Bajaj Allianz Health Guard Individual Health Insurance

The Health Guard Individual Plan holds many amazing elements one can’t resist. To ensure the availability of proper medical care for people without letting their savings get exhausted, the plan carries basic to significant features. The basic components of the policy comprise in-patient hospitalisation treatment, pre and post hospitalisation, and so on. While the plan includes several major attractions as well which are as follow:

• Coverage for bariatric surgery or procedure
• Availability of coverage for listed daycare procedures
• Coverage related to maternity and a newborn baby is provided
• Cover the expenses of ambulance up to Rs. 20000 every policy year
• Free preventive health check-up is provided at every 3 years of plan
• Expenses incurred on organ donor are covered up to the sum insured
• Coverage for convalescence benefit is available for up to Rs. 7500 per year
• Option for Homeopathic and Ayurvedic hospitalisation cover is available
• The option of sum insured reinstatement on exhaustion of the sum insured

Apart from the features of coverage, the plan occupies some components to offer profits to policyholders. These extra benefits increase the value of the plan and make it a one-stop solution for many people. Following are the additional features of the plan:

• The option of lifelong renewability
• 10% cumulative bonus benefit is given for each claim free year up to 100%
• A family discount of 10% is offered for registering 2 members of the family, whereas, 15% is given for 3 members
• Long term policy discount of 4% is provided for taking 2 years plan and 8% is offered for 3 years plan
• Tax benefits are offered under the plan on the premium amount paid​

With so much to offer, we can conclude that the Health Guard Individual Plan is a perfect way to end your search for an individual health insurance policy.

If you are thinking of where to get this policy from? Just search for InsuranceDekho.com website and get all the information related to the plan. The website will guide you for claim settlement, purchase process and avoid plenty of paperwork.

Organ donor expenses cover the cost incurred in harvesting the organ from the donor.

Under convalescence benefit, if the insured is hospitalised for 10 days or more, the plan pays a lump sum benefit for recovery. This benefit depends on the sum insured opted. For Silver plan, the benefit amount is Rs. 5000. In Gold plan, the benefit amount is Rs. 5000 for sum insured of up to Rs. 5 Lakh. For higher sum insured levels the benefit amount is Rs. 7500.

After every 3 policy years the plan allows free health check-ups. The cost of the health check-up should be up to 1% of the sum insured or Rs. 2000 for Silver plan and Rs. 5000 for Gold Plan, whichever is lower. The check-up is allowed for each covered member under the plan.

Yes, treatments taken under Ayurveda, Unani, Siddha and Homeopathy are covered under the Gold plan variant. Maximum coverage for AYUSH treatments is, however, limited to Rs. 20,000 in one policy year.