Benefits of Bajaj Allianz Health Guard

Bajaj Allianz’s Health Guard is a perfect health insurance for you and your family. It covers hospitalization, pre and post hospitalization and other related medical expenses.

Health Guard covers all hospitalization expenses for more than 24 hours of hospitalization. There is no sub limit on room rent and other expenses. It covers pre and post hospitalization expenses  up to 60 days prior and 90 days after  hospitalization. Pre-existing diseases are covered after 4 continuous policy years.

The policy also covers around 130 day care procedures, subject to term and conditions. In the event of emergency ambulance charges are covered, subject to a maximum limit of Rs.1000/-.

The policy offers cashless hospitalization service at over more than 4000 network hospitals across India. If the treatment is taken non network hospitals, 10% co-payment is applicable. Waiver of co-payment is available on payment of additional premium. The cumulative bonus of 5% is provided on sum insured for every claim free year. A family discount of 10% is offered on sum insured. Premium paid is eligible for tax benefit under section 80 of the Income Tax Act,1961.

Eligibility-
The policy covers persons aged above 3 months and up to 55 years. The proposer’s aged should be above 18 years. The policy is renewable up to the age of 70 years. Children from 6 years to 18 years can be covered, if one of parent is insured under this policy. There is no pre-medical examination up to age 45 years for the sum insured of Rs.10Lakh.