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Bajaj Allianz Health Guard Policy-Brochure (Old)


This policy wording is applicable upto 14th August 2010. The new policy wordings applicable are available here.

What is the eligible age?

+Entry age for proposer is 18 yrs - 65 yrs. Policy can be renewed up to 80 yrs. +Children from 3 months to 5 yrs are eligible if both the parents are insured with Bajaj Allianz.

* Conditions apply


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Any restrictions on value of sum insured?

+Sum insured from Rs. 1lakh to Rs.10 lakhs can be opted from 3 months to 55 yrs. +Sum insured from Rs 1 lakh to Rs 5 lakhs can be opted from 56 yrs to 65 yrs. +No tests required for SI up to Rs.10 lakhs for age up to 45 yrs (Subject to clean proposal form.)

Is there any pre-policy check up for enrolling under Health Guard policy?

+No Medical tests up to 45 years, subject to clean proposal form. +Medical tests (pre-policy check up) are mandatory for members 46 years and above. +The pre-policy check up would be arranged at our empanelled diagnostic centers. +The validity of the test reports would be 30 days from date of medical examination. +100 % cost of pre-policy check up would be refunded if the proposal is accepted & policy is issued.

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.

+This policy has an option of voluntary deductible*. +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. Waiver of the co-payment clause is available on payment of additional premium. +20% Co-payment applicable for any insured person aged 56yrs and above, being covered for the first time in the Health Guard policy on or after 22nd June 2010. +Loading will be applicable on policies where there are 3 claims (paid) or more in previous three years with total amount exceeding Rs 50,000/-. The applicable loading would be 50%. Loading will be applicable only for the person for whom claim has been admitted and not for other family members covered under the policy. Loading will be applicable considering the expiring policies (max 3 years) and will be applicable fresh at every renewal. +Covers ambulance charges in an emergency subject to limit of

Rs.1000/-+130 daycare procedures are covered subject to terms & conditions +E-opinion rider cover inbuilt for sum insured of Rs. 5lacs, Rs. 7.5lacs and Rs. 10 lacs

What benefits do I get?

+Family discount of 10% is applicable

+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, and sinusitis shall be covered after a waiting period of 2 years

+Certain diseases such as joint replacement surgery , surgery for prolapsed inter vertebral disc (unless necessitated due to accident ), Surgery to correct deviated nasal septum and hypertrophied turbinate , congenital internal diseases or anomalies and laser treatment for correction of eye sight due to refractive error will have a waiting period of 4 years.

Bajaj Allianz

Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. 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 SE, and in-depth market knowledge and good will of Bajaj. Competitive pricing and quick honest response have earned the company the customer's trust and market leadership in a very short time.

The Bajaj Allianz Advantage

• HAT : In-house Claim Administration

• Innovative packages to match individual needs

• Quick disbursement of claims

• In house administration of hospitalization reimbursement claim

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 for 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/-)



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Medimanage is the only Dedicated Health Insurance Broker in India.
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