Bajaj Allianz Individual Health Guard
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
- This plan has 2 types of co-payment clause.
- 20% is applicable for individuals with entry age 56 years and above.
- 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
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
