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Health Insurance Plans For Family: Health Guard

Health cover for you and your family

Customised family health insurance plans
Buy health insurance plans for family members

Safeguard yourself and your family

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What’s in it for you?

Health Category extra care

Caretaking of senior citizens made smart & easier with innovative features

Missed call number for Respect Senior Care Rider : 9152007550

Health Prime Rider

 Cover 09 plans/options with Health Prime Rider

Health Insurance Cover

 EMI options available

Travel insurance Comprehensive Covers

Higher Sum Insured options up to 1 Crore

Health Insurance Cover

Pre and post hospitalisation cover

Free health check-up

Sum Insured Index Sum Insured

Sum insured options from Rs 1.5 lakh to Rs 1 Crore

What is Family Health Insurance?

Family health insurance, also known as a family mediclaim policy, provides comprehensive health coverage for all family members under a single plan.

These health insurance policies for families are designed to offer financial protection against medical expenses arising from hospitalizations, surgeries, and other treatments. Medical insurance plans for families typically cover immediate family members, including spouses, children, and sometimes parents. Opting for health insurance plans for family ensures that you and your loved ones are safeguarded against unexpected medical costs, promoting better health and peace of mind.

We offer a whole lot when it comes to Family Health Insurance

Key Features & Benefits of Family Health insurance

What makes Bajaj Allianz Family Health Insurance Policy special? Read on to know more about the features of this policy:

  • Platinum Plan   New

    Super cumulative bonus of 50% per claim free year

  • Recharge Benefit   New

    To take care of claims where the claim amount exceeds your sum insured

  • Multiple sum insured options

  • Immediate family cover

    This policy covers you, your spouse and your children.

  • Ayurvedic and homoeopathic treatment

    Under the Gold & Platinum Plan, the policy covers in-patient hospitalisation expenses (up to Rs 20,000) incurred in a recognised Ayurvedic/homoeopathic hospital where the admission period is not less than 24 hours.

  • Daycare procedures cover

    Medical expenses incurred during the treatment of listed daycare procedures or surgeries are covered under this policy.

  • Convalescence benefit

    In case of continuous hospitalisation of more than 10 days, you will be eligible for a benefit payout of upto Rs 7500 per year, provided that the hospitalisation claim is admissible.

  • Bariatric surgery cover

    Bariatric surgery is covered under medical advice, subject to certain terms and conditions.

  • Sum insured reinstatement

    In case your sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, we will reinstate it.

  • Pre and post hospitalisation

    The policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.

  • Road ambulance cover

    This policy covers ambulance expenses incurred upto Rs. 20,000 during per policy period

  • Organ donor expenses cover

    Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy.

  • Daily cash benefit

    A daily cash benefit of Rs 500 per day, for up to 10 days during each policy year, will be payable as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim.

  • Maternity/newborn baby cover

    Maternity expenses and medical expenses towards treatment of a newborn baby are covered under the policy subject to certain terms and conditions. This feature is available under the Gold & Platinum Plan.

Personalised health insurance plans to protect you and your loved ones.

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EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim by Direct Click (CDC)

Bajaj Allianz General Insurance has introduced an app based claim submission process known as Health Claim by Direct Click.

This facility allows you to register and submit claim documents through the app for claims up to Rs 20,000.

What you need to do:

  • Register your policy and card number in the Insurance Wallet App.
  • Register your policy and health card number in the app.
  • Register the claim.
  • Fill the claim form and arrange for the hospital-related documents.
  • Upload the documents using the app menu.
  • Submit the claims for further processing.
  • Get confirmation within a few hours.

Cashless claim process (only applicable for treatment at a network hospital):

Cashless facility at network hospitals is available 24x7, throughout the year without any interruption in service. You must check the hospital list before getting admitted to the hospital. Hospitals that provide cashless settlement are liable to change their policy without notice. The updated list is available on our website and with our call centre. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.

When you are opting for cashless claims, the process is as follows:

  • Get the pre-authorisation request form filled and signed by the treating doctor/hospital and signed by you or a family member, at the hospital’s insurance desk.
  • The network hospital will fax the request to HAT.
  • HAT doctors will examine the pre-authorisation request form and decide on cashless availability, as per the policy guidelines.
  • Authorisation letter/denial letter/additional requirement letter is issued within 3 hours depending on the plan and its benefits.
  • At the time of discharge, the hospital will share the final bill and discharge details with HAT and based on their assessment, final settlement will be processed.

