Bajaj Allianz General Insurance - Health Guard Plan starting at Rs. 6,962*

Key features and benefits of this policy

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How to apply for Bajaj Allianz Health Guard

A quick guide to how you can apply for the Bajaj Allianz Health Guard and secure yourself and family within minutes.

  • In-patient hospitalisation expenses coverage

    Get coverage for hospitalisation expenses incurred due to illness or accidental injury sustained during the policy period.

  • Pre-hospitalisation expenses coverage

    Covers medical costs incurred due to an illness or injury from 60 days before hospitalisation.

  • Convalescence benefit

    Get a benefit amount of Rs. 5,000 if hospitalised for a continuous period of more than 10 days.

  • Daily cash benefit

    Get a daily allowance of Rs. 500/day for up to 10 days as accommodation charges. You can avail the benefit in every policy year for in-patient hospitalisation. This applies to the policy with over one year term.

  • Sum insured reinstatement benefit

    Get 100% of your basic sum insured on the policy restored if the coverage for in-patient hospitalisation gets exhausted during the policy term.

  • Post-hospitalisation expenses coverage

    Covers medical costs incurred due to an illness or injury 90 days after hospitalisation.

  • Free preventive health check-ups

    At the end of the three-year policy term, you are eligible to get free health check-ups as per the chosen plan. For the gold plan, get up to Rs. 2,000 and silver plan, get Rs. 5,000. Know about preventive health check-ups online.

  • AYUSH hospitalisation coverage

    Get coverage for in-patient hospitalisation up to Rs. 20,000 per policy term. Covers AYUSH treatments, room rent, nursing care, medicines, and consultations.

  • 399 daycare procedures covered

    Covers 399 daycare procedures/surgeries taken in a hospital or daycare centre except for the outpatient department.

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Eligibility criteria and documents required

Anyone can apply for Bajaj Allianz Health Guard Plan as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process for this health insurance policy.

Eligibility criteria

  • Nationality: Indian
  • Age (adults): 18-65 years
  • Age (dependent children): 91 days to 25 years

Documents required

Only basic information required while buying the policy:
  • Date of birth as per PAN card
  • Valid 10-digit mobile number
  • Residential PIN code

Step-by-step guide to buy this policy

  • Step 1

    Click on ‘Get Quote’ to open our online application form.

  • Step 2

    Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.

  • Step 3

    Now click on ‘Get Quote’ to proceed.

  • Step 4

    From the list of policies shown, choose Bajaj Allianz Health Guard Plan by clicking on ‘Buy Now’.

  • Step 5

    Select the policy term and premium amount.

  • Step 6

    Enter your email ID and check if all personal details shown are correct. Click on ‘Next’ to proceed.

  • Step 7

    Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

  • Step 8

    Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on ‘Next’ button to proceed.

  • Step 9

    Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.

  • Step 10

    Make the payment through net banking, UPI, debit, or credit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. You will receive the policy document copy on your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after processing the payment successfully.

    You can also access your policy details through the My Account section within 5-7 days after purchase.

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Policy details

Here's a quick look at the policy details of the Bajaj Allianz Health Guard Plan.

Policy details Description
Policy type Individual (self only)/family floater
Starting premium (in Rs.) 6,962*
Sum insured (in Rs.) Health Guard (Silver) plan: 1.5 lakh and 2 lakh | Health Guard (Gold) plan: 3 lakh and 35 lakh | Health Guard (Platinum) plan: 5 lakh and 35 lakh
Policy term One, two, and three years
Renewal Lifetime renewable (renewable up to 35 years for dependent children)

Key inclusions and exclusions

Here’s a quick look the inclusions and exclusions under the Bajaj Allianz Health Guard Plan:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Ayurvedic/Homoeopathic treatments Covers expenses of in-patient hospitalisation of more than 24 hours up to Rs. 20,000 per policy term
Organ donor expenses Covers organ donor's treatment up to the sum insured
Road ambulance cover Get reimbursement up to Rs. 20,000 for road transportation to the hospital
Maternity expenses Covers up to two deliveries or medically recommended terminations and pre-and post-natal hospitalisation | The waiting period to avail of this is 72 months
Newborn baby cover Applicable on the gold plan only | Covers hospitalisation and vaccination of the newborn baby for up to 90 days
Key exclusions Description
Dental treatment Cosmetic surgeries, dentures, artificial teeth, etc
Substance abuse Use or abuse of any substance drug or alcohol and treatment for de-addiction
HIV/AIDS AIDS or similar conditions caused by variant/mutant viruses
Vaccination Unless it is part of post-bite treatment or if medically necessary and recommended by treating doctor
Plastic surgery Except in cases of cancer, burns or accidental bodily injury
Other exclusions Mental/psychiatric illnesses and Parkinson's disease

How to raise a cashless claim

Follow these steps to raise claim requests for cashless hospitalisation with Bajaj Allianz General Insurance.

