Bajaj Allianz Premium Personal Guard

The 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 Premium Personal GuardPlan?

Under Bajaj Allianz Premium Personal Guard Plan, the room rent is not covered.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Under this plan, ICU charges are not covered.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

This plan does not cover medical expenses incurred during pre-hospitalization.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

This plan covers medical expenses incurred during post-hospitalization.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Under Bajaj Allianz Premium Personal GuardPlan, domiciliary hospitalization is not covered.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

This plan does not cover the expenses of daycare procedures.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Not covered under the plan.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

COVID-19 treatment cover is unavailable under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

The plan does not cover cataract treatment.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

The plan offers an Increase in the Limit of Indemnity by 10% of the Sum Assured per annum as a Cumulative Bonus. The maximum cumulative increase in the Limit of Indemnity will be limited to 5 years and 50% of Sum Assured.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Not Available.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Under the plan, Organ Donor expenses are not covered.

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Available, up to INR 1K.

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 Premium Personal GuardPlan?

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 Premium Personal GuardPlan?

Not available

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

Coverage status under Bajaj Allianz Premium Personal GuardPlan?

Not available

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 Premium Personal GuardPlan?

The plan does not cover the expenses for E-consultation.

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 Premium Personal GuardPlan?

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.

Status under Bajaj Allianz Premium Personal GuardPlan?

Not Applicable.