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
Exclusions in Bajaj Allianz Family Floater Health Guard Insurance
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.
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.
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