Bajaj Allianz Individual Health Guard

Bajaj Allianz Individual Health Guard is an all-round policy that covers you against medical expenses including hospitalization, in the event that you fall ill or have an accident.

Why you should choose Bajaj Allianz Individual Health Guard?

  • Choice to insure only self
  • Separate sum assured for self and dependents. Ex. If you choose Rs.1 Lakh as Sum Insured then yourself & dependents will get Rs.1 Lakh each
  • Regular expenses will not get effected due to sudden emergency like sickness
  • No medical tests up to 45 years, subject to clean proposal form.
  • Ensures Financial management


  • Individual Health Guard plan covers Hospitalization expenses.
  • 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.
  • Family discount of 10% is applicable.
  • 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, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
  • 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 only one member of the family.
  • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.


  • Pre-Existing Disease - 4 year waiting period applicable
  • 30 days waiting period applicable ( Disease contracted during the first 30 days from the commencement of the policy is excluded) in Individual Health Guard plan.
  • 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 Individual Health Guard plan are applicable.