• Individual Health Policy:

             Are you covered against the unexpected illness or accidents in your life which erode all your savings. Bajaj Allianz's Health Guard Individual option plan is designed to suit all your health care needs. Bajaj Allianz health insurance plan takes care of your costlier hospitalization expenses from serious illness or accident. Now you don't ever have to worry about not having enough money for treatment in case things go wrong.

    Coverage under the individual health insurance policy:

    • Covers Hospitalization expenses on serious illness or accident.
    • Have access to cashless facility at our network hospitals.
    • 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 and conditions.

    Benefits of Bajaj Allianz Individual Health Insurance Policy:

    • Family discount of 10% is applicable.
    • 10% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed if continuously renewed with us.
    • No medical tests upto 45 years, subject to clean proposal form.
    • Medical tests (pre-policy check-up) are mandatory for members aged 46 years and above.
    • The pre-policy check up would be arranged at our empanelled diagnostic centers.
    • Family discount of 10% is applicable.
    • 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued.
    • 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.
    • Free Health check-up at designated Bajaj Allianz diagnostic centers at the end of 4 continuous claim-free years.
    • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
    • Due to unavoidable reasons, sometimes dates get pushed back a little. That's why you now have a grace period of 30 days for renewing your existing Bajaj Allianz policy. The policy will be considered as continuous for all the waiting periods.
    • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

    Terms & Exclusions under the Bajaj Allianz Individual Health Insurance Policy:

    • A waiting period of 4 years will be applicable in the case of pre-existing diseases.
    • Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage.
    • Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs.35,000) and sinusitis shall be covered after a waiting period of 2 years.
    • Treatment consisting of non-allopathic medicine will not be covered.
    • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
    • Cosmetic, aesthetic or related treatments will not be covered.
    • Treatment will not be covered for use of intoxicating and/or addictive substances like alcohol, drugs etc.
    • Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it is covered.

    Note: Policy details given are indicative, not exhaustive. Please contact us for further details For a complete list of coverage, terms and exclusions kindly contact us @ email - krishbajaj71@gmail.com,9884733043.