About

Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Auto Limited and Allianz AG of Germany. It received the Insurance Regulatory and Development Authority (IRDA) certificate of Registration (R3) on May 2nd, 2001 to conduct General Insurance business (including Health Insurance), in India.

The company has a network of about 42 offices spread across the length and breadth of the country, which are connected with the Head Office at Pune.

Health Guard Individual Policy (2016)

It is an individual policy that covers all expenses on hospitalization due to sudden illness or accident.

The member can avail cashless facility at over 4000hospitals across India

The member can opt for hospitals besides the empanelled ones, in which the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.

Pre and post - hospitalization expenses cover relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
Cumulative bonus of 5 % is added to the sum assured for every claim-free year.
Family discount of 10 % is applicable.
Covers ambulance charges in an emergency subject to limit of Rs. 1000/-
Covers 130 daycare procedures subjected to terms and conditions
No medical tests required up to 45 years up to Sum insured (SI) 10 lakhs.
10% co-payment applicable if treatment taken in non-network hospitals. Waiver of co-payment is available on payment of additional premium
Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz

Benefits:

In-house health administration team for hospitalization claims to lower turn around time
Access to over 4000 hospitals all over India for cashless facility.
No sub-limits applicable on room rent and other expenses.
Hassle-free claim settlement due to in-house claimadministration.
Income tax benefit on the premium paid as per section 80-Dof Income Tax Act as per existing IT law.
Health check up for maximum amount of Rs.1000/- at theend of continuous four claim free years
Family discount of 10% is applicable

Coverage:

10 lakhs coverage available from 3 months up to 55years
Policy can be renewed up to 70 years
In built E-opinion cover for SI 5 lakhs & above.

Exclusions:

Does not cover expenses for any disease acquired during the first 30 days of commencement of the policy.
Coverage for certain diseases such as sinusitis, hernia, cataract and piles will be provided only after 2 years
Coverage for joint replacement surgery will be provided after 4 years
No coverage for non-allopathic treatments
Does not offer coverage for cosmetic surgeries, drug and alcohol intoxication and congenital external diseases

Hospital Cash

It is a special cover that covers non-medical expenses incurred during the course of treatment at hospital/nursing home.

This is a benefit policy which covers the incidental expenses incurred during the hospitalization period. In the event of hospitalization this policy provides a cash allowance of Rs 500/- to Rs 2500/- for each day of hospitalization.

Hospital Cash Covers Non Medical Expenses

Features:

The policy pays a daily allowance as a fixed benefit on hospitalization.
The policy can be taken along with any other health insurance policies.
The allowance is doubled in case of ICU admission (for maximum 7 days).
Photocopy of discharge card, along with copies of reports, bills and prescriptions required for claims processing.
It is a unique policy covering incidentals or miscellaneous expenses in-case of hospitalization.

Benefits:

Covers miscellaneous expenses incurred during hospitalization.
Comprehensive coverage with nominal premium.
Premium amount up to Rs.15000/- p.a. is eligible for tax exemption under section 80-D of Income Tax Act as per existing IT law.
Dependent spouse and children can be also covered under this policy.
5% family discount is applicable if cover taken for family.

Coverage:

SI available from 500-2500.
Cover available for 30days & 60 days.

Exclusions:

Does not cover dental treatment and surgery, pregnancy and childbirth
Injuries due to natural calamities are not covered
No coverage for accidents resulting from drunken driving

Critical Illness - Guaranteed Lump Sum Payment

This is a benefit policy which pays the SI as lump sum amount once you are diagnosed with one of the listed critical illness.

Cancer	Primary Pulmonary Arterial Hypertension
Multiple Sclerosis	First Heart Attack
Paralysis	Stroke
Coronary Artery Bypass Surgery	Kidney Failure
Major Organ Transplant	Aorta Graft Surgery
Neuro Surgery	Joint Replacement Surgery

Features:

Covers 12 major illnesses like cancer, heart attack, paralysis, etc.
The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis
Medical examination may be required in some cases based on the age and the benefit amount opted by the proposer.

