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The Bajaj General Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring coverage for major expenses related to illness or surgery. This policy is designed to suit all healthcare needs, covering medical treatment expenses incurred during hospitalization due to serious illness or accident.
It can be purchased on an individual or family floater basis. The Bajaj General Health Guard Policy is available in three variants: Silver, Gold, and Platinum.
| PLAN DETAILS |
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Bajaj Health Guard Plan |
Zuno Corona Kavach |
| Product Type | Individual and Family 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.) |
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 | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not 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.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Available |
| Plan Entry Age | 18 Years to Lifelong | 18 to 65 years |
| Plan Premium Entry Age and S/A | 5500 | 800 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | COVID-19 hospitalization cover, home treatment cover, pre and post hospitalization expenses, AYUSH treatment cover |
| Plan Sample Premium | 5500 | 800 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 3.5/6.5/9.5 Months |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 98.54 |
| Solvency Ratio | 3.25 | 1.97 |
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