Bajaj (Formerly known as Bajaj Allianz) Individual Health Guard Insurance Plan

Plan highlights

Premium starts

₹243/month

Inclusions

10+ benefits

What's covered

• ✓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

Exclusions

• ✗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 (Formerly known as Bajaj Allianz).