Health Guard
Bajaj Allianz
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Covers normal room charges up to 1% of the sum insured per day and actual ICU expenses, ensuring financial relief during hospitalization.
Comprehensive Advanced Treatment Coverage
Covers robotic surgeries, oral chemotherapy, stem cell therapy, and stereotactic radio surgeries, providing financial protection for modern and life-saving medical procedures.
Policy Wording
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Our Verdict
The Bajaj Allianz Health Guard Family Floater Plan offers extensive coverage, including maternity and wellness benefits. Ideal for families seeking comprehensive health protection with flexibility and lifetime renewability, at competitive premiums.
About the Plan
The Bajaj Allianz Health Guard Family Floater Plan offers comprehensive medical coverage, including hospitalization, pre- and post-hospitalization, daycare procedures, and ambulance charges. With a sum insured from ₹1.5 lakh to ₹50 lakh, it covers modern treatments, organ donor expenses, and pre-existing diseases after a waiting period. Available in Silver, Gold, and Platinum variants, it includes cashless treatment, annual health check-ups, maternity cover (Gold & Platinum), and tax benefits. With lifetime renewability and wellness programs, it ensures extensive healthcare protection at competitive premiums.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Max 1% per day of Sum Insured opted.
ICU: Pay up to actual ICU expenses provided by the Hospital.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
Zone A city will have to pay 20% copayment on admissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.
Waiting Periods
Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:
Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:
Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Cashless Healthcare Providers
18,400+ Network Hospitals across India.
Day Care Treatments
Covers treatment or surgery that requires less than 24 hours hospitalization.
AYUSH Treatment
Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.
Exclusions
Pre-existing diseases not disclosed during policy inception.
Cosmetic or aesthetic treatments, unless medically necessary due to injury.
Treatment for self-inflicted injuries or attempted suicide.
Expenses related to substance abuse, including drugs and alcohol.
Medical costs arising from participation in hazardous activities or sports.
Treatment for illnesses or injuries resulting from war, terrorism, or civil unrest.
Procedures related to fertility, sterilization, or contraception.
Non-allopathic treatments, unless specified otherwise in the policy.
Expenses for routine eye and ear examinations, including the cost of spectacles and hearing aids.
Dental treatments or surgeries, unless necessitated by accidental injury.
Exclusions
Sum Insured Enhancement - Increase coverage limit to manage higher medical expenses effectively.
Health Check-up - Avail periodic medical examinations to monitor and maintain health.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, a leading global insurer, and Bajaj Finserv Limited. Established in 2001, the company received its registration from the Insurance Regulatory and Development Authority of India (IRDAI) on May 2, 2001, to conduct general insurance business in India.
Headquartered in Pune, Maharashtra, Bajaj Allianz offers a comprehensive range of insurance products, including motor, health, travel, home, cyber, and commercial insurance, catering to individuals, businesses, and communities. Over the years, the company has expanded its presence across approximately 950 towns in India, making it one of the largest private insurers in the country.
Bajaj Allianz has received several accolades, including being adjudged as the "Best General Insurance Company in the Private Sector" by ABP News - Banking, Financial Services Awards in 2014.The company's vision emphasizes being the first choice insurer for customers by delivering innovative solutions and seamless experiences
About the Company
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