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Get coverage for hospitalisation expenses incurred due to illness or accidental injury sustained during the policy period.
Get a daily allowance of Rs. 500/day for up to 10 days as accommodation charges. You can avail the benefit in every policy year for in-patient hospitalisation. This applies to the policy with over one year term.
Get 100% of your basic sum insured on the policy restored if the coverage for in-patient hospitalisation gets exhausted during the policy term.
At the end of the three-year policy term, you are eligible to get free health check-ups as per the chosen plan. For the gold plan, get up to Rs. 2,000 and silver plan, get Rs. 5,000. Know about preventive health check-ups online.
Get coverage for in-patient hospitalisation up to Rs. 20,000 per policy term. Covers AYUSH treatments, room rent, nursing care, medicines, and consultations.
Covers 399 daycare procedures/surgeries taken in a hospital or daycare centre except for the outpatient department.
Show More Show LessGet coverage of up to Rs. 5 lakh, starting at Rs. 8,182*
Get coverage of up to Rs. 50 lakh, starting at Rs. 2,487*
Anyone can apply for Bajaj Allianz Health Guard Plan as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process for this health insurance policy.
A quick guide to how you can apply for the Bajaj Allianz Health Guard and secure yourself and family within minutes.
Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on ‘Next’ button to proceed.
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
Make the payment through net banking, UPI, debit, or credit card to buy the policy. After successful payment, your policy document will be available for you to download instantly. You will receive the policy document copy on your registered email ID within 5-7 working days. You will also receive an SMS confirmation immediately after processing the payment successfully. You can also access your policy details through the My Account section within 5-7 days after purchase.
Show More Show LessHere's a quick look at the policy details of the Bajaj Allianz Health Guard Plan.
| Policy details | Description |
|---|---|
| Policy type | Individual (self only)/family floater |
| Starting premium (in Rs.) | 6,962* |
| Sum insured (in Rs.) | Health Guard (Silver) plan: 1.5 lakh and 2 lakh | Health Guard (Gold) plan: 3 lakh and 35 lakh | Health Guard (Platinum) plan: 5 lakh and 35 lakh |
| Policy term | One, two, and three years |
| Renewal | Lifetime renewable (renewable up to 35 years for dependent children) |
Here’s a quick look the inclusions and exclusions under the Bajaj Allianz Health Guard Plan:
| Key inclusions | Description |
|---|---|
| Ayurvedic/Homoeopathic treatments | Covers expenses of in-patient hospitalisation of more than 24 hours up to Rs. 20,000 per policy term |
| Organ donor expenses | Covers organ donor's treatment up to the sum insured |
| Road ambulance cover | Get reimbursement up to Rs. 20,000 for road transportation to the hospital |
| Maternity expenses | Covers up to two deliveries or medically recommended terminations and pre-and post-natal hospitalisation | The waiting period to avail of this is 72 months |
| Newborn baby cover | Applicable on the gold plan only | Covers hospitalisation and vaccination of the newborn baby for up to 90 days |
| Key exclusions | Description |
|---|---|
| Dental treatment | Cosmetic surgeries, dentures, artificial teeth, etc |
| Substance abuse | Use or abuse of any substance drug or alcohol and treatment for de-addiction |
| HIV/AIDS | AIDS or similar conditions caused by variant/mutant viruses |
| Vaccination | Unless it is part of post-bite treatment or if medically necessary and recommended by treating doctor |
| Plastic surgery | Except in cases of cancer, burns or accidental bodily injury |
| Other exclusions | Mental/psychiatric illnesses and Parkinson's disease |
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
Follow these steps to raise claim requests for cashless hospitalisation with Bajaj Allianz General Insurance.
The cashless claim facility is available at 7,000+ network hospitals. Visit one of these for a stress-free experience. Click here to find a network hospital near you
Share the patient’s policy number and show your Bajaj Allianz cashless card along with valid identity proof (PAN, voter ID, passport) at the hospital.
Fill out and submit the pre-authorisation form at the hospital. The hospital will send this form to the Bajaj Allianz – Health Administration Team (HAT).
Once the verification is complete, the insurer will give the final confirmation within one working day and settle the claim directly with the hospital. The claim will be processed per the policy's terms and conditions.
In case of any queries, Bajaj Allianz team will contact the healthcare provider for additional information. Hospital needs to send the discharge summary, bills, and prescriptions on the day of discharge to the insurer. Upon receiving all the required documents, the insurer will send an authorisation letter within 7 working days. After clearing the formalities, insurer will settle the bills directly with the hospital.
To reimburse your hospital and medical expenses with Bajaj Allianz General Insurance, follow these steps.
Fill the reimbursement claim form online on the Bajaj Allianz website by entering your health ID card number. You need to file the claim form within 30 days after getting discharged from the hospital.
Collect and submit the necessary documents for claim settlement. You need to submit claim form, hospital discharge summary, bills, and prescriptions to the Bajaj Allianz – Health Administration Team (HAT).
Once the verification is complete, the insurer will give the final confirmation. The claim process is done as per the terms and conditions of the policy.
In case of any queries, Bajaj Allianz team will contact you for additional information. Upon receiving all the required documents, the insurer will settle your claim within 10 working days.
Show More Show LessHere is the list of documents that you need to raise a claim request with Bajaj Allianz General Insurance.
Click here to know more about the insurer.
Bajaj Allianz Health Guard Insurance secures you, your spouse and dependent children under the same policy. It covers medical expenses against pre-and post-hospitalisation, hospitalisation. The policy gives coverage against 399 daycare procedures and ayurvedic/homoeopathic treatments. You also get coverage for organ donor, maternity, and newborn baby.
What are the plans available under the Health Guard policy?There are three plan variants under Bajaj Allianz Health Guard Insurance policy:
1. Health-Guard (Silver) plan: Rs. 1.5 lakh and Rs. 2 lakh
2. Health-Guard (Gold) plan: Rs. 3 lakh and Rs. 35 lakh
3. Health-Guard (Platinum) plan: Rs. 5 lakh and Rs. 35 lakh.
Know more about the policy and get a quote online by clicking here.
The minimum entry age for the Bajaj Allianz Health Guard Insurance policy is 18 years for adults and 65 years for senior citizens. For dependent children, the age criteria are 90 days to 30 years.
What are the benefits of Bajaj Allianz Health Insurance?Bajaj Allianz Health Insurance offers you comprehensive plans at an affordable premium. It gives you and your entire family a financial coverage against unforeseen medical expenses. Bajaj Finance Limited partnering with Bajaj Allianz General Insurance offers three policies. You can choose from Health Guard, Global Personal Guard, and Extra Care Plus policies to cover your medical expenses.
These policies give coverage against pre-and post-hospitalisation, hospitalisation. Also, covers 399 daycare procedures and ayurvedic/homoeopathic treatments. You also get coverage for organ donor, maternity, and newborn baby. Visit our Insurance Mall section to check the plans.
Most insurance companies have a set upper and lower age limit for policyholders before offering their policy.
Co-payment is the percentage of the claim amount that the policyholder has to pay from their own pocket under a health insurance policy.
Daycare procedures are surgeries or procedures that less than 24 hours of hospitalisation.
Terminal illnesses are incurable ailments and diseases that are associated with a decreased life expectancy and are serious in nature.
*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third-party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under Bajaj Allianz Health Guard UIN: BAJHLIP23065V052223. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws which are subject to change in future. Please consult your tax advisor for more details. Visitors are hereby informed that by providing their personal or any information on our website they agree and understand that the information submitted by them may be shared with insurers.
Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.
*Premium mentioned in communication is applicable for a healthy male aged 18 years and is inclusive of taxes.
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