Important points to note:

  • In case of planned hospitalisation, register/reserve your admission as per the network hospital’s procedure for admission in advance.
  • Admission at network hospital is subject to availability of a bed.
  • Cashless facility is always subject to your policy terms and conditions.
  • The policy does not cover the following : Telephone charges Food and beverages for relatives Toiletries The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
  • In-room rent nursing charges are included. However, if a higher cost room is used then the incremental charges will be borne by you.
  • In case the treatment is not covered as per the policy terms and conditions, your claim-cashless or reimbursement, will be denied.
  • In case of inadequate medical information, pre authorisation for cashless claim can be denied.
  • The denial of cashless facility does not mean denial of treatment and does not in any way prevent you from seeking necessary medical attention or hospitalisation.

Reimbursement of pre/post hospitalisation expenses:

Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz  General  Insurance along with the duly signed claim form.

Reimbursement claim process (in case of a non-network hospital)

  • Inform the BAGIC HAT team about the hospitalisation. To register your claim online click here To register your claim offline, please call us on our toll-free number: 1800-209-5858.
  • After discharge, you or a family member must submit the following documents to the HAT within 30 days: Duly filled and signed claim form with mobile number and email ID. Original hospital bill and payment receipt. Investigation report Discharge card Prescriptions Bills of medicines and surgical items Details of pre-hospitalization expenses (if any) In-patient papers, if required.
  • All documents to be sent to HAT for further processing and based on the assessment, the final settlement will be done within 10 working days.
  • Post hospitalisation claim documents must be sent within 90 days from the date of discharge.

Documents required for reimbursement claim:

  • Original pre-numbered hospital payment receipt duly sealed and signed.
  • Original prescriptions and pharmacy bills.
  • Original consultation papers (if any).
  • Original investigation and diagnostic reports along with original bills and payment receipt for the investigation done within and outside the hospital.
  • If you or a family member availed a cashless claim but did not utilise it, a letter from the hospital stating so.
  • A letter from the treating doctor mentioning incident details (in case of an accident).
  • Hospital registration certificate and hospital infrastructure on the letterhead.
  • A cancelled cheque bearing IFSC code and name of the insured.
  • Indoor case paper copy attested from the hospital from the date of admission to the date of discharge with detailed medical history and doctor’s notes with temperature, pulse and respiration charts.
  • X-ray films (in case of a fracture).
  • Obstetric history from treating doctor (in maternity cases).
  • FIR copy (in accident case).
  • Additional requirements for some special cases: In case of a cataract operation, lens sticker with a bill copy. In case of a surgery, implant sticker with a bill copy. In case of a heart-related treatment, stent sticker with a bill copy.

All original claim documents need to be submitted to the following address:

Health Administration Team

Bajaj Allianz House, Airport Road, Yerawada, Pune-411006

Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.

Note: Keep a photocopy of the documents and courier reference number for your records.

Don’t wait for a medical emergency to knock on your door!

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Claim settlement

On-the-go claim settlement through Health CDC.

Additional Benefits with your Family Health Insurance Policy

Our family medical insurance provides various benefits for you and your loved ones:
Claim settlement

Wellness benefit

Wellness benefit : Maintain good health & get rewarded with wellness benefit discount upto 12.5% on your renewal

individual-benefits-lifetime-renewal

Renewability

This policy comes with the benefit of lifetime renewal.

Individual Tax benefits

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act. Read more

*On opting for Family Health Insurance policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens.  If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Individual benefit Claim settlement

Hassle-free claim settlement

We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process.... Read more

We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 18,400+ network hospitals* across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

health Cover Individual Benefit

Preventive health check-up

At the end of block of every continuous period as mentioned in coverage during which You have held Our Health Guard Policy, You are eligible for a free Preventive Health checkup.

Individual Benefits portability

Portability benefit

If you and your loved ones are insured under any other family health insurance policy, you can switch to... Read more

If you and your loved ones are insured under any other family health insurance policy, you can switch to this policy with all  accrued benefits after due allowances for waiting periods and enjoy the available benefits of the policy.

Individual benefits long term

Long-term policy

This policy can be purchased for a period of 1, 2 or 3 years.

Individual benefits

Discount on policy

Avail long term policy discount of 4% for 2 years and 8% for 3 years.

Why should you buy family health insurance online from Bajaj Allianz General?

Purchasing a health insurance policy for family online from Bajaj Allianz General Insurance Company comes with numerous advantages.

