Bajaj Allianz Health Guard

Key features

• ✓Three variants: Silver, Gold, Platinum (increasing benefits)
• ✓In-patient hospitalisation
• ✓Pre-hospitalisation (60 days)
• ✓Post-hospitalisation (90 days)
• ✓Day-care procedures (130+)
• ✓Road ambulance cover
• ✓AYUSH in-patient treatment
• ✓Organ donor expenses
• ✓Cumulative bonus on claim-free renewal
• ✓Reinstatement / Recharge benefit (Gold/Platinum)
• ✓Family floater option
• ✓Lifelong renewability

What’s included

• ✓Hospitalisation room, boarding, nursing
• ✓ICU charges
• ✓Pre-hospitalisation (60 days)
• ✓Post-hospitalisation (90 days)
• ✓Day-care procedures
• ✓Domiciliary hospitalisation
• ✓Road ambulance
• ✓Organ donor expenses
• ✓AYUSH in-patient treatment
• ✓Modern treatments (per IRDAI 2019 circular)
• ✓Preventive health check-up

What’s excluded

• ✕Pre-existing diseases during waiting period
• ✕Specified diseases during 24-month waiting
• ✕Cosmetic and aesthetic procedures
• ✕Self-inflicted injury
• ✕Substance abuse / intoxication
• ✕War and nuclear perils
• ✕Adventure sports injuries (unless declared)
• ✕Treatment outside India (unless variant permits)

Eligibility

Min age

0 years

Max age

65 years

Max entry age

65 years

Covers

Self, Spouse, Dependent children, Parents, Parents-in-law, Siblings (limited)

Policy term

1/2/3 years (lifelong renewability)

PED waiting period

3 years

Initial waiting

30 days (except accidents)

Co-payment

Optional 10/20%

Room rent

Up to 1% of SI per day

No-claim bonus

Up to 150% cumulative