Benefits / Advantages:

Very competitive premium rates
The insured receives the amount as lump sum so that he can plan the treatment accordingly
Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover
Premium paid is exempt under the section 80-D of Income Tax Act as per existing IT laws. Hassle-free in-house claim settlement.

Coverage:

SI available from Rs 1,00,000 to Rs. 50,00,000.
Age band – 6 yrs – 59 Years.

Personal Guard

It is a policy that covers expenses incurred during the course of an accident.

Features:

Covers death, permanent total disability and permanent partial disability, and temporary total disability
Children#$#s educational bonus benefit.
Daily hospital confinement allowance payable in case of hospitalization due to accident
Medical expenses reimbursement in case of hospitalization due to accidents

Benefits:

Highest compensation of 125% of the SI in case of permanent total disability.
Children#$#s education is not hampered due to your accidental death or injury
Hassle free in house claim settlement.
Cumulative bonus @ 5% per claim free year to a maximum of 50%.
Family discount of 10%

Coverage:

Covers death, permanent partiality disability, permanent total disability, & temporary total disability.
In case of temporary total disability 1% of SI or Rs 5000/- week (whichever is lesser) will be payable up to a maximum of 100 weeks.

Silver Health Policy For Senior Citizens

A health insurance policy for 46 years and above. Bajaj Allianz’s Silver Health plan is exclusively designed for the senior citizens, which covers medical expenses incurred during hospitalization period.

Features:

Pre-existing diseases covered from the second year of the policy.
A flat benefit of 3% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses.
Cashless facility: With Silver Health plan, the member has access to cashless facility at various network of over 5000 hospitals across India (subject to exclusions and conditions)
If admission in non-network hospitals the expenses incurred would be reimbursed within 14 days from the submission of all documents.
20% of co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital.
Waiver of co-payment is available on payment of additional premium.

Advantages:

Cumulative bonus of 5 % added to your sum assured for every claim free year.
Health check up at the end of continuous four claim free years.
Family discount of 5 % is applicable.
Income tax benefit on the premium paid as per section 80-D of the Income Tax Act as per existing IT law.

Coverage

Policy can be taken form 46-70 yrs
Renewal up to 75 yrs
SI can be opted form 50,000/- – 5, 00,000/-.

Exclusions:

Does not cover expenses for any disease acquired during the first 30 days of commencement of the policy.
Coverage for certain diseases such as hernia, cataract, piles, benign prostatic hypertrophy, hysterectomy will be provided only after 1 year
Coverage for joint replacement surgery will be provided after 4 years
No coverage for non-allopathic treatments
Does not offer coverage for cosmetic surgeries, drug and alcohol intoxication and congenital external diseases
No coverage for mental or psychiatric illness

Health Ensure

This policy covers hospitalization expenses due to seious accident or illness.

Features:

Pre-existing diseases covered after 2 yrs continuous renewals with Bajaj Allianz.
A flat benefit of 2% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses.
Access to more than 5000 hospitals for cashless facility
In case of admission in non-network hospitals the expenses incurred would be reimbursed within 14 days from the date of submission of all documents

Advantages:

No tests required up to the age of 55 yrs
Health check up at the end of continuous four claim free year
130 day care procedures covered
In case of emergency ambulance charges covered subject to a maximum of Rs. 1000/- per policy period.
Hassle free claim settlement due to in house claims administration team
Family discount of 5 % is applicable
Income tax benefit on the premium paid as per section 80-D of the income Tax Act.

Coverage:

Policy can be taken from 3 months to 65 yrs
Lifetime Renewal
SI - 50,000/-, 75000/-, and 1 lakh.

