Individual Health Guard from Bajaj Allianz Life Insurance

Bajaj Allianz’s Individual Health Guard plan is designed to suit all your health care needs. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious illness or accident.

Your health is precious to you – it enables you to live your life the way you please. But a sudden illness or accident can put a stop to your way of living and empty your savings. Protect yourself with the Bajaj Allianz Individual Health Guard – an all-round policy that covers you against medical expenses including hospitalization, in the event that you fall ill or have an accident. Now you don’t ever have to worry about not having enough money for treatment in case things go wrong.

 

Key Features

• The policy covers hospitalization expenses for you.
• You will have 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.

 

Benefits

• 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.
• 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.
• 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.
• 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.