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Bajaj Allianz Family Floater Health Guard

Bajaj Allianz's Family Floater Health Guard Policy is the perfect Health protection for you and your family.

Why you should choose Bajaj Allianz's Family Floater Health Guard?

• Floater plan - Single sum insured floated on self and family member named in the schedule. Sum Assured can be utilized by any of the named members in the policy schedule
• No medical tests up to 45 years, subject to clean proposal form.
• Exorbitant increase in medical expenses. Indemnify oneself from loss of monies
• Allows to take care of your near & dear peacefully
• Provide best medical facilities to yourself and dear ones.

Benefits

• Hospitalization expenses covered in Family Floater Health Guard plan.
• Access to cashless facility at over 3000 empanelled hospitals across India.(subject to exclusions and conditions)
• Pre and post hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
• Covers ambulance charges in an emergency subject to a limit of Rs 1000.
• 130 daycare procedures are covered subject to terms & conditions.
• 5% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed for sum insured Rs.2,00,000/- and above continuously renewed with us.
• In case the member opts for hospitals besides the empanelled ones, 10% co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital
• Health check-up at designated Bajaj Allianz diagnostic centers or reimbursement upto Rs.1000/- at the end of 4 continuous claim-free years. This benefit can be availed by you & your family member named in the schedule.
• Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.

Exclusions

• Pre-Existing Disease - 4 year waiting period applicable in Family Floater Health Guard.
• 30 days waiting period applicable.( Disease contracted during the first 30 days from the commencement of the policy is excluded)
• Joint replacement surgery (other than due to accidents)-a waiting period of 4 years before it is covered.
• 2-Year waiting period is applicable to certain diseases like hernia, piles (liability restricted upto 10% of SI, max. upto Rs.35,000 after 2 years when cover is provided) and sinusitis
• Other standard exclusions of Family Floater Health Guard plan are applicable.