Insta Insure

A health insurance policy for the entire family.In these times of rising medical costs Bajaj Allianz#$#s Insta Insure Family Health Policy is the perfect health protection for you and your family. It takes care of the medical treatment costs incurred during hospitalization due to serious accident or illness. The policy also pays an amount equivalent of 2 % of admissible hospitalization expenses towards pre and post hospitalization medical expenses and ambulance charges in case of emergency (subject to a maximum of Rs1000). The proposer (self insured) under the policy is also covered for a sum insured of Rs1 lakh against death due to accident

3 Easy Steps:

Select your desired insurance plan
Pick the kit to fill the proposal form
Pay your premium by vheque/card/cash and get insured

Features:

A single family floater policy to cover hospitalization expenses & personal accident benefit
Hassle free policy, health & personal accident (PA) cover for healthy individuals without any history of pre-existing diseases.
The cover starts once the KIT is activated by generating the authentication number
Entry age restricted up to 45 yrs and no medical underwriting (subject to clean proposal)
Policy can be renewed till proposer attaining an age of 70 yrs
Access to over 2400 hospitals for cashless facility

Benefits:

Complete protection to the family for hospitalization expenses
All the family members can be covered under a single SI for a single premium (Floater Cover)
Death-cover for the proposer.
Hassle free policy issuance without medical tests
Income tax benefit on the premium paid as per section 80D
Covers emergency ambulance charges

Coverage:

1 lakh family floater cover towards hospitalization expenses & 1 lakh death cover for the proposer
The policy covers ambulance charges in case of emergency subject to a maximum of Rs 1000
130 day care procedures subject to terms and conditions
Pre-existing diseases covered after 4 years continuous renewals. A flat benefit of 2% of admissible hospitalization expenses towards pre and post hospitalization medical expenses

Eligibility:

Age of proposer 18 years to 45 years
Age of entry 3 months to 45 years
Policy renewed continuously up to age 70 years
No pre-existing ailment

Premium

Self	Rs. 1,500/-
Self + Spouse	Rs. 2,050/-
Self + Spouse + 1 Child	Rs. 2,300/-
Self + Spouse + 2 Children	Rs. 2,500/-

Sankat Mochan Policy

A special policy on accidental injuries. Bajaj Allianz General Insurance Company introduces Sankat Mochan policy which assures complete protection from accidental injuries. Sankat Mochan policy covers death, permanent disability, temporary disability, accidental hospital cash and accidental hospitalization expenses.

Features:

Highest compensation of 125% of the SI in case of permanent total disability
Inbuilt children#$#s educational bonus benefit
Daily hospital confinement allowance payable in case of hospitalization due to accident (As per the plan opted)
Medical expenses reimbursement in case of hospitalization due to accidents
No health check up required

Benefits:

Personal accident benefit and accidental hospitalization expenses are covered under a single policy
Hassle free in-house claim settlement with minimal documentation
This policy also covers terrorism related accidental losses for the victims

Coverage:

Covers death, permanent partiality disability, permanent total disability, & temporary total disability

Sankat Mochan Policy Covers Total Disability

In case of temporary total disability, 1% of SI / week will be payable up to maximum of 100 weeks

Exclusions:

Accidental bodily injury:-

through suicide, attempted suicide or self inflicted injury or illness
while under influence of liquor or drugs
through deliberate or intentional, unlawful or criminal act, error, or omission, aviation or ballooning,
participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs. - result of curative treatments or interventions carried out
participation in any naval, military or air force operations whether in the form of military exercises or actual war

Consequential losses of any kind or your actual or alleged legal liability
Venereal or sexually transmitted diseases
HIV (Human Immunodeficiency Virus) / AIDS
Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these
War (Whether declared or not), Nuclear energy, radiation etc.

Guidelines:

This policy can be given only for risk Class 1 and 2:

a) Risk Class I:

Insured is mainly engaged in administrative or managing functions, accountant, doctor, lawyer, architect, consulting engineer, teacher, and banker or primarily engaged in a similar occupation.

b) Risk Class II:

Insured is engaged in manual labor, garage or motor mechanic, machine operator, paid driver of a car, a truck, a lorry or other heavy vehicles, cash carrying employee, wood wording machinist or a builder – contractor and engineer in superintending functions, veterinary doctor, or engaged in a similar occupation

