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Product Overview

Bajaj Alliance Individual Health Guard Plan is an inpatient hospitalization policy, which provides an access to best medical care and treatment at an affordable rate.
A Health Insurance products designed to cover hospitalization expenses, day care procedures, Ambulance cover, etc.

Unique Features - Bajaj Allianz Individual Health Guard

  • No Sublimit for room rent & ICU.
  • Cumulative Bonus of 50 % is available over a period of 5 years.
  • Coverage for Laser treatment for correction of eye sight due to refractive error.
  • Pre-Hospitalisation-60 days/Post-Hospitalisation-90 days.

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Critical Features - Bajaj Allianz Individual Health Guard

  • Room rent:
    Limits imposed towards room and ICU rent expenses
    No Sub limits on room rent and ICU
  • Co-Pay:
    Specific % of the admissible claim amount to be borne by the Insured
  1. This plan has 2 types of co-payment clause.
  2. 20% is applicable for individuals with entry age 56 years and above.
  3. 10 % is applicable for treatment in non-network hospital (waived off by paying additional 10 % extra premium).
  • No Claim Bonus:
    10 % of Basic Sum Insured per year upto a maximum of 50% for each unclaimed year in case opted for (10 % will be reduced on claim).
  • Pre-Existing Diseases:
    Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
    This plans has a waiting period of 4 years is case of pre-existing diseases.

Eligibility Criteria

  • Minimum Age of entry:- Children-91 days/Adults-18 years
  • Maximum  Age of entry:- 65 years
  • Renewal Age:- Long Life Renewal
  • Sum Assured:- 1.5 Lakhs to 10 Lakhs (between age 3months and 55 years)
  • Policy Tenure:- 1 year
  • Family Definition:- Individual Plan - Self, spouse, dependent children, dependent parents.
  • Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)

Additional discounts

  • Family Discount: 10% discount if 2 or more family members are covered under a single policy
  • VOLUNTARY DEDUCTIBLE: Rs 10,000 to Rs2,50,000(discount in the range of 10 % to 32 %)

Exclusions

  • War, invasion, acts of foreign enemies, hostilities
  • Plastic surgery unless necessary for the treatment of cancer, burns or accidental Bodily Injury/Dental treatment or surgery
  • Cost of spectacles, contact lenses, hearing aids, crutches, artificial limbs, dentures, artificial teeth and all other external appliances
  • Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy
  • Intentional self-injury,treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
  • Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
  • Treatment arising from or traceable to pregnancy and childbirth
  • Treatment for any mental illness
  • Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed 

 

Note: Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.

Tax Benefits

Tax Benefit for the premium paid under section 80D of the Income Tax Act, 1961.

Claim Process

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
price
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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