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Bajaj Allianz The Health Guard Policy Brochure


How does the Health Guard policy benefit me?

In these times of rising medical costs, Bajaj Allianz's Health Guard Policy is the perfect Health protection to you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness. The policy covers pre and post hospitalization expenses and also ambulance charges in case of an emergency (subject to a limit of Rs. 1000/-)

What is the eligible age?

• Age from 5 to 55 years


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• Age at entry should not be over 55 years

• Children below 5 years: Eligible if the parents are concurrently insured

• With Bajaj Allianz

Any restrictions on value of sum insured?

• Sum insured value of Rs.7.5 lacs and Rs.10 lacs available only upto

• 40 years (subject to a clean proposal form and medical tests)

• Sum Insured above Rs. 3 lacs not available for persons above 50 years of age

What are the details of coverage the policy offers?

• With Health Guard, the member has access to cashless facility at various empanelled hospitals across India. (Subject to exclusions and conditions)

• 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

• Pre and Post hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization

• 10% co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital

• Covers ambulance charges in an emergency subject to limit of Rs.1000/-

• 126 daycare procedures are covered subject to terms & conditions

• E-opinion rider cover inbuilt for sum insured of Rs. 5 lacs, Rs. 7.5 lacsandRs.10lacs

What benefits do I get?

• Cumulative bonus of 5% to your sum assured for every claims free year

• Family discount of 10% is applicable

• Health Check up in designated Bajaj Allianz Diagnostic Centers or reimbursement up to Rs. 1000/- at the end of continuous four claims free years

• Income tax benefit on the premium paid as per section 80-D of the Income Tax Act

Any exclusion?

• All diseases/injuries existing at the time of proposing this insurance

• Any disease contracted during the first 30 days of commencement of the policy

• Certain diseases such as hernia, piles, cataract (liability restricted up to 10% of Sum Insured, max up to Rs. 25,000), and sinusitis shall be covered after a waiting period of 2 years

• Non Allopathic medicine

• Congenital diseases

• All expenses arising from AIDS and related diseases

• Cosmetic, aesthetic or related treatment

• Use of intoxicating drugs, alcohol

• Joint replacement surgery (other than due to accidents shall have a waiting period of four years)

Bajaj Allianz

Bajaj Allianz General Insurance Company is a dynamic partnership between two giants: Bajaj Auto Ltd. India's largest 2 & 3 wheeler giant and diversified into Auto Finance, Steel, etc. & Allianz AG, Germany the world's largest insurance company with 700 subsidiaries across 70 countries. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of the 110 year old Allianz AG, and in-depth market knowledge and good will of Bajaj Auto. Competitive pricing and quick honest response have earned the company the Customer’s trust and market leader ship in a very short time.

The Bajaj Allianz Advantage

1. Global expertise & local knowledge

2. Innovative packages to match individual needs

3. Quick disbursement of claims

In house administration of hospital reimbursement claim

Get yourself and your family covered by Health Guard today and sleep easy.

Cashless facility offered through network hospitals of Bajaj Allianz only.

Cashless facility is subject to mandatory pre authorization by Bajaj Allianz and subject to policy conditions.

* The network of hospitals is subject to change without notice.

* The company reserves the right to decline any proposal without citing any reason.

Disclaimer: The above information is only indicative in nature. For details of the coverage & exclusions please contact our nearest office.



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By vaishali on Apr 2, 2013 3:49 PM

Is there any thing like portability of medical insurance from public sector say new indin insurance to bajaj alliannz if so how
By S.P.Singh on Oct 1, 2011 12:45 PM

Pls forward my phone no 92160-84890,95922-53719 to your local representative in Ludhiana (Punjab)
By norbet irwin pinto on Jan 8, 2011 9:50 PM

thinking about it
Did you know?
Medimanage is the only Dedicated Health Insurance Broker in India.
Medimanage has managed more than 25000 claims end-to-end.
Medimanage insures more than 2 Lakh lives every year.
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