Entry age for self and spouse-18 years – 65 years, renewal up to 65 years

Entry age for children – 5years – 21 years

Basis of Determining the Sum Insured for PA

Basic: Maximum 100 times of monthly income
Wider: Maximum 60 times of monthly income
Comprehensive: Maximum 24 times annual income or maximum of 5 Lakhs (not to be given to risk category III)
The capital sum insured not to exceed 120 times the monthly income

Plans:

Total 16 plans
Self can choose the plan as per the requirement and commensuration of income
Spouse can be covered under Plan 1-5
Children can be covered under plan 1-3 only, comprehensive cover not available for children

Sankat Mochan Plans

Plans	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5	Plan 6	Plan 7	Plan 8
Basic	200000/-	100000/-	0	0	0	0	0	0
Wider	0	0	100000/-	0	200000/-	0	0	300000/-
Comp	0	0	0	100000/-	0	200000/-	200000/-	0
Acc Hosp.	10,0000/-	50,000/-	50000/-	50,000/-	100000/-	100000/-	100000/-	100000/-
Acc Hosp. Cash	0	1000/-	1000/-	1000/-	1000/-	0	1000/-	0
Final Premium Risk class 1*	240/-	470/-	525/-	575/-	650/-	450/-	750/-	450/-
Final Premium Risk class 2*	270/-	485/-	550/-	625/-	700/-	550/-	850/-	525/-

Plans	Plan 9	Plan 10	Plan 11	Plan 12	Plan 13	Plan 14	Plan 15	Plan 16
Basic	0	0	0	0	0	0	0	200000/-
Wider	300000/-	0	0	0	0	0	0	200000/-
Comp	0	300000/-	300000/-	500000/-	500000/-	500000/-	500000/-	200000/-
Acc Hosp.	100000/-	100000/-	100000/-	100000/-	100000/-	200000/-	200000/-	200000/-
Acc Hosp. Cash	1000/-	0	1000/-	0	1000/-	0	1000/-	1000/-
Final Premium Risk class 1*	750/-	600/-	900/-	900/-	1200/-	1050/-	1350/-	1190/-
Final Premium Risk class 2*	825/-	750/-	1050/-	1150/-	1450/-	1300/-	1600/-	1370/-

*Premium rates exclusive of service tax.

*Disclaimer: The above information is indicative in nature and for more details on the coverage, terms and exclusions please get in touch with our nearest office

Family Floater Health Guard

It is a floater health policy specially meant for the entire family. Everyone is entitled for a quality medical care. But with the increasing costs of these services it is difficult to manage the expenditure. To deal with such untoward incidences, Bajaj Allianz#$#s Family Floater Health Guard Policy is the perfect health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness.

Features:

Family Floater Plan with sum insured 2 lakhs to 10 lakhs
Complete protection to the family for hospitalization expenses under single sum insured
No tests are required up to the age of 45yrs subject to clean proposal forms
Pre and post – Wide coverage of 60 days pre & 90 days post hospitalization expenses
The policy covers ambulance charges in case of emergency up to Rs 1000/-
10% co- payment applicable if treatment taken in non-network hospitals. Waiver of co-payment is available on payment of additional premium
Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz
Free medical check up for all family members covered under the policy at the end of every continuous period of 4 years.

Benefits:

Hassle free in house claims settlement
Access to over 4000 hospitals all over India for cashless facility
Health check up for maximum amount of Rs. 1000 /- at the end of continuous four claim free years, this benefit is given for only 1 member of the family
Income tax benefit on the premium paid as per section 80D

Coverage:

Sum insured options – Rs 2 lakhs – Rs 10 lakhs
Entry age – 3 months – 55 years
Policy can be renewed up to 70 years

Exclusions:

Does not cover expenses for any disease acquired during the first 30 days of commencement of the policy.
Coverage for certain diseases such as sinusitis, hernia, cataract and piles will be provided only after 2 years
Coverage for joint replacement surgery will be provided after 4 years
No coverage for non-allopathic treatments
Does not offer coverage for cosmetic surgeries, drug and alcohol intoxication and congenital external diseases
No coverage for AIDS and related diseases

Tax Gain Plan

Bajaj Allianz has designed a unique product - The Tax Gain plan, which is a Family floater health policy which covers out patient (OPD) expenses & hospitalization expenses under a single policy and also helps you in your tax management.

