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हेल्थ इन्श्युरन्स
An All-rounder Health Cover to Guard Your Family
Coverage Highlights
Get comprehensive coverage for your healthChoose from Best of Plans
Choose from multiple plans to meet your requirements
Wide Sum Insured Options
Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore
Unlimited Reinstatement Benefit & Recharge
Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
प्रिव्हेंटिव्ह हेल्थ चेक-अप
Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan
ऑनलाईन सवलत
Get flat 5% discount when you buy a policy on our website or our Caringly Yours app
Zone Discount
Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live
Fitness Discount & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal
टीप
Please read policy wording for detailed terms and conditions
समावेश
What’s covered?Hospitalisation & Day Care Expenses
Coverage for the cost of in-patient hospitalisation (including room rent type choices), all types of day care procedures, and surgeries
प्री आणि पोस्ट-हॉस्पिटलायझेशन खर्च
Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) are covered as per policy terms
अवयव दाता खर्च
Medical expenses for an organ donor’s in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ
AYUSH Hospitalization cost
Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
सम इन्श्युअर्ड रिइन्स्टेटमेंट
Exhausted sum insured exhausted or SI will be reinstated so that you can avail full coverage for your next claim in a policy year (as per policy terms) if needed
Recharge (For SI 5 Lacs Onwards)
If an unfortunate claim exhausts Sum Insured limit, the then additional amount of 20% Sum Insured (up to 25 INR lacs) will be available
संचयी बोनस
Sum Insured automatically increases at renewal by opted percentage if there is no claim in expiring period
Floater & Individual Sum Insured
Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan
टीप
Please read policy wording for detailed terms and conditions
अपवाद
What’s not covered?प्रारंभिक प्रतीक्षा कालावधी
Treatment expenses during the first 30 days except for treatment of accidental injuries
पूर्वी पासून असलेले रोग
Treatment expenses for pre-existing diseases such as diabetes, asthma, thyroid and other PED, are excluded until 36 months from date of your first Health Guard Policy
Specific Illness Treatment
Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded until 24 months from date of your first Health Guard Policy
मातृत्व खर्च
Treatment expenses related to maternity are excluded until 72 months from date of your first Health Guard Policy
Expenses for Medical Investigation & Evaluation
Medical expenses primarily for diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment
Dietary Supplements & Substances
Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances
Cosmetic Surgery Expenses
Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns
Treatment for Self-Inflicted Acts
Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.
Deductibles & Co-pays
Part of the claim will be borne by you if you have opted for deductibles or co-pay
टीप
Please read policy wording for detailed exclusions
अतिरिक्त कव्हर्स
What else can you get?Air Ambulance Cover (Available for SI 5 Lacs & Above)
Covers expenses incurred for rapid ambulance transportation to the nearest hospital in an airplane or helicopter from the first incident site of illness or accident during policy period
Voluntary Aggregate Deductible
Covers medical expenses for in-patient hospitalisation beyond the voluntary aggregate deductible limit (INR 50,000/ INR 1,00,000/ INR 2,00,000/ INR 3,00,000) as opted as per policy terms for in-patient hospitalisation treatment
हेल्थ प्राईम रायडर
Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & nutrition consultations as per the chosen plan
Respect Rider (Senior Care)
Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service
Room Capping Waiver
Removes the room type restriction of "up to single private air-conditioned room" for Health Guard Gold and Platinum plans and provides coverage for actual room rent expenses without a limit
More Add-Ons
Explore more add-ons to enhance coverage
The Ayushman Bharat scheme, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a crucial initiative designed to provide health coverage to economically vulnerable families. In Gujarat, this scheme, popularly referred to as the Ayushman Bharat Card in Gujarat or Gujarat Ayushman card, brings quality healthcare services to millions of residents across the state. The scheme primarily targets the financially underprivileged, offering them insurance coverage for essential healthcare services at no cost. Bajaj Allianz General Insurance Company Limited is one of the insurers involved in facilitating the PMJAY scheme in Gujarat.
The Ayushman Bharat in Gujarat, launched under the PMJAY, is an extensive health protection scheme catering to the healthcare needs of low-income families in both urban and rural areas. It aims to reduce the financial burden of healthcare by covering hospitalisation costs up to Rs. 5 lakh per year per family.
