Health Guard Eligibility

  • Min Child age: 3 months
  • Max adult age: 55yrs
  • Max child age: 25yrs
  • Members covered: Individual and family plan. You can avail this policy for maximum combination of 2A4C
  • Policy Period: Policy available for 1yr
  • Policy Available for: Sum Insured Rs.1.5L-25L

Health Guard Benefits

  • Can be renewed till the age of 80 years
  • No medical tests required  for Sum Insured up to Rs.10 lacs for age up to 45  yrs
  • No sub-limits on hospitalisation expenses and room rent
  • Free Medical check-up after 4 claim free years
  • Family discount of 10%
  • Medical check-up is compulsory  if age over 46 yrs. 100% cost of check-up is refunded by Bajaj Allianz on policy issuance
  • Cashless facility is available at all empanelled hospitals. If the customer opts for hospitals other than the ones on panel, then the claim expenses shall be reimbursed within 14 working days from submission of all documents.

Health Guard Features

  • Medical expenses on hospitalization due to illness and accidents.
  • Nursing care, hospital room and boarding expenses.
  • Medical consumables, cost of medical staff like doctor, surgeon   etc.
  • Emergency ambulance charges up to Rs.1000.
  • 130 Day care procedures which do not require 24 hr hospitalization.
  • Pre-hospitalization expense covered for 60 days.
  • Post-hospitalization expense covered for 90 days.
  • Hospital room accommodation – on a shared basis.

Health Guard Claim Process

  • Intimate the company within 48 hours in case of emergency hospitalization.
  • You can contact Bajaj Allianz through Toll Free Line at 1800-209-0144 or log on to their website for any information or for clarifying your doubts.

Health Guard Exclusions

  • There shall be a waiting period of 4 years for pre-existing diseases.
  • All diseases/injuries existing at the time of proposing this insurance.
  • Any disease contracted during the first 30 days of commencement of the policy.
  • Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs. 35,000), sinusitis shall be covered after a waiting period of 2 years.
  • Non-allopathic medicine.
  • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
  • All expenses arising from AIDS and related diseases.
  • Cosmetic, aesthetic or related treatment.
  • Use of intoxicating drugs and alcohol.
  • Joint replacement surgery (other than due to accident shall have a waiting period of four years).