Overview

Your family’s healthcare needs continue to change with the changing lifestyles and constantly rising healthcare costs. With this scenario, having a medical coverage that best fits this changing situation is extremely vital. Bajaj Allianz’s Health Guard 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 hospitalization resulting from any serious illness or accident. This way, your health adversities are taken care of, and all you can focus on, is complete recovery!

What are the Benefits of the Bajaj Allianz Health Guard Plan

  • Health Check-ups

    The plan offers free health check-ups for after every 3 claim free years, for the list of pre-defined tests

  • Emergency Ambulance Charges

    The plan compensates for ambulance charges up to Rs. 20,000/- per per policy year

  • Tax Benefits

    With this plan, you can enjoy tax benefits under section 80D of the Income Tax Act 1961.

  • Lifetime Renewal

    The plan offers lifetime renewability so that you can enjoy continued coverage

  • Portability

    The Bajaj Allianz Health Guard Plan lets you do the switch from your previous insurer without losing your accrued benefits after the waiting periods.

What's Covered

  • Hospitalization expenses

    Covers for hospitalization expenses incurred during hospitalisation

  • Pre & Post Hospitalization Expenses

    Takes care of Pre and Post hospitalization expenses for 60 and 90 days respectively

  • Day-care treatment

    Covers 130 day-care treatments which would require minimum 24 hrs of hospitalization

  • Organ Donor Expenses

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

  • Convalescence Benefit

    In case continuous hospitalization due to an injury, illness, or disease, that extends over 10 days, the plan pays a benefit of Rs. 5000 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 Hospitalization Costs

    The plan covers Ayurvedic/ Homeopathic in-patient treatment costs

  • Maternity/New-born Expenses

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

What's not Covered

  • Waiting period of pre-existing diseases is 3 years

  • Diseases like cataract, piles, hernia, and sinusitis have a waiting period of 2 years

  • 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

  • Any disease arising due to pregnancy, child birth or related to pre and postnatal care is not covered

  • Any dental treatment comprising of dentures, cosmetic surgery, dental implants, and others are not covered

  • Cosmetic or aesthetic treatments or any form of plastic surgery

 

Eligibility Criteria

Eligibility Criteria

  • Entry age must be between 18 years to 65 years
  • Age of dependant children or grandchildren must be between 3 months to 30 years

How to Claim your Bajaj Allianz Health Guard Plan

 

Not just buying the health insurance plans but understanding your policy’s claim process remains a vital task too. 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 network hospital. Post verification, the hospital will provide a pre-authorization 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 are 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

 

Best Health Insurance Plans Available at Finserv MARKETS

Manage all Your Queries Here

  • ✔️How many hospitals are empanelled with Bajaj Allianz?

    Bajaj Allianz offers cashless claims across 6500+ network hospitals

  • ✔️What is the maximum sum insured offered by the plan?

    The plan offers sum insured ranging from Rs. 1.5 Lakhs to Rs. 1 Crore.

  • ✔️What is the maximum policy period offered?

    The maximum policy period offered is 3 years.