Features:

OPD & Hospitalization expenses covered under a single policy on floater basis
Access to over 5000 hospitals all over India for cashless facility.
Covers ambulance charges in case of an emergency up to Rs 1000/-
130 day care procedures subject to terms & conditions
10% co-payment of the admissible claim amount applicable if treatment is taken in non-network hospital, waiver of co-payment is available on payment of additional premium.
Provides benefit of health check-up at the end of each four (hospitalization) claim free policy periods. Tests as specified in the schedule. This benefit can be opted by any one insured member.

Benefits:

A single policy or cover can be continued till a person reaches 75 yrs.
The premium slabs remain same from 18 yrs -55 yrs & 56- 75 yrs
No restrictions of waiting periods to claim under out patient expenses
You can claim for dental procedures & treatment under OPD section.
Cost of spectacles, dentures, crutches can also be claimed under OPD Section.
Provides tax benefit under section 80 D of Income Tax Act
In house claims settlement without hassles of going through a TPA.

PLAN AND PREMIUM CHART
Flat Premium 4999*	18-25 Yrs	26-40 Yrs	41-45 Yrs	46-55 Yrs
Hospitalization cover - Floater Sum Insured 1 Lakh
OPD Benefits Self	3100/-	2900/-	2500/-	1600/-
PLAN – B Tax Gain9999
Flat premium 9999 *	18-25 Yrs	26-40 Yrs	41-45 Yrs	46-55 Yrs
Hospitalization cover - Floater Sum Insured 2 Lakh
OPD Benefits Self	6500/-	6000/-	5000/-	3000/-
OPD benefits Self + spouse	5200/-	4800/-	3500/-	1000/-
PLAN – C Tax Gain 14999 1 ) C- 1
Flat premium 14999 *	18-25 Yrs	26-40 Yrs	41-45 Yrs	46-55 Yrs
Hospitalization cover - Floater Sum Insured 2 Lakh
OPD Benefits Self	9500/-	9000/-	8500/-	7500/-
OPD benefits Self + spouse	9000/-	8500/-	7000/-	4500/-
2) C-2
Flat premium 14999 *	18-25 Yrs	26-40 Yrs	41-45 Yrs	46-55 Yrs
Hospitalization cover - Floater Sum Insured 3 Lakh
OPD Benefits Self	9000/-	8500/-	7500/-	6000/-
OPD benefits Self + spouse	8000/-	7500/-	5500/-	2500/-
PLAN – D – FOR SENIOR CITIZENS –Tax Gain 19999
Flat premium 19999 *	56-60 Yrs	61-65 Yrs	65-70 Yrs	71-75 Yrs
Hospitalization cover - Floater SumInsured 1 Lakh
OPD Benefits -Self	13000/-	12500/-	12000/-	11000/-
OPD benefits- Self + spouse	11000/-	10000/-	9500/-	8000/-

*Flat Premium (Rs) inclusive of Service Tax

All Sums Insured for Hospitalization and OPD benefit in Indian Rupees.

For detail list of exclusions, terms & conditions please refer policy wordings.

Critical Illness Cover for Women

This is a specific insurance policy for women that offers protection against eight critical illnesses. It also guarantees that a sum will be paid in case of diagnosed with life-threatening diseases.

Features:

Provides coverage for eight diseases namely,

Ovarian cancer
Vaginal cancer
Cervical cancer
Breast cancer

Features in Critical Illness Cover for Women Breast Cancer

Uterine/Endometrial cancer
Fallopian Tube Cancer
Burns
Paralysis/Multitrauma

Additional Benefits:

50% of sum assured will be given in the case of a child born with congenital disabilities listed. They are Down#$#s syndrome, congenital cyanotic heart disease, tracheo-esophageal fistula, cleft palate with or without cleft lip and Spina bifida.
Children education bonus under critical illness section.
Loss of job within 3 months of being diagnosed with any of the critical illness covered under the policy.

