Individual Health Insurance

Health Insurance Plans For Family: Health Guard

Health cover for you and your family

WHY CHOOSE BAJAJ ALLIANZ FAMILY HEALTH INSURANCE?

Medical expenses don't show up with a warning. Your best bet to avoid spending your hard-earned life savings towards hospital bills is a robust health insurance policy.
With the Bajaj Allianz Family Health Insurance plan, each of your family members can avail an individual sum insured or you can opt for a Family Floater Plan. Your family enjoys cover from expenses incurred due to hospitalization, doctor's consultation, ambulance services, treatment charges and pre and post hospitalization expenses.

WE OFFER A WHOLE LOT WHEN IT COMES TO FAMILY HEALTH INSURANCE

KEY FEATURES

What makes Bajaj Allianz Family Health Insurance policy special? Read on to know more about the features of this policy:

Platinum Plan - New
Super cumulative bonus of 50% per claim free year

Recharge Benefit - New
To take care of claims where the claim amount exceeds your sum insured

Multiple sum insured options
Enjoy the flexibility to choose between 3 Plans variant along with the Sum Insured options ranging from 1.5 Lakh to 1 crore

Immediate family cover
This policy covers you, your spouse and your children.

Ayurvedic and homoeopathic treatment
Under the Gold & Platinum Plan, the policy covers in-patient hospitalization expenses (up to Rs 20,000) incurred in a recognized Ayurvedic/homoeopathic hospital where the admission period is not less than 24 hours.

Daycare procedures cover
Medical expenses incurred during the treatment of listed daycare procedures or surgeries are covered under this policy.

Convalescence benefit
In case of continuous hospitalization of more than 10 days, you will be eligible for a benefit payout of up to Rs 7500 per year, provided that the hospitalization claim is admissible

Bariatric surgery cover
Bariatric surgery is covered under medical advice, subject to certain terms and conditions.

Sum insured reinstatement
In case your sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, we will reinstate it.

Pre and post hospitalization
The policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalization.

Road ambulance cover
This policy covers ambulance expenses incurred up to Rs. 20,000 during per policy period

Organ donor expenses cover
Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy.

Daily cash benefit
A daily cash benefit of Rs 500 per day, for up to 10 days during each policy year, will be payable as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim.

Maternity/newborn baby cover
Maternity expenses and medical expenses towards treatment of a newborn baby are covered under the policy subject to certain terms and conditions. This feature is available under the Gold & Platinum Plan.


THAT'S NOT ALL, HERE ARE ADDITIONAL BENEFITS WITH YOUR FAMILY HEALTH INSURANCE POLICY
Our Family Medical Insurance Provides Various Benefits For You And Your Loved Ones:

Wellness benefit :
Maintain good health & get rewarded with wellness benefit discount up to 12.5% on your renewal

Renewability
This policy comes with the benefit of lifetime renewal.
Tax saving Avail income tax benefit under Section 80D of the Income Tax Act.

Hassle-free claim settlement
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process....

Preventive health check-up
At the end of block of every continuous period as mentioned in coverage during which You have held Our Health Guard Policy, You are eligible for a free Preventive Health checkup.

Portability benefit
If you and your loved ones are insured under any other family health insurance policy, you can switch to...

Long-term policy
This policy can be purchased for a period of 1, 2 or 3 years.

Discount on policy
Avail long term policy discount of 4% for 2 years and 8% for 3 years.

IMPORTANT POINTS TO NOTE BEFORE BUYING FAMILY HEALTH INSURANCE

INCLUSIONS

01.Preventive Health Check Up
At the end of block of every continuous period as mentioned in coverage during which You have held Our Health Guard Policy, You are eligible for a free Preventive Health checkup.

02.Ayurvedic / Homeopathic Hospitalization Expenses
(Applicable for Gold and Platinum Plan only) : If You are Hospitalized for not less than 24 hrs,

03.Covers mental illness
Below mental illness are insured with a waiting period of 2 years

04.Pre and post hospitalization
Covers pre and post hospitalization expenses, the occurrence of which must be 60 days prior to hospitalization or 90 days after hospitalization.

05.Family cover
Covers your entire family including parents, parents-in-law, grandchildren and dependent siblings.

06.Ambulance charges
Covers ambulance charges, subject to a limit of Rs 20,000 in a policy year.

07.Daycare
Covers expenses for all listed daycare treatments.

08.Organ donor expenses
Covers organ donor expenses sum insured.

EXCLUSIONS

01.A waiting period of 3 years will be applicable in case of pre-existing diseases.

02.Any disease contracted during the first 30 days of commencement of the health insurance policy ...

03.Diseases such as a hernia, piles, cataract and sinusitis will be covered after a waiting period of 2 years.

04.A waiting period of 3 years is applicable for bariatric surgery, joint replacement and prolapsed intervertebral disc.

05.Treatment for use of intoxicating and/or addictive substances such as alcohol, drugs, etc will not be covered.

06.A waiting period of 6 years for maternity/newborn expenses.