The online process is quick and hassle-free, allowing you to compare different family health coverage plans and choose the best one for your needs. Bajaj Allianz General Insurance Company offers additional benefits such as wellness discounts, tax savings under Section 80D, and lifetime renewability of policies.

The in-house claim settlement team ensures a smooth and easy claim process, making it the best medical insurance for families. Opt for the best medical insurance plans for your family from Bajaj Allianz General Insurance Company to enjoy comprehensive coverage and peace of mind.

Top Reasons to Buy Bajaj Allianz General Insurance Company Health Guard Policy

Bajaj Allianz General Insurance Company Health Guard Policy stands out as one of the best family health insurance plans due to its extensive benefits and features.

  • Extensive Benefits and Features:

    ✓ Multiple sum insured options.
    ✓ Immediate family coverage.
    ✓ Includes AYUSH treatment.

  • Unique Benefits:

    ✓ Recharge benefit for the sum insured.
    ✓ Sum insured reinstatement.
    ✓ Coverage for daycare procedures.

  • Additional Coverage:

    ✓ Maternity/newborn baby cover.
    ✓ Bariatric surgery cover.
    ✓ Convalescence benefits.

  • Holistic Coverage:

    ✓ Comprehensive health insurance plans for the entire family.

Important points to note before buying Family Health Insurance

  • Inclusions

  • Exclusions

Preventive Health Check Up

At the end of block of every continuous period as mentioned in coverage during which You have held Our Health Guard Policy, You are eligible for a free Preventive Health checkup.

Ayurvedic / Homeopathic Hospitalization Expenses

(Applicable for Gold and Platinum Plan only) : If You are Hospitalized for not less than 24 hrs,

Read more

Ayurvedic / Homeopathic Hospitalization Expenses (Applicable for Gold and Platinum Plan only) : If You are Hospitalized for not less than 24 hrs, in an Ayurvedic / Homeopathic Hospital which is a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health on the advice of a Medical practitioner because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period then we will pay You:

1.       In-patient Treatment- Medical Expenses for Ayurvedic and Homeopathic treatment:

2.       Room rent, boarding expenses

3.       Nursing care

4.       Consultation fees

5.       Medicines, drugs and Medical consumables,

6.       Ayurvedic and Homeopathic treatment procedures

Covers mental illness

Below mental illness are insured with a waiting period of 2 years

Covers mental illness :

Read more

Below mental illness are insured with a waiting period of 2 years

1.       Dementia in Alzheimer disease

2.       Persistent delusional disorders

3.       Dementia in other diseases classified elsewhere

4.       Acute and transient psychotic disorders

5.       Unspecified dementia

6.       Induced delusional disorder

7.       Delirium, not induced by alcohol and other psychoactive substances

8.       Schizoaffective disorders

9.       Personality and behavioural disorders due to brain disease, damage and dysfunction

10.       Bipolar affective disorder

11.       Unspecified organic or symptomatic mental disorder

12.       Depressive episode

13.       Schizophrenia

14.       Recurrent depressive disorder

15.       Schizotypal disorder

16.       Phobic anxiety disorders

Pre and post hospitalisation

Covers pre and post hospitalisation expenses, the occurrence of which must be 60 days prior to hospitalisation or 90 days after hospitalisation.

Family cover

Covers your entire family including parents, parents-in-law, grandchildren and dependent siblings.

Ambulance charges

Covers ambulance charges, subject to a limit of Rs 20,000 in a policy year.

Daycare

Covers expenses for all listed daycare treatments.

Organ donor expenses

Covers organ donor expenses sum insured.

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A waiting period of 3 years will be applicable in case of pre-existing diseases.

Any disease contracted during the first 30 days of commencement of the health insurance policy ...

Read more

Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from the coverage. However, accidental injuries are covered during the waiting period.

Diseases such as a hernia, piles, cataract and sinusitis will be covered after a waiting period of 2 years.
A waiting period of 3 years is applicable for bariatric surgery, joint replacement and prolapsed intervertebral disc.

Treatment for use of intoxicating and/or addictive substances such as alcohol, drugs, etc will not be covered.

A waiting period of 6 years for maternity/newborn expenses.

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Things to Consider Before Buying a Family Health Insurance Plan

Selecting the best health insurance plan for family requires careful consideration of factors that impact coverage and affordability.

  • Sum Insured :

    Choose an adequate sum insured to cover all family members, especially those with pre-existing conditions or specific medical needs.

  • Premium Costs :

    Premiums increase with the sum insured and the age of the eldest family member. Select an affordable option that provides comprehensive protection without straining your budget.

