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 pays for the in-patient hospitalisation expenses incurred, if you are hospitalised on the advice of a doctor, as defined under the policy, 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 pays for the medical costs incurred due to an illness or injury 90 days immediately after hospitalisation.
Covers daily cash benefit of Rs. 500 per day up to 10 days during each policy year as accommodation charges provided the hospitalization claim is paid under inpatient hospitalisation treatment cover and applies to policies with a term more than one year.
The policy offers 100% of the sum insured to be reinstated if the inpatient hospitalization treatment cover is exhausted due to claims lodged during the policy term
The policy offers free health check-up after the completion of 3 years policy years.
The plan covers Ayurvedic/Homeopathic Hospitalisation treatment expenses for more than 24-hour inpatient hospitalization to a maximum of Rs.20000 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 & 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, to know more about the premium rates in detail please click here
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 Number: 1800-103-2529
E-mail – email@example.com
Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.