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Health Insurance Plan For Family - Health Guard

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Key Features

  • SI options ranging from 1.5 lacs to 50 lacs
  • Covers Pre & Post hospitalization expenses
  • Sum reinstatement benefit
  • Policy term options of 1, 2 and 3 yrs
  • Free health checkup

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Individual Health Guard

Complete Health Insurance for Your Family

Your family is the most important part of your life and your priority is to take care of them keeping them safe and secure. But what would happen if something went wrong for which you were not prepared and the medical costs were higher than what you were able to provide? Yes, we thought about that which is why we have Bajaj Allianz Family Floater Health Guard policy, which is not only going to cover your loving family, but will also protect your savings from getting depleted due to high medical expenses.This health insurance plan is tailor made for some one who is looking for a suitable medical insurance for the entire family.

A family floater is the best health insurance plan, when it comes to covering your loved ones. Having a single policy removes the hassle of maintaining multiple policies for your family members, by covering all of them under a single health insurance plan. Family floater is the best plan to cover your parents, spouse and kids, all under one single mediclaim policy.


What Coverage Do I Get?

  • Sum insured options ranging from 1.5 lacs up to Rs. 50 lacs
  • Covers Pre and Post hospitalization expenses incurred 60 days prior to and 90 days post hospitalization.
  • Access to cashless facility at over 5700 empanelled hospitals across India(subject to exclusions and conditions)
  • Covers ambulance charges subject to a limit of Rs. 20000 in a policy year
  • Sum insured reinstatement (For similar illness as well)
  • Covers expenses for all day care treatments
  • Policy term option of 1, 2 and 3 years
  • Lifelong renewal option

Why Health Insurance?

Why Health Insurance?

Zone wise Premium


Family Floater Health Insurance benefits

  • Long term policy discount of 4% for 2 yrs, 8% for 3 yrs
  • Organ donor expenses covered up to the sum insured
  • 10% cumulative bonus benefit for every claim free year up to 100%
  • Discount of upto 20% for co-payment option
  • Tax saving up to Rs. 60000/- under Sec 80D*
  • No medical tests up to 45 years, subject to clean proposal form
  • Bariatric surgery cover
  • Convalescence benefit up to Rs. 7500/- per year
  • Ayurvedic and Homeopathic hospitalization cover
  • Free preventive health checkup every 3 years, irrespective of a claim
  • Maternity and new born baby expenses cover which makes this a very useful plan for young couples
  • This family health plan reduces your hassle as it is a single policy that covers the entire family. This health plan helps you to avoid paying multiple premiums for multiple members. This also helps you to cover your entire family under one health policy and makes sure that every member gets the best medical treatment possible.

Value Added Service

Value added services

* On the health insurance premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60. If the premium paid by an individual is towards health insurance policy for his or her parent who is a senior citizen of age 60 or more, the maximum is capped at Rs 30,000. A taxpayer may therefore maximize tax benefit under section 80D to a total of Rs 55,000 if his age is below 60 If parents age is above 60. For those tax payer individuals who are of age 60 or more and are also paying health insurance premium for their parents, the maximum tax benefit under section 80D would therefore be a total of Rs 60,000.


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 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
  • Waiting period of 3 yrs for joint replacement, PIVD
  • Treatment for use of intoxicating and/or addictive substances like alcohol, drugs etc. will not be covered
  • Waiting period of 3 yrs for bariatric surgery
  • Waiting period of 6 yrs for maternity/new born baby expenses

Am I Eligible for It?

  • Entry age for proposer is 18 years to 65 years. The policy can be renewed for lifetime.
  • Entry age for child is 3 months up to 30 years.

* Please see the brochure for more details.


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.
  • In house team to resolve all issues related to health insurance customers
  • Faster Claim Settlement due to single point of contact.
  • Effective and quick resolution of customer queries by health insurance experts
  • Control over claims settlement and customer service due to the in-house capability

Meet the best Health Administration Team

Health Administration Team

Customer Reviews

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Average Rating
Based on 981 Ratings
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  • Sunil Vairagar

    28 Apr 2017, Aurangabad

    Very nice move by Bajaj Allianz by launching Mobile App #Insurance Wallet.
    Very simple procedure ever to claim with time saving. Also good response too. Thanks Bajaj Allianz
  • ASHOK BHANSALI

    28 Mar 2017, Kalewadi

    Excellent health product and great service.

Frequently Asked Questions

1. What are the basic coverages under the family floater health guard?

The key components covered under the family floater health guard is quite comprehensive and covers all necessary aspects. All basic features like pre and post hospitalization expenses, medical expenses, ambulance charges, hospitalization expenses are covered under this health insurance plan.

2. What are the key factors that affect your health insurance/mediclaimpremium?

The major factors that affect your health insurance premium are as follows:

  • Age of the insured member/s (Age of the eldest member in case of family floater health guard)
  • Sum insured
  • Physical condition of the insured member/s
  • In case of few products with add-on covers, the premium also depends on the coverage taken under the health insurance policy
3. Who can be covered under the family floater health guard policy?

Under the family floater health insurance policy, one can cover self, spouse and up to 4 dependent children. For parents/in-laws, separate health insurance policy can be taken.

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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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