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Bajaj Allianz Individual Health Guard Insurance Plan

Bajaj Allianz Individual Health Guard Insurance Plan offers health coverage to individuals as well as their families. This plan offers coverage to you and your family most economically and adequately. You can choose the plan variant and sum insured options as per your requirements and budget. Let us look at the plan in detail:

Bajaj Allianz Individual Health Guard Insurance Plan is available in two variants:

  • Bajaj Allianz Individual Health Guard Silver Health Plan
  • Bajaj Allianz Individual Health Guard Gold Plan

Sum Insured options in Bajaj Allianz Individual Health Guard Insurance Plan

 Bajaj Allianz Individual Health Guard Silver Plan: INR 1.5 and INR 2 lakh

Bajaj Allianz Individual Health Guard Gold Plan: Starting from INR 3 lakh, 4lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, and 50 lakh

Entry Age Criteria

  • Entry age criteria for Proposer /Parents /Spouse/ Siblings/ Brother/ Mother/Father In law/Uncle/Aunt
  • For dependent children and grandchildren, the age limit is between 3 months and 30 years

Key Features & Benefits of Bajaj Allianz Individual Health Guard Insurance Plan

  • Entry age for health insurance cover is from 18 to  65 years
  • Entry age for children ranges  from 3 months to 30 years
  • No pre-medical tests  required up to the age of 45 years
  • 10% of family discount up to 2 members and 15% up to 3 members
  • 4% of policy discount for two years and 8% for three years
  • Co-payment option with discount up to 20%
  • Up to Rs. 7500 of convalescence benefit every year
  • Lifelong renewability option
  • Free preventive health checkup benefit in every three years
  • Daily cash benefits and Health CDC benefit  ( please check policy docs. for details)
  • Extended family coverage option - including parents, grandparents, in-laws, dependent grandchildren and siblings
  • Sum insured is a minimum of Rs. 1.5 lakh and a maximum up to Rs. 50 lakh
  • Tax saving under sec 80/D – up to Rs. 60,000

Inclusions of Bajaj Allianz Individual Health Guard Insurance Plan

  • Pre & post hospitalization expenses (90 days after and 60 days prior to hospitalization)
  • Policy term options of one, two and three years
  • Organ donor expenses covered
  • Bariatric surgery cover (after a waiting period of 3 years )
  • Maternity and newborn baby cover (after a waiting period of 6 years )
  • Ayurveda and Homeopathic treatment cover
  • Cashless claim facility in more than 5700 network hospitals across India(subjected to policy  conditions)
  • Ambulance charges covered up to Rs. 20000 per policy year
  • Reinstatement of the sum insured
  • All day care treatment expenses are compensated

Exclusions of Bajaj Allianz Individual Health Guard Insurance Plan

The insurer does not cover the following medical expenses:

  • Any disease or illness that is diagnosed in the initial 30 days from the inception
  • Two years of mandatory waiting period on certain specified diseases like cataract, hernia, etc. else treatment expenses will not be compensated
  • Pre-existing diseases will not be covered before a waiting period of 3 years
  • Prolapsed Inter-Vertebral Disc, Joint Replacement treatment are only covered after a waiting period of 3 years
  • An illness or treatment for overdose of drugs, alcohol consumption, and intoxication are not recompensed under any health insurance plan by Bajaj Allianz.

Claim Process of Bajaj Allianz Health Insurance Plans

For cashless hospitalization, the procedure is listed below -

  1. You need to undergo medical treatment at a network hospital to avail cashless medical cover.
  2. Start by filling the pre-authorization form at the hospital.
  3. Once all the details that are mentioned in the form are cross-verified, they will be sent to your insurance provider.
  4. Upon verification of the preauthorization request details with the policy inclusions, you will get approval from the insurer.
  5. Once you get an approval, you can start with the cashless treatment medical treatment.
  6. The insurance provider might seek additional details for approval (in some cases).
  7. Your hospital will be informed in case the claim gets rejected. In that case, you would require to pay the expenses, and then you can file a claim for reimbursement.

