Bajaj Allianz's Health Guard is a holistic health insurance plan that covers the treatment expenses incurred during hospitalisation resulting from serious illness or accident. The plan offers comprehensive benefits at an affordable price suitable for your needs. The policy plan makes you financially independent and puts you in charge to handle hospital bills for your family members during medical emergencies. There are two plans covered in this policy, the silver and gold plan.
Bajaj Allianz’s Health Guard covers in-patient hospitalisation expenses if you are hospitalised on the advice of a doctor, as defined under the policy. The need for hospitalisation is because of illness or accidental bodily injury sustained or contracted during the policy period.
The insurance policy covers medical costs incurred due to an illness or injury 60 days immediately before hospitalisation.
Bajaj Allianz's Health Guard covers for the medical costs incurred due to an illness or injury 90 days immediately after hospitalisation.
The plan offers a daily cash benefit of Rs. 500 for up to 10 days as accommodation charges, under each policy year. The coverage is offered for in-patient hospitalisation treatment. It is applicable on policies with a term of more than one year.
The policy offers 100% reinstatement on the sum insured if the in-patient hospitalisation treatment cover gets exhausted during the policy term.
The policy offers free health check-up after the completion of three policy years. The insurer will reimburse the amount equal to 1% of the sum insured of up to Rs. 2,000 for each member in the individual policy, during the block of three years. You may call the insurer on the toll-free numbers: 08698010101/1800-209-0144 /1800-209-5858 for the arrangement of the health check-up.
The plan covers ayurvedic/homeopathic hospitalisation treatment expenses for more than 24-hour in-patient hospitalization to a maximum of Rs.20,000 per policy term.
Covers medical expenses as listed in the policy brochure under in-patient hospitalisation treatment cover for day-care procedures/surgeries taken as an inpatient in a hospital or day-care centre but not In the outpatient department.
The insured enjoy Rs. 5000 per policy year in the event of insured hospitalised for a disease/ illness/ injury for a continuous period exceeding 10 days provided the hospitalization claim is accepted under In-Patient
The policy covers an organ donor's treatment up to the sum insured.
The plan offers ambulance expenses up to Rs. 20,000 during the policy period.
The plan covers maternity and medical expenses of a new-born baby.
This plan offers Income Tax Benefit as per Section 80D of the IT Act on the premiums paid for this policy.
|Bajaj Allianz Health Guard Insurance Plan|
|Policy Type||Individual (Self Only)/Family Floater|
|Entry Age||Children – 18 years
Adults – 65 years
For Dependent Children- Renewable up to 35 years
|Tenure||One, two and three years|
|Sum Insured||Health-Guard–Silver Plan: Rs. 1.5 lakh and Rs. 2 lakh
Health-Guard–Gold Plan: Rs. 3 lakh- Rs .50 lakh
Health Insurance helps you to be stress-free while dealing with medical contingencies due to sickness and accidental injuries. The plans are available starting from Rs.2973, with maximum coverage of Rs. 50 lakh.
Cashless treatment is only available at a network hospital registered with Bajaj Allianz. To avail of the cashless treatment, the following procedure must be followed:
If pre-authorisation under cashless claim procedure mentioned above is denied by the insurer or if treatment is taken in a hospital other than a network hospital or if you do not wish to avail the cashless facility, then the following procedure must be followed:
The following mandatory documents will be needed to claim the policy:
BFL Helpline Number: 08698010101
Bajaj Allianz General Insurance Helpline Number: 1800-209-0144 /1800-209-5858
E-mail – email@example.com
Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.
Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, Tata AIG General Insurance Company Limited, Oriental Insurance Company Limited, Max Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.
Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability, viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under Bajaj Allianz Health Guard Policy, UIN: BAJHLIP21227V042021. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions, and exclusions please read the product sales brochure carefully before concluding a sale.
Tax benefits applicable if any will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product.