HDFC Bajaj Allianz Family Floater Health Guard

Age

• 18 years to 65 years

Tax Benefits

• Income Tax benefit is as per section 80-D

Waiting Period

• A waiting period of 3 years will be applicable in the case of pre-existing diseases

Specific Exclusions

• Any disease contracted during the first 30 days of commencement of the policy will be excluded from coverage
• Certain diseases such as hernia, piles, cataract and sinusitis shall be covered after a waiting period of 2 years
• A waiting period of 3 years will be applicable in the case of pre-existing diseases

Renewability and Coverage

• Accident, Accidental
• Any one illness means continuous Period of illness and includes relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment was taken.
• Cashless facility
• Day Care Treatment
• Dental Treatment
• Hospitalization means admission in a Hospital for a minimum period of 24 consecutive In patient Care hours except for specified procedures/ treatments, where such admissioncould befora period of less than 24consecutivehours.
• Maternity expenses
• KidneyFailureRequiringRegularDialysis
• Covers Pre and Post hospitalization expenses incurred 60 days prior to and 90 days post hospitalization
• Bariatric surgery cover

Additional Benefits

• Maternity and new born baby expenses cover which makes this a very useful plan for young couples
• Free preventive health checkup every 3 years, irrespective of a claim
• Ayurvedic and Homeopathic hospitalization cover
• Convalescence benefit up to Rs. 7500/- per year (subject to Sum Insured opted)
• 5.10% cumulative bonus benefit for every claim free year up to 100%
• Organ donor expenses covered up to the sum insured
• Long term policy discount of 4% for 2 yrs, 8% for 3 yrs