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Bajaj Allianz Health Guard Individual Health Insurance

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Bajaj Allianz Health Insurance
Health Guard Individual
Claim Settlement Ratio92.24%
Network Hospitals7,000+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Health Guard Individual Health Insurance

Bajaj Allianz Health Guard is a comprehensive medical insurance plan which covers the medical expenses incurred by the policyholder in case of hospitalisation. The plan can be taken for self or for the whole family as it is allowed both on individual and floater basis. The plan has two coverage variants of Silver and Gold and the coverage benefits depend on the plan variant selected. Sum insured can be taken from Rs. 1.5 Lakh to Rs. 50 Lakh. Under the family floater coverage, dependent children or grandchildren can be covered for up to 35 years which makes the plan unique.

Coverage features include both basic and advanced benefits. Inpatient hospitalisation, day care treatments, expenses incurred before and after hospitalisation and organ donor expenses are some of the basic coverage benefits. Advanced benefits include hospital daily allowance, maternity cover, sum insured reinstatement, etc. The policy can also be taken for a continuous period of 2 or 3 years by paying the health insurance premium at once.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Convalescence benefit is paid if hospitalisation exceeds 10 days
  • A daily hospital cash benefit is allowed for accompanying a minor child
  • Sum insured reinstatement of 100% of the base sum insured when the base cover is used up
  • Maternity and new born baby cover is available in Gold Plan
  • Daycare procedures, organ donor, convalescence benefit are covered

What's Not Included

  • Alcohol and drug abuse and relevant medical treatments
  • Dental treatments and surgeries unless they are required in an accidental case
  • Treatment taken outside India is not covered under the policy
  • Cosmetic and aesthetic treatments are excluded from the policy benefits
  • Pre-existing illnesses/diseases are covered after 3 years

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Bajaj Allianz Health Guard Individual Expert Review

  • Expert Review

    No matter how much you earn or save, one medical emergency can dig a big hole in your pocket. For such situations, a health insurance plan is a perfect choice as it saves you from paying hefty medical bills. With Health Guard Individual Plan by Bajaj Allianz, anyone can feel medically secured due to its wide coverage and unparalleled multiple benefits. Health plan seekers can opt for it without any doubt and get treated in 6000+ network hospitals of Bajaj Allianz.

    The plan is available in two variants that can be bought for 1, 2 and 3 years. People between 18 years and 65 years can get covered under this plan and avail its distinguished offerings. The policy provides coverage from Rs. 1.5 Lakh up to Rs. 50 Lakh, which is quite sufficient for any individual by paying a small amount of premium. Besides giving attractive benefits, the policy also provides an easy enrollment process as it doesn’t require any pre-medical test up to the age of 45.    

  • Major Attractions

    The Health Guard Individual Plan holds many amazing elements one can’t resist. To ensure the availability of proper medical care for people without letting their savings get exhausted, the plan carries basic to significant features. The basic components of the policy comprise in-patient hospitalisation treatment, pre and post hospitalisation, and so on. While the plan includes several major attractions as well which are as follow:

    • Coverage for bariatric surgery or procedure
    • Availability of coverage for listed daycare procedures
    • Coverage related to maternity and a newborn baby is provided
    • Cover the expenses of ambulance up to Rs. 20000 every policy year
    • Free preventive health check-up is provided at every 3 years of plan
    • Expenses incurred on organ donor are covered up to the sum insured
    • Coverage for convalescence benefit is available for up to Rs. 7500 per year
    • Option for Homeopathic and Ayurvedic hospitalisation cover is available
    • The option of sum insured reinstatement on exhaustion of the sum insured
  • What’s More?

    Apart from the features of coverage, the plan occupies some components to offer profits to policyholders. These extra benefits increase the value of the plan and make it a one-stop solution for many people. Following are the additional features of the plan:

    • The option of lifelong renewability
    • 10% cumulative bonus benefit is given for each claim free year up to 100%
    • A family discount of 10% is offered for registering 2 members of the family, whereas, 15% is given for 3 members
    • Long term policy discount of 4% is provided for taking 2 years plan and 8% is offered for 3 years plan
    • Tax benefits are offered under the plan on the premium amount paid​
  • Conclusion

    With so much to offer, we can conclude that the Health Guard Individual Plan is a perfect way to end your search for an individual health insurance policy.

    If you are thinking of where to get this policy from? Just search for website and get all the information related to the plan. The website will guide you for claim settlement, purchase process and avoid plenty of paperwork.


Bajaj Allianz Health Guard Individual Brochure

  • 590.00 KB
  • PDF Document
  • Jun 08, 2019

Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Guard Individual Health Insurance Plan

  • What is the coverage limit for ambulance charges?

    Ambulance charges are covered for up to Rs. 20,000 in a policy year.

  • What do organ donor expenses cover?

    Organ donor expenses cover the cost incurred in harvesting the organ from the donor.

  • What is convalescence benefit?

    Under convalescence benefit, if the insured is hospitalised for 10 days or more, the plan pays a lump sum benefit for recovery. This benefit depends on the sum insured opted. For Silver plan, the benefit amount is Rs. 5000. In Gold plan, the benefit amount is Rs. 5000 for sum insured of up to Rs. 5 Lakh. For higher sum insured levels the benefit amount is Rs. 7500.

  • How do preventive health check-ups work?

    After every 3 policy years the plan allows free health check-ups. The cost of the health check-up should be up to 1% of the sum insured or Rs. 2000 for Silver plan and Rs. 5000 for Gold Plan, whichever is lower. The check-up is allowed for each covered member under the plan.

  • Are AYUSH treatments covered under the plan?

    Yes, treatments taken under Ayurveda, Unani, Siddha and Homeopathy are covered under the Gold plan variant. Maximum coverage for AYUSH treatments is, however, limited to Rs. 20,000 in one policy year.

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