  • Locate a network hospital near you

    Step 1 - Locate a network hospital near you

    The cashless claim facility is available at 7,000+ network hospitals. Visit one of these for a stress-free experience. Click here to find a network hospital near you

  • Verify patient’s identity

    Step 2 - Verify patient’s identity

    Share the patient’s policy number and show your Bajaj Allianz cashless card along with valid identity proof (PAN, voter ID, passport) at the hospital.

  • Submit the pre-authorisation form

    Step 3 - Submit the pre-authorisation form

    Fill out and submit the pre-authorisation form at the hospital. The hospital will send this form to the Bajaj Allianz – Health Administration Team (HAT).

  • Step 4 - Claim verification

    Step 4 - Claim verification

    Once the verification is complete, the insurer will give the final confirmation within one working day and settle the claim directly with the hospital. The claim will be processed per the policy's terms and conditions.

  • Step 5 - Claim settlement

    Step 5 - Claim settlement

    In case of any queries, Bajaj Allianz team will contact the healthcare provider for additional information. Hospital needs to send the discharge summary, bills, and prescriptions on the day of discharge to the insurer. Upon receiving all the required documents, the insurer will send an authorisation letter within 7 working days.

    After clearing the formalities, insurer will settle the bills directly with the hospital.

How to raise a reimbursement claim

To reimburse your hospital and medical expenses with Bajaj Allianz General Insurance, follow these steps.

  • Step 1 – File your reimbursement claim

    Step 1 – File your reimbursement claim

    Fill the reimbursement claim form online on the Bajaj Allianz website by entering your health ID card number. You need to file the claim form within 30 days after getting discharged from the hospital.

  • Step 2 - Submit necessary documents

    Step 2 - Submit necessary documents

    Collect and submit the necessary documents for claim settlement. You need to submit claim form, hospital discharge summary, bills, and prescriptions to the Bajaj Allianz – Health Administration Team (HAT).

  • Step 3 - Claim verification and settlement

    Step 3 - Claim verification and settlement

    Once the verification is complete, the insurer will give the final confirmation. The claim process is done as per the terms and conditions of the policy.

In case of any queries, Bajaj Allianz team will contact you for additional information. Upon receiving all the required documents, the insurer will settle your claim within 10 working days.

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Documents required for raising a claim request

Here is the list of documents that you need to raise a claim request with Bajaj Allianz General Insurance.

  • Duly signed claim form and NEFT details
  • Bank details
  • Hospital and pharmacy bills, along with the prescription, receipts with a revenue stamp
  • Original laboratory and diagnostic test reports
  • Claim settlement letter from any other insurer in case of partial settlement
  • Copies of Aadhaar card and PAN card
  • Post-mortem report, if applicable

Frequently asked questions

Why is the Bajaj Allianz Health Guard Insurance Plan beneficial?

Bajaj Allianz Health Guard Insurance secures you, your spouse and dependent children under the same policy. It covers medical expenses against pre-and post-hospitalisation, hospitalisation. The policy gives coverage against 399 daycare procedures and ayurvedic/homoeopathic treatments. You also get coverage for organ donor, maternity, and newborn baby.

What are the plans available under the Health Guard policy?

There are three plan variants under Bajaj Allianz Health Guard Insurance policy:
1. Health-Guard (Silver) plan: Rs. 1.5 lakh and Rs. 2 lakh
2. Health-Guard (Gold) plan: Rs. 3 lakh and Rs. 35 lakh
3. Health-Guard (Platinum) plan: Rs. 5 lakh and Rs. 35 lakh.
Know more about the policy and get a quote online by clicking here.

What is the minimum age for Bajaj Allianz Health Guard Policy?

The minimum entry age for the Bajaj Allianz Health Guard Insurance policy is 18 years for adults and 65 years for senior citizens. For dependent children, the age criteria are 90 days to 30 years.

What are the benefits of Bajaj Allianz Health Insurance?

Bajaj Allianz Health Insurance offers you comprehensive plans at an affordable premium. It gives you and your entire family a financial coverage against unforeseen medical expenses. Bajaj Finance Limited partnering with Bajaj Allianz General Insurance offers three policies. You can choose from Health Guard, Global Personal Guard, and Extra Care Plus policies to cover your medical expenses.
These policies give coverage against pre-and post-hospitalisation, hospitalisation. Also, covers 399 daycare procedures and ayurvedic/homoeopathic treatments. You also get coverage for organ donor, maternity, and newborn baby. Visit our Insurance Mall section to check the plans.

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Disclaimer

*T&C Apply - 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, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA 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 on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase 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 UIN: BAJHLIP23065V052223. 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 which are subject to change in future. Please consult your tax advisor for more details. Visitors are hereby informed that by providing their personal or any information on our website they agree and understand that the information submitted by them may be shared with insurers.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

*Premium mentioned in communication is applicable for a healthy male aged 18 years and is inclusive of taxes.