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Individual Health Insurance Plan

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Key Features

  • Sum Insured options ranging from 1.5 lacs to 50 lacs
  • Covers Pre & Post hospitalisation expenses
  • Sum reinstatement benefit
  • Policy term options of 1, 2 and 3 yrs
  • Free health checkup

Renewal Reminder

  I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to
contact me. It will override my registry on the DNCR. Read more

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Individual Health Guard

Complete Health Insurance Plan for Individual

With the sky-rocketing medical expenses, one should be covered with a health insurance policy. Having health insurance helps you get cashless medical treatment or reimburse your medical expenses up to the covered amount. It makes sure that proper medical care is available to a person without exhausting their savings and affecting their financial condition.

Hence, it becomes imperative to have a health cover in today’s time. Under this plan, each family member can avail an individual sum insured.The individual health insurance plan covers the expenses incurred due to hospitalization, doctor’s consultation, ambulance services, treatment charges and pre and post-hospitalization expenses. One of the key aspect of Bajaj Allianz health insurance is the extensive network of more than 5700+ network hospitals where policyholders can avail cashless treatment. Bajaj Allianz Health Guard does not require the pre-medical test up to the age of 45. Policyholders can also avail free health check-ups after 3 claim free years.


What Coverage Do I Get?

  • Sum insured options ranging from Rs. 1.5 lacs up to Rs. 50 lacs
  • The policy covers pre and post hospitalization expenses, which would have occurred 60 days prior to hospitalization or 90 days after hospitalization.
  • Access to cashless facility at over 5700 empanelled hospitals across India(subject to exclusions and conditions)
  • Extended family coverage: Now you can cover your parents, parents in law, grand parents, grand children, as well as dependent siblings
  • Covers ambulance charges subject to a limit of Rs. 20000 in a policy year
  • Sum insured reinstatement (For similar illness as well)
  • Covers expenses for all day care treatments
  • Policy term option of 1, 2 and 3 years
  • Lifelong renewal option

Why Health Insurance?

Why Individual Health Insurance

Zone wise Premium

Individual Health Insurance Plans - Features and Benefits

  • Family discount of 10% up to 2 members, 15% for 3 members
  • Long term policy discount of 4% for 2 yrs, 8% for 3 yrs
  • Discount of upto 20% for co-payment option
  • Organ donor expenses covered up to the sum insured
  • 10% cumulative bonus benefit for each claim free year up to 100%
  • Tax saving up to Rs. 60000 under Sec 80D*
  • No medical tests up to 45 years, subject to clean proposal form
  • Bariatric surgery cover
  • Convalescence benefit up to Rs. 7500 per year
  • Ayurvedic and Homeopathic hospitalization cover
  • Free preventive health checkup every 3 years, irrespective of a claim
  • Maternity and new born baby expenses cover
  • Daily Cash Benefit for Accompanying an Insured Child (Rs. 500 per day maximum up to 10 days, up to age 12yrs)
  • Health CDC benefit – quick claim settlement through app**

* On the health insurance premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60. If the premium paid by an individual is towards health insurance policy for his or her parent who is a senior citizen of age 60 or more, the maximum is capped at Rs 30,000. A taxpayer may therefore maximize tax benefit under section 80D to a total of Rs 55,000 if his age is below 60 If parents age is above 60. For those tax payer individuals who are of age 60 or more and are also paying health insurance premium for their parents, the maximum tax benefit under section 80D would therefore be a total of Rs 60,000.

**Health CDC (Claim by Direct Click) is a feature in the Bajaj Allianz Insurance Wallet App which enables you to raise claim requests up to Rs. 20000/- through the app. This is the easiest way to make claim requests as you upload all the required documents on the app and get regular updates of your claim status. The entire process is paper-less, hence it helps you save both time and money.


Exclusions

  • A waiting period of 3 years will be applicable in the case of pre-existing diseases.
  • Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from coverage.
  • Certain diseases such as hernia, piles, cataract and sinusitis shall be covered after a waiting period of 2 years.
  • Waiting period of 3 years for Joint replacement, PIVD
  • Treatment for use of intoxicating and/or addictive substances like alcohol, drugs etc. will not be covered
  • Waiting period of 3 years for bariatric surgery
  • Waiting period of 6 years for maternity/new born baby expenses

Eligibility for Individual health insurance

  • Entry age for proposer is 18 years to 65 years. The policy can be renewed for lifetime.
  • Entry age for child is 3 months up to 30 years

* Please see the brochure for more details.


Health Administration Team

  • The team consists of doctors and para medics who are responsible for health underwriting and claims settlement.
  • Provides single window assistance to all the health insurance policy holders for all health care related services.
  • In house team to resolve all issues related to health insurance customers
  • Faster Claim Settlement due to single point of contact.
  • Effective and quick resolution of customer queries by health insurance experts
  • Control over claims settlement and customer service due to the in-house capability

Meet the best Health Administration Team

Health Insurance Claim  Team

Customer Reviews

  • Govind Singh

    29 Nov 2017

    The best benefit offered by Bajaj Allianz in health insurance is Cashless claim procedure. Hats Off and keep up the good work.
  • Abhilasha Singh

    25 Nov 2017

    I am highly grateful to Bajaj Allianz Team who helped me in clearing some doubt and in purchasing Health Guard.

Frequently Asked Questions

1. Why Invest in an Individual Comprehensive Health Insurance Policy?

Under the individual health insurance plan, the individual alone earns all the benefits of the health policy

Covers all the key aspects like hospital expenses (also covers pre and post hospitalization expenses), room rent, doctor fees, ambulance charges etc.

A corporate health cover is generally not sufficient to cover overall medical expenses, hence a separate health insurance/mediclaim policy is a must-have

2. I am young and healthy. Do I really need health insurance?

As the medical expenses are increasing significantly, it makes sense to invest in a health insurance policy, irrespective of the age. Since the treatments costs are rising, and one hospitalization event can wipe off your savings, it is better to stay covered under sufficient health insurance plan. Also there is a significant increase in the number of life threatening diseases, which makes it imperative for every individual to have a sufficient health insurance cover.

3. What are the sum insured options under the Individual health guard policy?

The sum insured options for the Individual health guard policy varies from Rs. 1.5 lakhs to Rs. 50 lakhs.

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* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.