Bajaj Allianz Health Guard Family Floater Insurance Wordings

Claim Settlement Ratio | 92.24% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 6,500+ |
Policies Sold | 5,31,046 |
Renewability | Lifelong |
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Bajaj Allianz Health Insurance Plan List
Name of Plan | Sum Insured | |
Health Infinity PolicyMin: 3 months; Max: 65 years | Get Quotes Now | |
Silver Health Min: 46 Years; Max: 70 Years | 50 Thousand | Get Quotes Now |
Corona Kavach PolicyMin: 1 day; Max: 65 years | 50,000 - 5 lakh | Get Quotes Now |
Health Guard Family FloaterMin: 3 Months; Max: 65 Years | 1.5 Lakh | Get Quotes Now |
Star Package Policy Min: 3 months; Max: 65 years | 1.5 Lakh -1 Crore | Get Quotes Now |
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years | 1 Lakh - 5 Lakh | Get Quotes Now |
Tax GainMin: 18 Years; Max: 75 Years | 1 Lakh | Get Quotes Now |
Hospital Cash Daily AllowanceMin: 3 Months; Max: 65 Years | 500/day | Get Quotes Now |
Health EnsureMin: 3 Months; Max: No Limit | 50 Thousand | Get Quotes Now |
Premium Personal GuardMin: 5 Years; Max: 65 Years | 10 Lakh | Get Quotes Now |
Women Specific Critical Illness InsuranceMin: 21 Years; Max: 65 Years | 50 Thousand | Get Quotes Now |
Health Guard IndividualMin: 18 years; Max: 65 years | 1.5 Lakh | Get Quotes Now |
Critical Illness PlanMin: 6 Years; Max: 65 Years | 1 Lakh | Get Quotes Now |
Global Personal GuardMin: 3 months; Max: 70 years | 2 Lakh - 25 Lakh | Get Quotes Now |
Bajaj Allianz Health Insurance Top Up List
Name of Plan | Sum Insured |
1108 Bajaj Allianz Cashless Network Hospitals in India
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FAQs on Health Guard Family Floater Health Insurance Plan
What are the plans available under the Health Guard Policy?
Two plans are available under Health Guard Policy, viz- A. Silver Plan B. Gold Plan
What are the Sum Insured options available in Health Guard Family Floater Policy?
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
What is the entry age for Health Guard Plan?
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–30 years.
What is the renewal age under this policy?
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.
What is the policy term under this plan?
The policy can be purchased for 1, 2 or 3 years.
What is the term for paying the premium under this policy?
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.
What are the waiting periods under this policy?
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
What all does the Health Guard Gold Plan cover?
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
Is pre-policy medical check-up required before purchasing this policy?
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.
What are the sub-limits under Silver and Gold Plans of Health Guard policy?
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.
Is there any limit to cover road ambulance expenses under this policy?
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.