Waiting period of 4 years is applicable for pre-existing diseases Cosmetic, aesthetic, or related treatments will not be covered. Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered. Treatments consisting of non-allopathic medicine are not covered under this policy. Joint replacement surgery, congenital internal diseases, and laser treatment for eyesight correction shall have a waiting period of 4 years. Eligibility Criteria Entry age for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option. Children from 3-5 years can also be covered under the policy. Entry age for dependent Children is 3 months to 25 yrs. Micro-Insurance Business Of Bajaj Allianz Life Expected To Grow Bajaj Allianz Selects Remedinet Technologies to Offer Speedy Cashless Insurance Settlement Health Care Supreme by Bajaj Allianz Insurance Surgical Protection Plan got Recently Introduced by Bajaj Allianz General
Cumulative Bonus For every claim free year you are eligible for Cumulative Bonus (CB) of 10% of sum insured. Maximum cumulative bonus would be 50% of sum insured up to 5 claim free years. In case there is a claim, cumulative bonus gets reduced by 10% of the sum insured at the time of next renewal. Free Health Check-up At the end of block of every continuous 4 claim-free years, free medical checkup at the empanelled Diagnostic Centre. List of tests given for reference: Physician Consultation, ECG, Complete Blood Count, Fasting, Blood Sugar, Lipid Profile, Serum Creatinine, SGOT, SGPT and Urine Routine Income tax benefit on the premium paid as per section 80- D of the Income Tax Act
Annual premium in Rupees *The above premium rates may vary. Please check the policy wordings for more information. Bajaj Allianz Family Floater Health Guard Policy Details Minimum Sum Assured – 2 lakhs Maximum Sum Assured – 10 lakhs for entry age up to 55 years and 5 lakhs for individuals above 55 years but below 65 years. Coverage Type: Self, Spouse, dependent children can be covered under Health Guard Family Floater Policy. For Parents separate Health Guard Family Floater Policy to be issued. No Claim Bonus: For every claim free year you are eligible for Cumulative Bonus (CB) of 10% of sum insured. Maximum cumulative bonus would be 50% of sum insured up to 5 claim free years. In the event of a claim, Cumulative Bonus will be reduced by 10% of the sum insured on the next renewal. Grace Period: 30 days grace period is allowed in case of renewal. If policyholder fails to make payment within the grace period, the 2 year or 4 year waiting period shall start afresh. Portability: If you are insured under any other health insurance policy of Non-life insurer you can transfer to Bajaj Allianz Health Guard Individual policy. Policy Termination: Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded. Free Look Period: If you are not happy with the coverage and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. Inclusions in Bajaj Allianz Health Guard Plans: The policy covers pre and post hospitalization expenses for 60 and 90 days respectively. Emergency ambulance charges of Rs. 1000 per hospitalization. Daycare procedures are covered for listed 130 day care procedures subject to terms and conditions. Additional Features or Riders Quick disbursement of claims. Children aged 3 months to 25 yrs are eligible if both the parents are insured Free health check-up on 4 continuous policy renewals Cashless facility at over 3700+ empanelled hospitals across India.
