Cons)

  • No New Born Baby Cover
  • No Dental Treatment
  • No Obesity Cover
  • STD not covered
  • No BMI Cover

Bajaj Allianz Extra Care Plus (Other Benefits)

  • Day Care Treatment Covered
  • ICU Covered
  • Specialist Doctor Cover
  • Post-hospitalisation expenses
  • Spouse and Child Cover

Bajaj Allianz Extra Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 80 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Bajaj Allianz M care

The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.

Unique Features

  • Avail Lifetime Renewal
  • Coverage against Dengue
  • Avail family coverage

Bajaj Allianz M care (Pros)

  • Chikungunya Cover
  • Malaria Cover
  • Filariasis Cover
  • Kala Azar Cover
  • Pre & post hospitalisation

Bajaj Allianz M care (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz M care (Other Benefits)

  • Zika Virus Cover
  • Japanese Encephalitis Cover
  • Dengue Fever Cover
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz M care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25 Thousand to 75 Thousand
  • Waiting Period - 30 Days

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

  • Covers children’s education
  • Avail cumulative bonus
  • Avail additional covers with plan

Bajaj Allianz Sankat Mochan

A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.

Unique Features

  • Offers 16 variants
  • Lifetime renewal available
  • Avail Hospitalization expenses

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

  • Avail cumulative bonus
  • Cover dependent children
  • Cover death and disability

Bajaj Allianz Loan Care

A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.

Unique Features

  • Personal Accident Covered
  • EMI Payment Cover
  • Child education benefit available

Bajaj Allianz Saral Suraksha Bima

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

  • Lifetime renewal available
  • Child education benefit available
  • Cumulative Bonus

Bajaj Allianz Saral Suraksha Bima (Pros)

  • Total Temporary Disablement
  • Installment Premium Payment
  • Cumulative Bonus
  • Hospitalization Expenses
  • 10% Education Grant

Bajaj Allianz Saral Suraksha Bima (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Bajaj Allianz Saral Suraksha Bima (Other Benefits)

  • Partial Disablement Cover
  • Total Disablement Cover
  • Nursing Expenses Cover
  • Prosthetic Cover
  • ICU Cover

Bajaj Allianz Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 cr
  • Waiting Period - 30 Days

Bajaj Allianz Star Package

An all-in-one family floater policy that covers health, household contents, travel baggage and much more.

Unique Features

  • Covers Household content
  • Avail education grant
  • Avail critical illness cover

Bajaj Allianz Global Health Care

This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.

Unique Features

  • USD 1,000,000 cover
  • Mental Illnesses covered
  • Air Ambulance covered

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

  • Avail Maternity Cover
  • Avail Newborn baby cover
  • Physiotherapy expenses covered

A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.

Unique Features

  • Avail Hospitalization expenses
  • Pre-existing illnesses Cover
  • 130 day care procedures

Bajaj Allianz Tax Gain Policy

A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.

Unique Features

  • OPD covereage available
  • 130 Day care procedures
  • Avail free health check up

Bajaj Allianz Health Ensure

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

  • Upto 10lakh sum assured
  • Avail cumulative bonus
  • Day care procedures covered

Bajaj Allianz Corona-Kavach Policy

An affordable health insurance policy, Corona Kavach, takes care of your expenses at the time of hospitalization for COVID-19 treatment.

Unique Features

  • Avail homecare treatment
  • AYUSH treatment available
  • Avail hospital daily cash

Bajaj Allianz Corona-Kavach Policy (Pros)

  • Covid Hospitalization Cover
  • AYUSH Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Home Care Treatment Expenses

Bajaj Allianz Corona-Kavach Policy (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Alcoholism Cover
  • No Unproven Treatments
  • No Suicide Cover

Bajaj Allianz Corona-Kavach Policy (Other Benefits)

  • Hospital Daily Cash
  • Oxygen cylinder Cover
  • Diagnostic tests Cover
  • Consultation charge cover
  • Road Ambulance Cover

Bajaj Allianz Corona-Kavach Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Bajaj Allianz Hospital Cash Daily Allowance

Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.

Unique Features

  • Avail discounts
  • Flexible premium payment term
  • Avail family cover

Bajaj Allianz Women Specific Critical Illness

This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.