The reimbursement claim procedure is quite simple, and it goes as follows:

  1. Once you are discharged from the hospital, the insurance provider will ask you to submit all the documents such as cash memos, medical tests, payment bills, and prescriptions.
  2. Bajaj Allianz health claim team will verify all your documents.
  3. In case you are required to submit additional documents then it is better that you submit them in the stipulated time.
  4. Upon timely submission of documents, the claim process will start within 15 days of your claim request. Moreover, if you fail to submit the documents timely, then your claim request will be closed within 45 days.

So, you can buy this plan for self and your loved ones and avail the best medical treatment in India.

Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 30 Reviews)
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Bajaj Allianz Individual Health Guard Insurance Plan Reviews & Ratings
4.1 / 5 (Based on 30 Reviews)
(Showing Newest 15 reviews)
Abhinav
Kotagiri, October 20, 2016
Beneficial Plan
After a long web search, finally got a good health insurance policy from bajaj allianz general insurance. Policy coverage is high and claiming procedure is so simple which can be easily done through online website of the company. Even renewals are done through online portal service.
Nirmal
Meerut, October 05, 2016
Beneficial Product plan
Got bajaj allianz health insurance policy which gives full protection from every circumstances. Policy coverage is high and premium is less. The service delivered is fabulous which is always on time. Policy renewal is easy to make through online portal site of the company.
Shalu
Ambala, September 28, 2016
Bajaj Plan
Very attractive benefits that's why I purchased bajaj allianz general insurance and the product is health insurance which has low premiums. Service is fast and all company members are ready to help 24X7. Policy coverage is high ~90% and the claims are higher.
Ramanpreet
Iswarpur, August 26, 2016
Health is Wealth
Bajaj health insurance i have bought in normal premium is good. Service is superb with on time surety. Policy cover maximum expenditure with ambulance service which is absolutely free. Claiming is easy. Updates are simple to get through website of the company which is very easy to access.
Chandan
Nadigaon, July 27, 2016
Fair Policy
Bajaj allianz health insurance plan i have taken for my whole family because it's service is fast and the premium is less. The policy coverage is also good and covers maximum expenditures and bills. Claiming is simple and hassle free documentations.
Shankar
Kochi, July 21, 2016
Bajaj health plan
I have health insurance like everyone does in this risky time. Bajaj allianz insurance provides me the best deal in less investment. Service is super fast and online renewals are also possible. Thanks you for this great premium benefits and claiming is very simple.
Akroshi
Faridkot, July 01, 2016
Good
The health insurance policy is very much important as any other things for tension free living. The plan i bought is very good one and it has low premiums as well as investments. Policy coverage and claims are high and the internet web portal service is fantastic which is easy to use.
Bhavna
Faridabad, June 24, 2016
Health Care Insurance
My colleague introduce me a health insurance plan. The policy is good so I purchased it. The premium is low and claims are high. Service provided is good. Good number of hospitals and free ambulance service is the best. Updates are also mailed regarding insurance policy.
Prem
Ambedkar_nagar, March 11, 2016
superb health plan
Superb health insurance policy plan i had got from bajaj allainz general insurance. Policy coverage is 97% and the claims are approx. Rs.3.2 L. Services are great and with super sonic speed from executives and staff members. Great policy great work.
Ravindra
Gurgaon, March 11, 2016
Not Satisfactory
I had health policy plan with bajaj allainz general insurance. But the policy is not work's for me. It has low claims and policy coverage but the premium is high. Service is slow like a turtle. Less number of hospitals and assistance by staff members is not good.
Jiten
Muzaffarpur, March 11, 2016
Good Insurance
Large number of hospital are there for patient care and even ambulance is facilitate for free without taking any charges. Nice health insurance policy which you provide bajaj allainz general insurance. Policy coverage and claims are fine and investments are low.
Kunal
Kheda, March 11, 2016
Average
