Bajaj Allianz Health Guard Insurance Plan

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Bajaj Allianz - Health Guard Insurance Plan

A joint venture between Bajaj Finserv Limited and european financial services company Allianz SE, Bajaj Allianz offers a wide variety of products ranging from ULIPs and child plans to group and health insurance by incorporating the technical expertise and experience of Allianz SE with the market knowledge and goodwill of the Bajaj brand in India. The company also provides customised products and transparent benefits, catering to every segment and age-income profiles.

A joint venture between Bajaj Finserv Limited and european financial services company Allianz SE, Bajaj Allianz offers a wide variety of products ranging from ULIPs and child plans to group and health insurance by incorporating the technical expertise and experience of Allianz SE with the market knowledge and goodwill of the Bajaj brand in India. The company also provides customised products and transparent benefits, catering to every segment and age-income profiles.

Bajaj Allianz Health Guard is an insurance plan offered for individuals from 18 to 65 years of age and 3-25 years for children with lifetime renewal option. However, the plan is divided in two parts-

  • Health Guard Individual Policy
  • Health Guard Family Floater Option

Bajaj Allianz's Individual option plan

This plan caters to all your health care needs from the expensive medical treatment incurred during hospitalization to regular health check-ups. It is an all-round policy for you and your family.

Features & Benefits

  • It provides an applicable family discount of 10%.
  • One can avail cashless hospitalization at 3700+ partner hospitals across India.
  • Avail cumulative bonus of 10% for each claimless year, maximum upto 50% of insured sum.
  • Medical test isn't mandatory for persons under the age of 45 years.
  • Pre-policy check up (if required) will be conducted at an appointed diagnostic center. The expense incurred by the customer will be refunded in full if the proposal is accepted and policy issued.
  • Free Health check-up at the end of 4 continuous claim free years.
  • 130 Day Care procedures covered.
  • Free Look Period of 15 days- Did not like the policy? Cancel the policy within 15 days for a complete refund
  • Grace period of 30 days for every subsequent instance of policy renewal.
  • Plans are lifelong renewable and covers you for your entire lifetime.
  • Any pre-existing condition will be covered after a waiting period of 4 year
  • No Sub-limits applicable on room rent
  • On the premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60.
  • Provides single window assistance to all the health insurance policy holders for all health care related services
  • Faster Claim Settlement due to single point of contact.
  • Effective and quick in resolving customer queries/better and systematic redressal mechanisms.
  • Control over Claims Settlement and Customer service.

What all does the policy covers?

  • Pre and post hospitalization expenses covers all medical instances from 60 days prior to and 90 days after hospitalization.
  • Access to cashless facility at over 4000 empanelled hospitals across India.(subject to exclusions and conditions)
  • Ambulance charges in an emergency subject to a limit of Rs 1000.
  • 130 daycare procedures are covered subject to terms and conditions.

What is not covered?

  • A waiting period of 4 years will be applicable in the case of pre-existing diseases.
  • Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.
  • Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs.35,000) and sinusitis shall be covered after a waiting period of 2 years.
  • Treatment consisting of non-allopathic medicine will not be covered.
  • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
  • Cosmetic, aesthetic or related treatments will not be covered.
  • Treatment will not be covered for use of intoxicating and/or addictive substances like alcohol, drugs etc.
  • Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it is covered.

Health Guard Family Floater Option

As the inflation goes up, it has become progressively difficult to sustain a good living and above that, maintaining good health is not an easy task. Therefore, Bajaj Allianz brings you the perfect Health Guard Family Floater Option for you and your family. It takes care of the expenses of medical treatment incurred during hospitalisation resulting from serious illness or accident suffered by you or your family.

What all does the policy covers?

Medical Expenses During Hospitalisation:

We will pay the medical expenses, which are the requisite charges that you incur on the advice of a doctor, as an inpatient in a hospital for accommodation; boarding expenses including patients diet as provided by the hospital/ nursing home ; nursing care; the attention of medically qualified staff; undergoing medically essential procedures; medicines.

Pre-hospitalisation:

Expenses incurred, in respect of the medical treatment of an Illness during the consecutive 60-day period immediately preceding your admission to hospital for that Illness, provided that the aforesaid 60 day period commences and ends within the policy period.

Post-hospitalisation:

Expenses incurred, in respect of medical treatment and essential investigations for a period of upto 90 days after discharge from a hospital for medical treatment related to the illness or accidental bodily injury. However in case of renewed policies the pre-hospitalisation period may fall in the previous policy period.

Emergency Ambulance Charges:

If a claim is accepted, the reasonable cost to a maximum of Rs 1000 per valid hospitalisation claim for transferring you / your family members mentioned in the policy schedule to or between hospitals in the hospital's ambulance or in an ambulance provided by any ambulance service provider is also covered.

Medical Check-up:

At the end of every continuous period of 4 years during which you have held the Health Guard Family Floater policy without making a claim you / your family members named in the policy schedule may apply to us for a free medical check up. This benefit also extends over the family member(s) covered under the policy.

What is not covered?

  • There shall be a waiting period of 4 years for pre-existing diseases.
  • All diseases/injuries existing at the time of proposing this insurance
  • Any disease contracted during the first 30 days of commencement of the policy..
  • Diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs. 35,000), sinusitis shall be covered after a waiting period of 2 years.
  • Non-allopathic medicine.
  • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
  • All expenses arising from AIDS and related diseases.
  • Cosmetic, aesthetic or related treatment.
  • Use of intoxicating drugs and alcohol.
  • Joint replacement surgery (other than due to accident shall have a waiting period of four years).

A health insurance with so many benefits including no sub-limits and lifetime renewal option is surely hard to find. The Bajaj Allianz Health Guard, both individual and floater option, are the one with the maximum of benefits and facilities one needs and looks for when buying an insurance for either the family or for an individual. So, investing in the right direction and with the right plan for the health of your family is of utmost priority.

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