Bajaj Allianz Health Guard Plan

Your family’s healthcare needs continue to change with the changing lifestyles and constantly rising healthcare costs. In this scenario, having medical insurance coverage is extremely vital. Bajaj Allianz’s Health Guard policy is one such plan that is designed to suit your healthcare needs and further lend a helping hand when it comes to tackling sudden medical emergencies. The plan takes care of your medical treatment expenses incurred during the hospitalisation resulting from any serious illness or accident. This way, your healthcare bills are taken care of, and you can focus on complete recovery!

• Pre & post hospitalisation expenses

- Takes care of pre and post-hospitalisation expenses up to 60 and 90 days respectively.

• Daycare treatment

- It covers 130 daycare treatments which would require minimum 24 hours of hospitalisation.

• Organ donor expenses

- The plan covers the expenses incurred in organ donor’s treatment for the purpose of harvesting.

• Convalescence benefit

- In case of continuous hospitalisation due to an injury, illness, or disease, which extends over 10 days, the plan pays a convalescence benefit of ₹5,000 per policy year.

• Sum insured reinstatement

- In case your sum insured is exhausted during a policy year, then 100% of the sum insured is reinstated.

• Ayurvedic/Homeopathic hospitalisation costs

- The plan covers Ayurvedic/Homeopathic in-patient treatment costs.

• Maternity/newborn expenses

- The plan covers medical expenses incurred for the delivery of a baby and offers coverage for the newborn.

 

• Expenses incurred during the waiting period

- Any medical expenses incurred during the waiting period of the policy will not be covered. The waiting period for pre-existing diseases in the Bajaj Allianz Health Guard plan is 3 years. Diseases like cataract, piles, hernia, and sinusitis have a waiting period of 2 years.

• Diseases diagnosed in the first 30 days

- Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from the coverage. However, accidental injuries are taken care of during the waiting period.

• Diseases due to maternity/childbirth

- Any disease arising due to pregnancy, childbirth or related to pre and postnatal care is not covered

• Dental treatments

- Any dental treatments including dentures, cosmetic surgery, dental implants, and others are not covered.

• Cosmetic treatments

- Cosmetic or aesthetic treatments or any form of plastic surgery.

• The entry age must be between 18 years to 65 years.
• The age of dependent children or grandchildren must be between 3 months to 30 years.

• Health Guard Brochure - I

• Health Guard Brochure - II

With the changing lifestyle, a medical emergency can show up at any time. In such situations, a Bajaj Allianz Health Guard plan can come to your rescue by providing adequate financial cover while you can concentrate on the medical treatment. Hence, wait no more. Secure yourself and your loved ones with a Bajaj Allianz Health Guard plan now!