Bajaj Allianz is a leading health insurance provider that offers a varied range of insurance products, including Motor Insurance, Travel Insurance, Home Insurance, Cyber Safe Insurance, Commercial Insurance, and Health Insurance plans. Under Health Insurance, they offer individual plans as well as family floaters. Plans specific to senior citizens, women, and personal accidents are also available. The Health Guard Individual Policy covers medical expenses incurred on hospitalisation of the insured individual. A range of benefits are available at affordable prices making it one of the best choices for health insurance.
Prospective policyholders are expected to meet certain eligibility criteria specified by the insurer.
The Health Guard Individual Policy offered by Bajaj Allianz is a comprehensive health insurance plan that offers a wide range of options and benefits that the policyholder can choose from as per his/her convenience.
The Silver Plan and the Gold Plan have varying benefits. Prospective policyholders can choose the plan that best suits their requirements.
|Benefits||Silver Plan||Gold Plan|
|Room, boarding and nursing expenses||1% of sum insured per day||No sub-limit|
|Intensive care unit charges||Up to actual expenses|
|Ambulance charges||Maximum Rs.20,000|
|Pre-hospitalisation expenses||Expenses up to 60 days before admission to a hospital will be covered|
|Post-hospitalisation expenses||Expenses up to 90 days after discharge from the hospital will be covered|
|Cumulative Bonus||If there is no claim in a policy year, 10% of the base sum insured is provided per annum|
|Cataract Eye||20% of sum insured per eye|
|Day care procedures||Day care procedures and surgeries are covered|
|Daily cash benefit for accompanying an insured child||Rs.500 per day for a maximum of 10 days will be provided to one parent/legal guardian for accommodation expenses to stay with an insured child under the age of 12|
|Organ donor expenses||Organ donor’s treatment is covered|
|Sum insured reinstatement benefit||If the sum insured and the cumulative bonus, if any, is exhausted during a policy year, 100% of the sum insured will be reinstated for the policy year|
|Convalescence bonus||If the hospitalisation period exceeds 10 consecutive days, Rs.5,000 will be provided||If the hospitalisation period exceeds 10 consecutive days, Rs.5,000 for Rs.5 lakh sum insured and Rs.7,500 for Rs.7.5 lakh and above sum insured will be provided|
|Preventive Health check-up expenses||At the end of a continuous period of 3 years, an amount equal to 1% of the sum insured not exceeding Rs.2,000 will be reimbursed for preventive health check-ups||At the end of a continuous period of 3 years, an amount equal to 1% of the sum insured not exceeding Rs.5,000 will be reimbursed for preventive health check-ups|
|Ayurvedic/Homoeopathic hospitalisation expenses||Nil||Room rent, boarding expenses, nursing expenses, consultation fees, medicine and drug expenses, ayurvedic and homeopathic procedures are covered up to a maximum Rs.20,000|
|Maternity expenses||Nil||Expenses incurred for delivery of a baby (caesarean section included) is covered|
|Newborn baby cover||Nil||Expenses with respect to the newborn baby i.e. treatment while the mother is hospitalised, complications up to 90 days from the date of birth, mandatory vaccinations up to 90 days from the date of birth are covered|
|Bariatric surgery||Nil||Expenses related to Bariatric surgery is covered up to 50% of the sum insured not exceeding Rs.5 lakh|
Certain diseases/medical conditions are not covered under the policy.