Health Guard Policy provides you with a comprehensive range of benefits, ensuring you are covered for the larger expenses related to Illness/surgery. Bajaj Allianz's Health Guard is designed to suit all your health care needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident. This cover has comprehensive benefits with affordable price suitable to your needs.
Bajaj Allianz - Health Guard Gold Plan
| # | Product Name | Heath Guard - Gold Plan |
|---|---|---|
| 1 | Sum Insured options | 3/4/5/7.5/10/15/20/25/30/35/40/45/50 Lacs |
| 2 | People to be covered | Proposer /Spouse /Parents/Sister/ Brother/ Father In law/ Mother In law/ Aunt/ Uncle 18 yrs to 65 years. Dependent Children/Grandchildren: 3 months – 30 yrs |
| 3 | Entry Age | 18 Years to 65 Years |
| 4 | Medical Test Required for | No Medical test upto 45 years |
| 5 | Policy Period | 1 Year, 2 Year and 3 Year |
| 6 | Renewable upto | Lifetime, For Dependent Children/ Grand Children- Renewal up to 35 years. |
| 7 | Pre and Post Hospitalisation | 60 Days Pre Hospitalization & 90 Days Post Hospitalization |
| 8 | Room Rent Limit on Per Day Basis | Single Private A/C Room for Sum Insured 3 Lacs to 7.5 Lacs, No Limit for Sum Insured 10Lacs onwards |
| 9 | Sub Limits on ICU Rent | Actuals (No Sublimit) |
| 10 | Day Care Proceedure | All Day care |
| 11 | Road Ambulance Cover | Rs 20000/- per policy year |
| 12 | Organ Donor | Upto Base Sum Insured |
| 13 | Waiting Period (Days) | 30 Days |
| 14 | Waiting Period - Accident Cover (Days) | Zero |
| 15 | Waiting Period for specified Illnesses | 2 Years |
| 16 | Waiting Period for Pre-existing Illnesses | 3 Years |
| 17 | Co-Pay | No Co-pay |
| 18 | Restore Benefit | 100% SI will be restored, in case SI is exhausted fully during the policy |
| 19 | Annual Health Check Up | Every 3 Years |
| 20 | No Claim Bonus | 10% Every Year for Claim Free Year, upto 100% |
| 21 | AYUSH Treatment | Upto Rs 20000/- per policy year |
| 22 | Domiciliary Hospitalization | Upto Base Sum Insured - Domiciliary Hospitalization should extend mininum 3 days and above |
| 23 | Maternity Benefit | After 6 Years, For SI 3L to 7.5L (15K for normal delivery and 25K for caesarean section) and from SI 10L to 50L (25000 for normal delivery and Rs. 35000 for caesarean section) |
| 24 | 2nd Medical Opinion | Available |