Calculate Family Floater Health Guard Premium
Your Premium is:
*Service Tax Extra
|
|
Learn more
Complete Health Insurance for Your Family
In these times of rising medical costs, 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 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 Family Floater Health Guard. 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.
Good health is essential for the many roles that a Woman plays. This women's day, Bajaj Allianz, in association with following service providers, brings to you, wellness packages to keep her healthy all year long
Best Health Insurance in India
Don't go only by premium, The claim settlement record of the company is also important.
Review by i-save.com as featured in The Economic Times Wealth
Take a quick look at our Claims Process
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.
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
No Fine-print
What Coverages Do I Get?
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
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
Value Added Services
To learn more about Value Added Services click here
The offers mentioned herein are subject to change without notice. Please check
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
That's not all
What Benefits Do I Get?
- Cumulative bonus of 5% to your Limit of Indemnity for every claim free year.
- 5% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed for sum insured Rs.2,00,000/- and above 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.
Savings with Health Insurance Policy
To learn more about Value Added Services click here
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
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
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
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 diseases.
- 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 is 18 years to 65 years. The policy can be renewed upto 80 years*.
- Children aged 3 months to 25 years can be covered under this policy.
* Please see the brochure for more details.
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
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 loaws.
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.
Interactive Needs Identifier
Find out how much Health Insurance Cover would be adequate for you.
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
What are people saying?
Customer Reviews
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
Learn more
Frequently Asked Questions and Support
|
