All About Bajaj Allianz Health Guard Plan

Eligibility Criteria

Sum Insured

The sum insured options available under the Bajaj Allianz Health Guard plan are as follows:

• Silver Family Floater Plan: Sum insured options ranging from ₹1.5 Lakhs to ₹2 Lakhs.

• Gold Family Floater Plan: Sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.

• Platinum Family Floater Plan: Sum insured options ranging from ₹5 Lakhs to ₹1 Crore.

Zone Wise Premium Rates

The premium rates for the Bajaj Allianz Health Guard plan will differ as per two zones:

Zone A Cities

• The cities that fall under this zone are Ahmedabad, Bangalore, Delhi/NCR, Hyderabad, Mumbai, Kolkata, Surat, Secunderabad and Vadodara.

• Policyholders falling under this zone will not have the co-payment clause in their policy. 

Zone B Cities

• Places that do not fall under Zone A are listed under Zone B.

• Policyholders falling under Zone B will have a 20% co-payment clause in their policy if they avail healthcare treatment in Zone A cities and pay premium rates as applicable in Zone B cities.  However, this is not applicable in case of accidental hospitalisation.

How to Claim your Bajaj Allianz Health Guard Plan

Not just buying the health insurance plans but understanding your policy’s claim process also remains a vital task. Have a look at the claim process for Bajaj Allianz Health Guard.

When raising a cashless claim, here’s what you need to do:

1. Provide policy details to the Bajaj Allianz network hospital. Post verification, the hospital will provide a pre-authorisation form.

2. Bajaj Allianz General Insurance verifies the form which is provided to the hospital along with the details about your policy benefits and coverage.

3. Hospital begins your treatment on a successful claim approval.

4. Once you are discharged, the hospital sends the bill along with discharge papers to the insurer which is then settled directly after reducing the co-payment, if any.

In case of reimbursement claim, follow these quick steps:

1. Submit all original documents and bills.

2. Bajaj Allianz team evaluates the information.

3. On receiving all the documents, your claim decision is made.

4. You will receive the payment based on the policy terms and conditions within 30 days.

Tax Benefits of Buying Bajaj Allianz Health Guard Plan

Here are the tax benefits of the Bajaj Allianz Health Guard plan:

• Tax benefits of up to ₹25,000 if the policyholder’s age is less than 60 years, and he/she is paying the health insurance premium for self, parents, spouse, children and parents.

• Tax benefits of up to ₹30, 000 if the policyholder’s age is below 60 years of age and the policy includes his/her parents as well.

• Tax benefits of up to ₹55,000 if the policyholder’s age is below 60 years and that of his/her parents is above 60 years.

• Tax benefits of up to ₹60, 000 if the policyholder’s age is and that of his/her parents is above 60 years.

Conclusion 

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!

Health Insurance Plans Available at Bajaj Markets