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Health Guard Family Floater Option

     

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Family Floater Health Guard

Health Guard Family Floater Option

Complete Protection for Your Family

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4.0 253 Ratings | 120 Reviews
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Complete Health Insurance for Your Family

In these times of rising medical costs, Bajaj Allianz's Health Guard- Family Floater Option is the perfect health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious illness or accident.

You want to protect your family, but rising medical expenses mean that an unforeseen accident or illness can put your savings - and their future - in jeopardy. Protect your family with the Bajaj Allianz Health Guard Family Floater option. This all-round health insurance policy covers you and your family against medical expenses such as hospitalization, doctor's consultation, diagnostic tests, medicines, ambulance, etc. Now you never have to worry about running out of cash when it comes to your family's treatment.

Waiver of medicals for clean proposals for Family Floater Health Guard

  • Applicable for proposals without any adverse health conditions
  • Age up to 50 yrs
  • Sum Insured 2 lacs - 10 lacs for all locations except Delhi, NCR and Surat
  • Sum Insured 3 lacs - 10 lacs for Delhi, NCR and Surat
  • Waiver of medicals if the above criteria is fulfilled
  • Not applicable for renewal policies

You can also save tax with health insurance

It's common knowledge that buying health insurance helps you to save tax. Under Section 80D of the Income Tax Act 1961, you can get a maximum tax benefit of Rs.15000 on health insurance premium paid. The exemption limits are as follows:

  • An individual can avail an annual deduction of Rs.15000 from taxable income for health insurance premium paid for self and dependants. 'Dependents,' in this case, refers to spouse and children.
  • In the case of senior citizens (aged 56 years and above), the annual deduction from taxable income goes up to Rs.20000.
But here's a tidbit that might help you save more tax than you think:
  • If you are paying the premium for your parents' health insurance, you can claim an additional tax benefit up to Rs.15000 under the provisions of Section 80D.
  • If your parents are senior citizens (aged 56 years and above), the benefit goes up to Rs.20000.
However, there are a few conditions:
  • You cannot claim tax benefit on health insurance premium paid for your in-laws.
  • Proof of payment of premium has to be furnished, in order to avail the tax benefit.
  • Except cash, any mode of payment is acceptable for claiming tax benefit.
  • The health insurance premium must be paid from your taxable income of that year only if you want to claim a deduction. If you have paid the premium from your savings or from gifts of money received by you, then you will not be eligible to claim tax benefit under Section 80D.
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Key features
What Coverage Do I Get?

  • Medical Expenses During Hospitalisation: We will pay the medical expenses, which are the reasonable charges that You necessarily incur on the advice of a Doctor, as an in-patient in a Hospital for accommodation; Boarding Expenses including patients diet as provided by the hospital/ nursing home ; nursing care; the attention of medically qualified staff; undergoing medically necessary procedures; medical consumables.
  • Pre and Post hospitalisation expenses
    • Pre-hospitalization: We will pay the expenses incurred, in respect of the medical treatment of an Illness during the consecutive 60-day period immediately preceding Your admission to Hospital for that Illness, provided that the aforesaid 60 day period commences and ends within the Policy Period.
    • Post-hospitalization: We will pay the expenses incurred, in respect of medical treatment and essential investigations for a period of upto 90 days after discharge from a Hospital for medical treatment related to the Illness or Accidental Bodily Injury.

    *However in case of renewed policies the pre-hospitalisation period may fall in the previous policy period.

  • Emergency Ambulance Charges: If a claim is accepted, we will also pay the reasonable cost to a maximum of Rs 1000 per valid hospitalization claim for transferring you / your family members named in the schedule to or between Hospitals in the hospital's ambulance or in an ambulance provided by any ambulance service provider.
  • Medical Check-up: At the end of every continuous period of 4 years during which you have held Our Health Guard Family Floater policy without making a claim you / your family members named in the schedule may apply to us for a free medical check up This beneft also foats over the family member(s) covered under the policy.

Why Health Insurance?

Why Health Insurance?

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Learn more
What are Value Added Services (VAS)?

Value Added Services refers to advanced and/or additional services given to customers. You can save upto 30% on Medicine,OPD expenses and more value added services *

A Bajaj Allianz Health Card makes you eligible for a number of discounts at health and fitness centers across the country.

  • OPD discounts at select outlets.
  • Discounts on Pathologies at select outlets.
  • Discount on Radiology at select outlets.
  • Discounts on Wellness Test at select outlets.
  • Discounts on Pharmacy.
  • Many more lucrative health related offers at select outlets.

