HDFC Bajaj Allianz Individual Health Guard

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HDFC Bajaj Allianz Individual Health Guard

Secure your health with HDFC Bajaj Allianz Individual Health Guard—comprehensive coverage, cashless claims, and financial protection for medical emergencies.

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Details for HDFC Bajaj Allianz Individual Health Guard

HDFC Bajaj Allianz Individual Health Guard offers extensive medical coverage, cashless hospitalization, and quick claim settlements. With high sum insured options, no room rent cap, and lifelong renewability, it ensures financial security during medical emergencies, making quality healthcare accessible without financial stress.

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Sum Insured

Not available

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Age

18 years to 65 years

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Policy Terms

1,2 and 3 Years

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.
  • 2

Specific Exclusions

  • A waiting period of 3 years will be applicable in the case of pre-existing diseases.
  • Any disease contracted during the first 30 days of commencement of the health insurance 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.

Renewability and Coverage

  • An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.
  • 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
  • AYUSH Hospital
  • AYUSH Day Care Centre
  • Cashless facility
  • Day Care Centre
  • Day Care Treatment
  • Dental Treatment
  • Maternity expenses
  • KidneyFailureRequiringRegularDialysis
  • ICUCharges
  • Medical expenses
  • OPD treatment:
  • Organ donor expenses covered up to the sum insured
  • 15.10% cumulative bonus benefit for each claim free year up to 100%
  • Covers Pre and Post hospitalization expenses incurred 60 days prior to and 90 days post hospitalization
  • Bariatric surgery cover
  • Ayurvedic and Homeopathic hospitalization cover

Additional Benefits

  • Convalescence benefit up to Rs. 7500/- per year (subject to Sum Insured opted)
  • Free preventive health checkup every 3 years, irrespective of a claim
  • Maternity and new born baby expenses cover
  • Daily Cash Benefit for Accompanying an Insured Child (Rs. 500 per day maximum up to 10 days, up to age 12yrs)
  • Health CDC benefit – quick claim settlement through app

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