Exclusions:

Breast cancer: No coverage for pre-malignant tumors, breast lumps, ductal carcinoma, all basal cell carcinomas and other tumors associated with HIV
Ovarian cancer: No coverage for non-cancerous (benign) ovarian masses, hydatidiform molem, and trophoblastic tumors
Vaginal cancer: No coverage for vulval (External reproductive organ) cancers/tumors,vaginal /vulval granulomatous (ulcerative) diseases
Cervical cancer: No coverage for tumors showing malignant changes of carcinoma in situ, squamous intraepithelial lesion (SIL), fibroid, endometriosis, cystic lesions, hyperplasia of any type presenting as tumors, Hydatidiform mole and trophoblastic tumors
Fallopian Tube Cancer: No coverage for carcinoma in situ, dysplasia, inflammatory masses, hydatidiform mole and trophoblastic tumors
Burns: No coverage for radiation-induced burns
Paralysis/Multitrauma: No coverage for single site or multiple fractures
Does not cover for critical illness diagnosed within 90 days of commencement of policy
No coverage for treatment arising from pregnancy or childbirth, including cesarean section and birth defects
Intentional self-injury and drug abuse and radioactive contamination will not be covered

Premium:

SUM INSURED	Up to 25 Yrs	26-35	36-40	41-45	46-50	51-55
50000	250	375	688	1000	1500	2188
100000	375	563	1031	1500	2250	3281
150000	500	750	1375	2000	3000	4375
200000	625	938	1719	2500	3750	5469

Service Tax Extra

*Additional Inbuilt Benefits:

Children Education Bonus - Rs 25000/- payable if the claim is paid under Critical Illness Section

Loss of Job - Rs 25000/- payable if the claim is admissible under Critical Illness section

* Subject to terms & conditions as specified under the policy

Global Personal Guard

It is a policy that covers expenses incurred during the course of an accident or injury. It offers 360-degree coverage for all types of injuries due to accidents

Features:

Covers death, permanent total disability and permanent partial disability
Children#$#s educational bonus*
Daily hospitalization expenses due to accident*
Cover for fracture treatment and coma due to accidental body injury*
Covers travel expenses*
Offers adventure sports benefit*
Offers air and road ambulance cover, hospital cash benefit, EMI payment cover, loss of income due to disability or accident*

*if this add-on cover is opted

Benefits

Flexible, offers 3 base and 12 optional covers
Premium has no age restrictions
Life long renewal option

Coverage

SI available from Rs. 50,000 - Rs 25,00,00000.
Entry age up to 70 years
Covers children aged 3 months - 25 years

Star Package Health insurance Plan

This is a unique family floater policy that protects your family against various risks and contingencies.

Features:

It offers coverage under 8 sections namely,

Health Guard: Protects family against accident or major illness, provides cashless benefits and medical reimbursement for hospital expenses.

Hospital Cash: Covers hospitalization expenses daily
Critical Illness: This policy offers coverage for critical illnessess.
Personal Accident: This section provides coverage for accidental death, permanent total disability, permanent partial disability and temporary total disability.
Education Grant: This section provides a sum for children in the case of an accidental death or total disability of the insured person.
Household Contents: This section provides coverage for the losses incurred due to an actual or attempted burglary or housebreaking.
Travelling Baggage: This section covers personal baggage while travelling anywhere in India, with respect to accidental loss, destruction of, and damage caused to personal baggage.
Public Liability: This protects against legal liability for bodily injury or damage to property of a third party.

* You must opt for a minimum of any three coverages from the list given above.

Coverage:

Entry age 18 years to 65 years
Children between 3 months- 5 years along with both the parents
Children between 6-25 years along with one parent

Exclusions:

Pre-existing diseases will not be covered
No coverage for pregnancy and childbirth expenses
Does not cover hospitalization expenses during the first 30 days of commencement of the policy
Coverage for certain diseases such as sinusitis, hernia, cataract and piles will be provided only after 2 years
Coverage for joint replacement surgery will be provided after 4 years
No coverage for Non-allopathic treatments
Does not offer coverage for suicide, drug and alcohol intoxication, accidents due to drunken driving.