Click here to Learn more

Savings with Health Insurance Policy

Economic Times Wealth

To learn more about Value Added Services
click here

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That's not all
What Benefits Do I Get?

    • Cumulative bonus of 10% to your Limit of Indemnity for every claim free year.
    • 10% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed in case policy is continuously renewed with us.
    • No medical tests upto 45 years, subject to clean proposal form.
    • Medical tests (pre-policy check-up) are mandatory for members aged 46 years and above.
    • The pre-policy check up would be arranged at our empanelled diagnostic centers.
    • 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued.
    • In case the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
    • Health check-up at designated Bajaj Allianz diagnostic centers or reimbursement upto Rs.1000/- at the end of 4 continuous claim-free years. This benefit can be availed by only one member of the family.
    • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
    • Free Look Period: If you 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.
    • Due to unavoidable reasons, sometimes dates get pushed back a little. That's why you now have a grace period of 30 days for renewing your existing Bajaj Allianz policy. The policy will be considered as continuous.
    • 130 Day Care Procedures are covered under the policy.
    • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

Health Insurance claim status - just an SMS away!


Health claim status
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Advantages of an in-house
Health Administration Team

    • The team consists of doctors and para medics who are responsible for health underwriting and claims settlement.
    • Provides single window assistance to all the health insurance policy holders for all health care related services.
    • Faster Claim Settlement due to single point of contact.
    • Effective and quick in resolving customer queries/better and systematic redressal mechanisms.
    • Control over Claims Settlement and Customer service.

Meet the best Health Administration Team

Health Administration Team

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No Fine-print
Are There Any Exclusions?

  • There shall be a waiting period of 4 years for pre-existing diseases.
  • All diseases/injuries existing at the time of proposing this insurance.
  • Any disease contracted during the first 30 days of commencement of the policy.
  • Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs. 35,000), sinusitis shall be covered after a waiting period of 2 years.
  • Non-allopathic medicine.
  • Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
  • All expenses arising from AIDS and related diseases.
  • Cosmetic, aesthetic or related treatment.
  • Use of intoxicating drugs and alcohol.
  • Joint replacement surgery (other than due to accident shall have a waiting period of four years).

Am I Eligible for It?

  • Entry age for proposer/ spouse is 18 years to 65 years. The policy can be renewed for lifetime.
  • Children aged 3 months to 25 years can be covered under this policy.

* Please see the brochure for more details.

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You Can Also
Save Tax with Health Insurance

It's common knowledge that buying health insurance helps you to save tax. Under Section 80D of the Income Tax Act 1961, you can get a maximum tax benefit of Rs.15000 on health insurance premium paid. The exemption limits are as follows:

  • An individual can avail an annual deduction of Rs.15000 from taxable income for health insurance premium paid for self and dependants. 'Dependents,' in this case, refers to spouse and children.
  • In the case of senior citizens (aged 60 years and above), the annual deduction from taxable income goes up to Rs.20000.
But here's a tidbit that might help you save more tax than you think:
  • If you are paying the premium for your parents' health insurance, you can claim an additional tax benefit up to Rs.15000 under the provisions of Section 80D.
  • If your parents are senior citizens (aged 60 years and above), the benefit goes up to Rs.20000.
However, there are a few conditions:
  • You cannot claim tax benefit on health insurance premium paid for your in-laws.
  • Proof of payment of premium has to be furnished, in order to avail the tax benefit.
  • Except cash, any mode of payment is acceptable for claiming tax benefit.
  • The health insurance premium must be paid from your taxable income of that year only if you want to claim a deduction. If you have paid the premium from your savings or from gifts of money received by you, then you will not be eligible to claim tax benefit under Section 80D.
*Tax benefits are subject to changes in tax laws.

Tax Exemption

The health insurance premium that you pay for yourself, your dependents (spouse and children) and your parents, are all considered for tax benefit under Section 80D of the Income Tax Act 1961.

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What are people saying?
Customer Reviews

The above brochure is applicable for policies in-force from 1 October 2013 onwards. Customers with policies dated 30 September 2013 and before, please click here

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Learn more
Frequently Asked Questions and Support

Help and Support

   
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Help and Support

   
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* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.
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Disclaimer: Notwithstanding my telephone/mobile is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me.

Disclaimer

Notwithstanding my telephone/mobile is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me.