Question 1

What are the plans available under the Health Guard Policy?

Accepted Answer

Two plans are available under Health Guard Policy, viz- A. Silver Plan B. Gold Plan

Question 2

What are the Sum Insured options available in Health Guard Family Floater Policy?

Accepted Answer

For Health Guard Silver Plan, Sum Insured options are available for Rs. 1.5 Lakh and Rs. 2 Lakh. Whereas, for Health Guard Gold Plan, Sum Insured options are available for Rs. 3 Lakh, Rs. 4 Lakh,  Rs. 5 Lakh,  Rs. 7.5 Lakh,  Rs. 10 Lakh,  Rs. 15 Lakh,  Rs. 20 Lakh,  Rs. 25 Lakh,  Rs. 30 Lakh,  Rs. 35 Lakh,  Rs. 40 Lakh,  Rs. 45 Lakh, and  Rs. 50 Lakh

Question 3

What is the entry age for Health Guard Plan?

Accepted Answer

The entry age for Proposer, Spouse, Parents, Sister, Brother, Father-In-law, Mother-In-law, Aunt, or Uncle is 18 years to 65 years. For Dependent Children/Grand children, it is 3 months&ndash;30 years.

Question 4

What is the renewal age under this policy?

Accepted Answer

Health Guard Family Floater Plan is available for a lifetime. The children and grandchildren covered under the policy can renew it until 35 years of age. After completing the maximum age of renewal, the policy of dependent children will be renewed for a lifetime; only if a separate proposal form is submitted to the insurer at the time of renewal with the insured member as proposer. Also, if the policy is continued without a break, certain credits for waiting periods of all the previous years will be added in the new policy.

Question 5

What is the policy term under this plan?

Accepted Answer

The policy can be purchased for 1, 2 or 3 years.

Question 6

What is the term for paying the premium under this policy?

Accepted Answer

Premium is paid annually for 1-year policy. For policies with longer term, a one-time premium has to be paid at the time of risk inception and for renewal at the end of policy term.

Question 7

What are the waiting periods under this policy?

Accepted Answer

Bajaj Allianz Health Guard Family Floater policy comes with the following waiting periods:        Waiting period for expenses related to maternity and childbirth: 72 months    Initial waiting period: 30 days    Waiting period for pre-existing diseases: 36 months    Waiting period for specific illnesses: 24 months

Question 8

What all does the Health Guard Gold Plan cover?

Accepted Answer

Health Guard Gold Plan has the following coverage features- A. In-patient hospitalisation treatment B. Pre-hospitalisation C. Post-hospitalisation D. Road ambulance E. Day care procedures F. Organ donor expenses G. Convalescence benefit H. Daily cash benefit for accompanying an insured child I. Sum insured reinstatement benefit J. Preventive health check-up K. Ayurvedic/Homeopathic Hospitalisation Expenses L. Maternity Expenses M. New Born Baby Cover N. Bariatric Surgery Cover

Question 9

Is pre-policy medical check-up required before purchasing this policy?

Accepted Answer

Pre-policy check-up is applicable only for the new proposals. if there is no adverse impact on health, then tests are not required up to 45 years of age. These adverse conditions include-Diabetes, Hypertension, Lipid Disorders, a combination of any of the ones stated before, Obesity or Joint disorders. However, medical tests are necessary for members aged over 45 years. The pre-policy check-up is arranged at the empanelled diagnostic centers of the insurance company. The entire sum is refunded if the proposal is accepted and the policy is issued.

Question 10

What are the sub-limits under Silver and Gold Plans of Health Guard policy?

Accepted Answer

For Health Guard Silver Plan, there is a sub-limit on room rent restricted to max 1% per day of Sum Insured opted. Also, there is a Cataract limit per eye 20% of Sum Insured. For Health Guard Gold Plan, there are sub-limits on Cataract, Bariatric surgery and Maternity expenses, explained as follows. Cataract Limit per eye 20% of Sum Insured max up to Rs. 1 Lakh; Bariatric Surgery restricted to 50% of the Sum insured, subject to a maximum of Rs. 5 Lakh; and Maternity Expenses- From Sum Insured Rs. 3 Lakh to Rs. 7.5 Lakh is restricted to Rs. 15,000 for normal delivery and Rs. 25,000 for cesarean section and from Sum Insured Rs. 10 Lakh to Rs. 50 Lakh it is restricted to Rs. 25,000 for normal delivery and Rs. 35,000 for cesarean section.

Question 11

Is there any limit to cover road ambulance expenses under this policy?

Accepted Answer

Yes. The policy covers you for road ambulance expenses for up to Rs. 20,000 per policy year incurred by ambulance service provide to transfer the patient to the nearest hospital.

Claim Settlement Ratio	92.24%
Network Hospitals	7,000+
Pre-existing Disease Waiting Period	2 years
Starting Premium for Rs. 5 lakhs SI	Rs. 364/month

Name of Plan	Sum Insured
Health Infinity PolicyMin: 3 months; Max: 65 yearsPopular		Check Premium
Silver Health Min: 46 Years; Max: 70 YearsPopular	50 Thousand	Check Premium
Health Guard Family FloaterMin: 3 Months; Max: 65 Years	1.5 Lakh	Check Premium
Star Package Policy Min: 3 months; Max: 65 years	1.5 Lakh -1 Crore	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Tax GainMin: 18 Years; Max: 75 Years	1 Lakh	Check Premium
Hospital Cash Daily AllowanceMin: 3 Months; Max: 65 Years	500/day	Check Premium
Health EnsureMin: 3 Months; Max: No Limit	50 Thousand	Check Premium
Premium Personal GuardMin: 5 Years; Max: 65 Years	10 Lakh	Check Premium
Women Specific Critical Illness InsuranceMin: 21 Years; Max: 65 Years	50 Thousand	Check Premium
Health Guard IndividualMin: 18 years; Max: 65 years	1.5 Lakh	Check Premium
Critical Illness PlanMin: 6 Years; Max: 65 Years	1 Lakh	Check Premium
Global Personal GuardMin: 3 months; Max: 70 years	2 Lakh - 25 Lakh	Check Premium

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FAQs on Health Guard Family Floater Health Insurance Plan

What are the plans available under the Health Guard Policy?

What are the Sum Insured options available in Health Guard Family Floater Policy?

What is the entry age for Health Guard Plan?

What is the renewal age under this policy?

What is the policy term under this plan?

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