  • Network Hospitals :

    Bajaj Allianz General Insurance Company has a broad network of hospitals across India, offering cashless treatment to reduce upfront payment burdens during emergencies.

  • Pre and Post-Hospitalisation Coverage :

    Ensure your plan includes expenses for doctor visits, diagnostic tests, and medications both before and after hospitalisation.

  • Daycare Procedures :

    Check if daycare treatments are covered, as these don’t require a 24-hour hospital stay but can be costly.

  • Ambulance Services :

    Confirm if ambulance charges are included, as these can provide valuable support in emergencies or for planned treatments.

Individual Health Insurance vs. Family Health Insurance Comparison

Deciding between individual health insurance and a family health insurance depends largely on your family’s age, medical history, and specific needs.

Parameter

Individual Health Insurance

Family Health Insurance

Definition

Covers one individual with a dedicated sum insured, ideal for tailored medical needs.

Covers multiple family members under a single policy with a shared sum insured.

Sum Insured Sharing

Sum insured is exclusive to each person and cannot be shared.

Shared sum insured among family members, with coverage utilised on a need basis.

Key Advantage

Every individual gets personalised coverage, which is beneficial for older members needing extensive care.

Cost-effective single premium for family, especially beneficial for younger and healthier members.

Ideal For

Families with senior members or high-risk individuals needing specific coverage.

Smaller, younger families without high-risk medical needs aiming for budget-friendly coverage.

Focus

Emphasis on tailored benefits and individual limits for better personal health management.

Emphasis on affordable, comprehensive coverage with shared benefits among family members.

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Customer Reviews & Ratings

Average Rating:

4.75

(Based on 3,912 reviews & ratings)

ASHOK PRAJAPATI

I am very happy with the support I received this time and special thanks to Akanksha. She helped us out in getting the claim approved. We were so stressed from...

KAUSHIK GADHAI

Dear Mr. Gopi, A Very Big Thank You whole heartedly for helping out at every step of Insurance Approval during my Mother's cancer treatment...

SACHIN VERMA

Dear Gaurav, I'm grateful for the settlement of my father's health claim. As my father was admitted in Max-Patparganj from 19 to...

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

FAQs

FAQs

What is the Health Administration Team?

The Health Administration Team comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is a single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues related to health insurance customers. The team ensures faster claim settlement as a single point of contact and is effective for quick resolution of customer queries.

What are the basic coverages under the Family Health Insurance plan?

The key components covered under our Family Health Insurance plan are quite comprehensive. You get cover from pre and post hospitalisation, medical bills, ambulance charges and a lot more.

As a policyholder, what affects my health insurance/mediclaim premium?

Here are a few factors that will affect how much you pay towards a health insurance premium:

  • Your age and that of the eldest family member, in case of family floater health guard.
  • Sum insured
  • Your physical condition (health) and that of all insured members.
  • In case of few products with add-on covers, the premium also depends on the coverage taken under the health insurance policy.

Who can be covered under the Family Health Insurance policy?

Under the Family Floater Health Insurance plan, you can cover yourself, your spouse and up to 4 dependent children. For parents, you can opt for a separate health insurance policy.

What is the zone-wise premium?

  • Zone A

Following cities has been clubbed in Zone A:-

Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Kolkata, Ahmedabad, Vadodara and Surat.

  • Zone B

Rest of India apart, from the states/UTs/cities classified under Zone A and Zone C, are classified as Zone B.

  • Zone C

Following states/UTs have been clubbed in Zone C:-

Andaman & Nicobar Islands, Arunachal Pradesh, Bihar, Chandigarh, Chattisgarh, Goa, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Sikkim, Tripura, Uttarakhand

 

How can I purchase Bajaj Allianz General Insurance Company health insurance for my family?

You can easily purchase a Bajaj Allianz General Insurance Company family health insurance plan online by visiting the official website. Choose a plan, fill in your details, and complete the payment process to secure coverage for your family.

Does Bajaj Allianz General Insurance Company health insurance for families cover pre-existing conditions?

Yes, Bajaj Allianz General Insurance Company medical health insurance for family covers pre-existing conditions after a specified waiting period. Refer to the policy details for information on the waiting period and terms.

What is the age limit for taking this policy?

Individuals from 18 years to lifelong can be covered, while dependent children up to 30 years are also eligible.

Is a cashless facility provided under a family health insurance plan?

Yes, the best family medical insurance in India by Bajaj Allianz General Insurance Company offers a cashless facility at a wide network of hospitals across India.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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