Bajaj Global Personal Guard Policy
vs
Optima Restore Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Bajaj Global Personal Guard Policy |
3937-1730269249.webp){kind=logo} Optima Restore Plan |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 12000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Covered |
| Plan Entry Age | 18 to 70 Years | 5 to 65 years |
| Plan Premium Entry Age and S/A | NA | 8852 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | Individual & Family floater |
| Plan Sample Premium | NA | 8852 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 1, 2 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 93.54 | 98.59 |
| Solvency Ratio | 3.6 | 1.7 |
Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, permanent total disability, and permanent partial disability. Additionally, the Global Personal Guard Policy offers 12 optional covers that insured individuals may opt for on additional premium payments. Below are the optional covers available with Bajaj Allianz Global Personal Guard:
Individuals can avail of this plan globally, outside of India's geographical boundaries as it offers medical care internationally.
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