Unique Features

  • Congenital Disability Benefit
  • Children Education Bonus
  • Avail various discounts

Bajaj Allianz Family Health Care Policy

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

  • Avail Daycare procedures
  • Hospital cash benefits
  • Modern treatment covered

Bajaj Allianz Criti-Care

Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.

Unique Features

  • Avail lifetime renewal
  • Avail coverage against cancer
  • Avail wellness discount

Bajaj Allianz Criti-Care (Pros)

  • Dialysis Care Cover
  • Cancer reconstructive surgery
  • Cardiac Nursing Cover
  • Physiotherapy care
  • Dialysis Care

Bajaj Allianz Criti-Care (Cons)

  • No Intoxication Coverage
  • No Cosmetic Surgery
  • No Postpartum Cover
  • STD not covered
  • No Natural Calamity Cover

Bajaj Allianz Criti-Care (Other Benefits)

  • Cancer Care
  • Cardiovascular Care
  • Kidney Care
  • Neuro Care
  • Transplants care

Bajaj Allianz Criti-Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 2 Cr
  • Waiting Period - 30 Days

Bajaj Allianz Health-Guard: FAQs

1. What is the policy duration of Bajaj Allianz Health Guard?

The Bajaj Allianz Health Guard policy is available for policy term- 1/2/3 years.

2. Are there any discounts available on purchase of Bajaj Allianz Health Guard?

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.

3. What is Bajaj Allianz Health Guard Policy?

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.

4. What is the limit of road ambulance under the health guard?

20K per policy year incurred on an ambulance offered by a healthcare or ambulance service.

5. What is convalescence benefit?

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

6. Is maternity expense covered in Bajaj Allianz Health Guard?

Yes, Maternity cover and New born baby cover is available in the gold and platinum variants of Health Guard Plan.

7. Do I get preventive health check up benefits in Bajaj Allianz Health Guard?

The Bajaj Allianz Health Guard policy offers free health check-up after the completion of 3 policy years.

8. Are AYUSH treatments covered in Bajaj Allianz Health Guard plan?

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.

9. 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.

10. 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.

11. 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.

12. What is the toll-free customer care number of the Bajaj Health Guard policy?

You can reach the customer care of Bajaj Health Guard Insurance by calling on this toll-free number 1800-209-5858.

13. What are the sum insured options available under Bajaj Allianz Health Guard Policy?

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.

14. What is the maximum number of claims that can be filed under Bajaj Allianz Health Guard Policy?

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.

15. Do I have to pay GST on premiums paid for Bajaj Allianz Health Guard Insurance plan?

Yes, you have to pay 18% GST on premiums paid for Bajaj Allianz Health Guard Insurance plans.

Bajaj Allianz Health Insurance Review

Read what customers have to say about Bajaj Allianz Health Insurance Insurance.

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Raj Kumar

Bhopal

October 16, 2023

Invested in a senior citizen health insurance with Bajaj Allianz for my parents and the coverage benefits are very helpful

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Riya Chatterjee

Pune

October 9, 2023

Recently purchased a senior citizen plan from Bajaj Allianz and it provided my parents with wellness benefits and annual health check-ups that are useful for me as I stay away from my family.

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Rishabh Singh

Chandigarh

October 9, 2023

Quick and efficient response from customer care of Bajaj Allianz when it comes to claim settlement queries.

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Priyanka Kumari

Guwahati

October 9, 2023

Provides different options in health insurance and offers unique benefits. I purchased a maternity plan from Bajaj 2 years ago and now I am planning to start a family. Bajaj Allianz has been ve...

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Smita Patil

Bengaluru

May 1, 2023

I have availed health insurance services from PolicyX in the year 2021 and I must say that they are reliable and have supported me with claim settlement without any delay.

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Pawan

Delhi

June 6, 2022

Trust me, friends, Bajja is one of the best insurance companies in India. It offers good health insurance plans and its claim service is superb. I am very impressed by the work done by Bajaj Al...

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Himanshi Nalwa

Pune

May 26, 2022

My claim was settled in no time... I went to a non-network hospital and Bajaj Allianz reimburse my claim within 2 days

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Priya Singhania

Guwahati

May 26, 2022

I took the health insurance plan for my family. Bajaj Allianz is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.

View All Bajaj Allianz Health Insurance Reviews