Bajaj Allianz individual health insurance plan-worth looking forward to

Health Insurances 137 views

You can choose Health Guard Individual Option Plan of Bajaj Allianz from the health insurance plans offered by Bajaj Allianz. The Health Guard Planect plan meets all your healthcare requirements by taking care of the costly medical treatment incurred during the hospitalization due to serious accidents or illnesses. With this plan in place, one doesn't need to bother about the sufficiency of the fund for treatment just in case things go undesired. Details related to the coverage of the policy is explained below.

Features & benefits

  • Entry age for proposer/spouse-18-65 years
  • Cover for children within the age of 3 months-25 years
  • Cashless facility at more than 4,000 network hospitals across India subject to conditions
  • Pre and post hospitalization cover for 60 days and 90 days
  • Ambulance charge cover for amount up to Rs 1,000
  • Cover for 130 daycare procedures subject to certain terms and conditions
  • Get family discount of 10%
  • Enjoy cumulative bonus for years on no claim
  • Maximum bonus can be up to 50%
  • Passage of cumulative bonus if there is a continued renewal of the policy with Bajaj Allianz
  • Medical tests (pre-policy check-up) necessary for members with age of 46 years and more
  • Arrangement of pre-policy check up at the company's network diagnostic centres
  • Refund of 100% cost of pre-policy check-up on the acceptance of the proposal and issuance of the policy
  • In case you opt for a hospital other than the ones in the network, the expenses incurred thereof can be reimbursed within 14 working days from the submission of all the documents
  • Get a health check-up free of cost at the designated diagnostic centres of the company after 4 continuous no-claim years
  • Avail tax benefit
  • You can cancel the policy within 15 days of receiving the documents if you are not satisfied with the coverage, terms and conditions provided you have not made any claim
  • Get the grace period of 30 days for the renewal of the existing policy
  • No higher premium will be charged upon claim in the previous policy
  • A team of para medics and doctors do health underwriting and settle claims
  • Single window facility to address healthcare services
  • Single point of contact settles claims quickly
  • Efficient in resolving customer queries in the better way
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Exclusion/conditions

  • Any disease contracted within the first 30 days of the policy will not be covered
  • Cover for diseases such as piles, hernia, cataract after a waiting period of 2 years
  • No coverage for treatment done through non-allopathic medicine
  • Exclusion of congenital external
  • Aesthetic, cosmetic treatments will be excluded
  • No cover for treatment due to intoxication of addictive materials such as drugs, alcohol
  • Coverage of joint replacement surgery after a waiting period of 4 years