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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

Benefits

• 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.

Exclusions

• 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.