Bajaj Allianz General Insurance - Health Guard Plan starting at Rs. 6,962*
Key features and benefits of this policy
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.
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.
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.
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.
- Nationality: Indian
- Age (adults): 18-65 years
- Age (dependent children): 91 days to 25 years
- Date of birth as per PAN card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
Click on ‘Get Quote’ to open our online application form.
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.
Now click on ‘Get Quote’ to proceed.
From the list of policies shown, choose Bajaj Allianz Health Guard Plan by clicking on ‘Buy Now’.
Select the policy term and premium amount.
Enter your email ID and check if all personal details shown are correct. Click on ‘Next’ to proceed.
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on ‘Next’ button to proceed.
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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.
Here's a quick look at the policy details of the Bajaj Allianz Health Guard Plan.
|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
|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|
|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|
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with Bajaj Allianz General Insurance.
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
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.
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
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
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
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
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
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.
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
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.
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.
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.
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.
Most insurance companies have a set upper and lower age limit for policyholders before offering their policy.
Co-payment is the percentage of the claim amount that the policyholder has to pay from their own pocket under a health insurance policy.
Daycare procedures are surgeries or procedures that less than 24 hours of hospitalisation.
Terminal illnesses are incurable ailments and diseases that are associated with a decreased life expectancy and are serious in nature.