My health insurance plan is okay 'not good neither bad' which is buy from bajaj allainz general insurance. Policy coverage and claims are high but the premiums are low. Investment is around ~25 K and the return amount is ~Rs.18 L. Nice service with good behaviour is provided by the executives and staff.
Rohit
Gautam_buddha_nagar, March 11, 2016
Low policy coverage
Finally got health insurance policy plan of my choice from bajaj allainz general insurance. Policy coverage is 60% and claims are Rs.2.1 L. Ambulance is provided by the hospitals but don't take any charges because all are covered in policy plan. Nice Insurance plan.
Dinesh
Firozabad, March 11, 2016
"Health Care"
My policy plan is health insurance which i purchase from bajaj allainz general insurance. Policy coverage is 70% and the claims are approx. Rs.2.7 L. Investments are low and the payback returns are high. Ambulance is giving services for free and big number of hospitals are working under this.
Raghav
Babhleshwar, March 11, 2016
Less Claims
My health policy plan is with bajaj allainz general insurance. Policy coverage is high but the investments are low. Ambulance is facilitate for free. The only thing which you need to improve is claims, claims are very less and the claiming process is bit slow too.
Ganesh
Ashok_nagar, March 11, 2016
Fair plan for health
I have health insurance policy plan which i buy from bajaj allainz general insurance. The services you provide is fast and on time. Policy covers 80% of the cases. And claims are high but the premiums are low. Ambulance take the patient from home to hospital for proper care and it is absolutely free. Great work guys.
Hemant
Indore, March 11, 2016
Okay Health plan
I have health insurance policy plan with bajaj allainz general insurance. Policy coverage and claims are high {95%, ~Rs.2.8 L} but the premium is low {approx. 20 K, per year}. Ambulance is facilitate but charges may apply. Just the service you provided is bit slow, please improve your services.
Umakant
Faridabad, March 11, 2016
Good Insurance Policy
Policy coverage is high ~92% and the claims are Rs.2.3 L. Ambulance is also provided from hospitals for free of any charges. Large number of hospitals are there for serve the patients. Nice health insurance policy plan from bajaj allianz general insurance.
Waqar
Ahmednagar, March 11, 2016
Fantastic plan
Policy I have is health insurance and i buy it from bajaj allainz general insurance. Really had great experience with the executives and staff members, nice behaviour with clients. Policy coverage and claims are high but the premium is low. Fast services...
Jitender
Balussery, March 11, 2016
Bad Policy
My health insurance policy plan is with bajaj allainz general insurance but the policy is really bad. No one listen and services are very poor. Policy coverage is 30% and the claims are ~30K. Ambulance is not included in policy plan. Really had bad experience.
Rahul
Hapur, March 11, 2016
Perfect plan
I have my health insurance like everyone else but the thing is i buy it from bajaj allainz general insurance. The best service providing by you guys. Policy coverage and claims are high and the premiums are low. Payback returns are around Rs.16 L. Ambulance is facilitate for free.
Tarun
Amritsar, March 11, 2016
Low policy coverage
I own health insurance policy plan from bajaj allainz general insurance which has low investments. Service is fast and the hospitals providing ambulance too for extra care. Claims are high ~Rs.3 L. Just the problem is policy coverage is not that good as i expected. Rest all things are clean and clear. Nice terms and conditions.
Prashant
Port_blair, March 11, 2016
above average
Bajaj allainz general insurance provides me an above average policy plan i.e., Health insurance. Policy has huge number of hospitals for fast assistance of patients and ambulance is also send for patient to securely reach to the hospital. Policy coverage and claims are high but the premiums are low.
Sidharth
Ahmedabad, March 11, 2016
Average plan
My health insurance policy plan is an average one which i bought from bajaj allainz general insurance. Policy coverage and claims are high but the premiums are low. Ambulance is come to door steps for pick up the patient and the then for drop also. Hospitals are also good in range and providing nice services.
Abhishek
Agra, March 11, 2016
Fair Policy
My health insurance policy plan is with bajaj allainz general insurance. it has good returns and the investment is less. Policy coverage and claims are high. Payback amount is 13L. Large number of hospitals are giving nice hospitality with full care and treatment.

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