Health Care Supreme

It is a comprehensive plan with a wide range of coverage for 24 hours a day, 365 days a year.

Coverage:

Complete package policy
SI from Rs.5 lac to Rs.50 lac
No age restrictions
Lifetime renewal options
Covers hospitilization, air and road ambulance expenses
Unlimited day care procedures
Maternity and new born bay cover up from 3rd year of policy
Free annual health check up
Outpatient expenses section covering dental treatments and psychiatric treatment expense
Covers Recovery, Physiotherapy expenses, Organ donor expenses
Offers ancillary expenses benefits, critical illness benefits and personal accident cover*

*if this add-on cover is opted

Benefits

Cashless facility in around 5000+ network hospitals across India
Cumulative bonus of 10% of sum insured for each claim free year, max up to 50% of sum insured on Hospitalization
15 days period for new policies
30 days grace period for renewal
In-house health administration team for hospitalization claims
Income Tax Benefit under Sec 80 D of the IT Act

Exclusions:

Accidental bodily injury:

- due to suicide, self-inflicted injury or illness

- while under the influence of alcohol or drugs

- through deliberate or intentional, unlawful or criminal act, error, or omissionaviation or ballooning,

- participation in any naval, military or air force operations

Venereal or Sexually transmitted diseases
HIV (Human Immunodeficiency Virus)
Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these
War (Whether declared or not), Nuclear energy, radiation etc.

Extra Care: Extend your Health insurance cover

This policy takes care of the additional hospitalization expenses.

Coverage:

Medical Expenses
Pre-Hospitalization expenses up to 60 days and Post-Hospitalization expenses 90 days
Ambulance Charges Up to Rs.3000/-.
Coverage for pre-existing diseases after 4 years of the continuous policy.
Floater Policy for 3 children
No medical test till 55 years of age for clean proposals
Entry Age 3 months-70 years:
Lifetime Renewable
Premium: Starting at Rs.2500/-

Benefits:

It can be taken as an add-on policy with any health insurance policy.
Income tax benefit as per section 80-D of Income Tax Act.
Sum insured options of Rs.10, 12 or 15 lakhs.
Competitive premium rates.
If would not be satisfied with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
A 30 days grace period for renewing the existing policy.

Exclusions:

Does not cover expenses for any disease acquired during the first 30 days of commencement of the policy.
No coverage for pre-existing diseases or at the time of proposing this insurance for a period of 4 years.
Coverage for joint replacement surgery will be provided after 4 years
No coverage for non-allopathic treatments
Does not offer coverage for cosmetic surgeries, drug and alcohol intoxication and Congenital external diseases
No coverage for AIDS and related diseases
No coverage for any fertility, sub-fertility, impotence, assisted conception operation, or sterilization procedure.

Premium Personal Guard Policy

This policy covers the insured against bodily injury or death caused due to the accident and offers high sum assured ranging from 10 lakhs to 25 lakhs.

Coverage

Offers coverage for Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death
Covers hospitalization expenses due to accident
Access to over 2400 hospitals and 1200 diagnostic clinics in India

Benefits:

10% cumulative bonus benefit for each claim free year, maximum up to 50%.
Cancellation of policy in 15 days of receipt of the policy documents,
A grace period of 30 days for renewing the existing policy

Exclusions:

Accidental bodily injury:

- due to suicide, self-inflicted injury or illness

- while under the influence of alcohol or drugs

- through deliberate or intentional, unlawful or criminal act, error, or omission aviation or ballooning,

- participation in any naval, military or air force operations

Venereal or sexually transmitted diseases
Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these
War (Whether declared or not), nuclear energy, radiation etc.
HIV (Human Immunodeficiency Virus)

Premium Personal Guard Policy Excludes HIV

Disclaimer: This information is extracted from the company’s official website to provide information to the general public. The information is likely to change based on the concerned insurance companies’ discretion. Alterations, deletions and/or additions to the existing policy products, coverage and their premiums may be enhanced or reduced. These figures are only guidelines. We recommend the individual to visit the official website of the insurance company for more details and updated matters.