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Complete Health Insurance For Your Family |
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Family Floater Health Guard Plan Benefits:
- Covers medical expenses (you and your family) during hospitalization
- Cashless facility at over 2900 hospitals across India
- Pre and post-hospitalization expenses covered*
- Covers ambulance charges in an emergency subject to limit of Rs. 1000/-
- No sub-limits on room rent and hospitalisation expenses
- 130 daycare procedures are covered
- Discount in premium if voluntary deductible is opted for
- Covers all the family members under a single Sum Insured and a Single premium
- Income tax benefit on the premium paid as per section 80D of the Income Tax Act
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The Family Floather Health Guard fulfils the insurance needs of your entire family at nominal premium rates.
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Features
- The member has cashless facility at over 2900 hospitals across India
- With Health Guard, the member has access to cashless facility at various empanelled hospitals across India.
- Pre and post - hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization
- Covers ambulance charges in an emergency subject to limit of Rs. 1000 /-
- No tests required up to 45 years up to SI 10 lacs*
- 10% co- payment applicable if treatment taken in non-network hospitals
- 20% co-payment applicable for members of age group 56 -65 years, opting this policy for first time
- Waiver on 10% co-payment is available on payment of additional premium
- Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz
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This policy offers you a wide range of benefits, from ambulance cover, to emergency hospitalisation and regular check-ups at clinics..
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Benefits
- In house Health Administration Team for hospitalisation claims to lower turn around time.
- Access to over 2900 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 claim administration.
- Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
- Health Check up for maximum amount of Rs. 1000 /- at the end of continuous four claim free years.
- Family discount of 10% is applicable.
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What's covered and what isn't? Find out what this policy will take care of, and how much coverage you can get.
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Coverage
- Sum insured from Rs. 1lakh to Rs.10 lakhs can be opted from 3 months to 55 yrs.
- Sum insured from Rs. 1lakh to Rs.5 lakhs can be opted from 56 months to 65 yrs Policy can be renewed up to 80 years*
- In built E-opinion cover for SI 5 lacs & above.
Pre and Post Hospital Expenses:
- Medicines: Mandatory to provide doctor's prescription advising medicines and the relevant chemist bill.
- Doctor's Consultation Charges: Mandatory to provide the doctor's prescription and the doctor's bill and receipt.
- Diagnostic Tests: Mandatory to provide the Doctor's prescription advising tests, the actual test reports and the bill and receipt from the diagnostic centre.
- The claims team would assess the claim for completeness of documentation and admissibility. A written communication would be sent to the insured regarding requirement of documents if any or if the claim is deemed to be inadmissible as per the policy’s terms and conditions.
- In case the claim is determined to be admissible a pay order and discharge voucher would be sent to the insured address as mentioned on the policy document.
Exclusions:
- A waiting period of 4 years will be applicable in the case of pre-existing diseases.
- 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 (liability restricted upto 10% of SI, max. upto Rs. 35,000) and sinusitis shall be covered after a waiting period of 2 years.
- Treatments consisting of non-allopathic medicine will not be covered.
- Congenital diseases are also excluded from coverage, as are all expenses arising from AIDS and other related diseases.
- Cosmetic, aesthetic or related treatments will not be covered.
- Treatment will not be covered for use of intoxicating and/or addictive substances like alcohol, drugs, etc.
- Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it is covered.
*conditions apply
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Plan Details
Learn more about the finer points of the policy like eligibility, restrictions, voluntary deductibles, etc.
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Plan Details
Eligible Age:
- Entry age for proposer is 18-65 years. The policy can be renewed upto 80 years.*
- Children from 3 months to 25 years are eligible if both the parents are insured with Bajaj Allianz.
*conditions apply
Restrictions on the Value of the Sum Insured:
- Sum insured from Rs.2 lakh to Rs.10 lakh can be opted from 3 months to 55 years.
- Sum insured from Rs.2 lakh to RS.5 lakh can be opted from 56 years to 65 years.
- No tests are required for a sum insured of upto Rs.10 lakh till the age of 45 yrs (subject to a clean proposal form).
Pre-policy Check-ups:
- No medical tests are required upto the age of 45 years, subject to a clean proposal form.
- Medical tests (pre-policy check-ups) are mandatory for members aged 46 years and above.
- The pre-policy check-up is arranged at one of our empanelled diagnostic centres.
- The cost of the pre-policy check-up is refunded in full, if the proposal is accepted and the policy is issued.
Voluntary Deductibles:
This policy has an option of voluntary deductibles where discounts are applied, as given below:
| Deductible Amount |
Discount (%) |
| 10,000 |
10.0% |
| 15,000 |
15.0% |
| 25,000 |
17.5% |
| 50,000 |
20.0% |
| 75,000 |
22.5% |
| 1,00,000 |
25.0% |
| 1,50,000 |
27.5% |
| 2,00,000 |
30.0% |
| 2,50,000 |
32.5% |
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Find a Network Hospital
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Learn How to Save Tax with Your Health Insurance Premium
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.
Put together, the two facts listed above come down to this:
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.
Therefore, you can claim a deduction up to Rs.30000 on your taxable income, and if your parents are senior citizens, the deductible amount goes up to Rs.35000.
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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