Bajaj Allianz Health Guard

Bajaj Allianz’s Health Guard Policy gives Health protection to you and your family. It takes care of the expenses incurred during hospitalization resulting from serious accident or illness. The policy covers pre and post hospitalization expenses and also ambulance charges in case of an emergency (subject to a limit of Rs. 1000/-)

• Sum insured from Rs.1 lakh to Rs.10 lakh can be opted from 3months to 55 yrs. No tests required for Sum Insured upto Rs.10 lakh and age upto 45 yrs (Subject to clean proposal form.)

• Get access to cashless facility with Health Guard at various empanelled hospitals across India.

• In case the member opts for hospitals besides the empanelled ones, the expenses incurred are reimbursed within 14 working days from submission of all documents
• Pre hospitalization expenses covers relevant medical expenses incurred 60 days prior to hospitalization and post hospitalization expenses covers relevant medical expenses incurred 90 days after hospitalization
• 10% co-payment of the admissible claim to be borne by the member if treatment is taken in a hospital other than a network hospital.
• Get waiver of the co-payment clause on payment of additional premium.
• Ambulance charges covered in an emergency subject to limit of Rs.1000/-
• 130 daycare procedures are covered subject to terms & conditions
• E-opinion rider cover inbuilt for sum insured of Rs. 5 lakh, Rs. 7.5 lakh and Rs. 10 lakh

Benefits

• Get Cumulative bonus of 5% on sum assured for every claims free year
• Family discount of 10% is applicable
• Get Health Check up at designated Bajaj Allianz Diagnositc Centers or Reimbursement upto Rs. 1000/- at the end of continuous four claim free years.
• Get Income tax benefit on the premium paid as per section 80-D of the Income Tax Act