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!
The plan offers free health check-ups for after every 3 claim free years, for the list of pre-defined tests
The plan compensates for ambulance charges up to Rs. 20,000/- per per policy year
With this plan, you can enjoy tax benefits under section 80D of the Income Tax Act 1961.
The plan offers lifetime renewability so that you can enjoy continued coverage
The Bajaj Allianz Health Guard Plan lets you do the switch from your previous insurer without losing your accrued benefits after the waiting periods.
Covers for hospitalization expenses incurred during hospitalisation
Takes care of Pre and Post hospitalization expenses for 60 and 90 days respectively
Covers 130 day-care treatments which would require minimum 24 hrs of hospitalization
The plan covers the expenses incurred in organ donor’s treatment for the purpose of harvesting
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.
In case your sum insured is exhausted during a policy year, then 100% of the sum insured is reinstated
The plan covers Ayurvedic/ Homeopathic in-patient treatment costs
The plan covers medical expenses incurred for the delivery of a baby and offers coverage for the new-born.
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
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:
In case of reimbursement claim, follow these quick steps:
Bajaj Allianz offers cashless claims across 6500+ network hospitals
The plan offers sum insured ranging from Rs. 1.5 Lakhs to Rs. 1 Crore.
The maximum policy period offered is 3 years.