The Ayushman Bharat Card Gujarat enables beneficiaries to access cashless and paperless medical treatment at public and private hospitals across the state, with insurance providers like Bajaj Allianz General Insurance Company Limited facilitating the process, to ensure that quality healthcare is available to all, regardless of their financial situation.
To avail the benefits of the PMJAY Gujarat, residents must be from specified categories SC/ST, Lower Income Group or EWS. They should meet specific eligibility criteria based on socio-economic status. The eligibility is determined by the Socio-Economic Caste Census (SECC) data from 2011, and the scheme primarily covers:
- Families living in a single room with kucha walls and roof.
- Households without an adult member aged 16-59 years.
- Families with no able-bodied adult members.
- Landless households earning a livelihood through manual labour.
The Ayushman Bharat Card Gujarat offers several key features that make it a lifesaver for economically vulnerable families. Some of the prominent features include:
- Cashless treatment at both public and private empanelled hospitals, including those supported by Bajaj Allianz General Insurance Company Limited.
- Coverage of up to Rs. 5 lakh per family per year for secondary and tertiary healthcare.
- No restrictions on the number of family members covered.
- Coverage for pre-existing conditions from day one.
- Transportation cost reimbursement during hospitalisation.
The Ayushman Bharat Yojana in Gujarat provides multiple benefits to ensure healthcare accessibility for low-income families:
- Free treatment at all empaneled hospitals across Gujarat.
- Coverage of over 1,400 medical conditions, including critical illnesses like cancer, heart diseases, and kidney issues.
- Access to follow-up care for all major treatments.
- Support for day-care procedures without the need for extended hospitalisation.
Compare Insurance Plans Made for You
प्लॅन्स |
![]() हेल्थ गार्ड सिल्व्हर |
हेल्थ गार्ड गोल्ड |
Health Guard Platinum |
---|---|---|---|
Hospital & Day Care SI | INR 1.5/ 2 Lacs | INR 3 lacs to INR 50 lacs | INR 5 Lacs to INR 1 Cr. |
Room Limits | Up to 1% of SI per day and ICU at actuals | Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals | Single private AC room for sum insured of SI 3 Lacs to 7.5 Lacs | Actuals for SI 10 Lacs & above | ICU at Actuals |
Pre- & Post-Hospitalisation | Pre: 60 days & Post: 90 days | Pre: 60 days & Post: 90 days | Pre: 60 days & Post: 90 days |
Organ Donor, AYUSH, Modern Treatments | सम इन्श्युअर्ड पर्यंत | सम इन्श्युअर्ड पर्यंत | सम इन्श्युअर्ड पर्यंत |
रोड अॅम्ब्युलन्स | INR 20,000/policy year | INR 20,000/policy year | INR 20,000/policy year |
Preventive Check-Up | 1% of SI (max up to 2,000) once in 3 years | 1% of SI (max up to 5,000) once in 3 years | 1% of SI (max up to 5,000) once in 2 years |
Maternity & Newborn Care | कव्हर्ड नसलेले | As per limits specified | As per limits specified |
कॉन्व्हलेसन्स लाभ | INR 5,000/policy year | INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above | INR 5,000/policy year for sum insured up to INR 5 lacs | INR 7,500/policy year for sum insured of 7.5 lacs and above |
सम इन्श्युअर्ड रिइन्स्टेटमेंट | 100% of the base sum insured | 100% of the base sum insured | 100% of the base sum insured |
वेलनेस सवलत | Up to 12.5% wellness discount for healthy habits on renewal | Up to 12.5% wellness discount for healthy habits on renewal | Up to 12.5% wellness discount for healthy habits on renewal |
More Covers | See Policy documents for more details |
Get instant access to policy details with a single click
The Ayushman Bharat Card Gujarat covers the following healthcare services:
- Pre-hospitalisation expenses for up to 3 days.
- Post-hospitalisation expenses for up to 15 days.
- Costs of medicines and diagnostics.
- ICU services and non-intensive care.
- Surgical procedures and follow-up care.
The following are not covered under the PMJAY Gujarat scheme:
- Outpatient treatments not requiring hospitalisation.
- Cosmetic surgeries unless related to injury.
- Dental procedures unless linked to severe health issues.
- Surgeries purely for aesthetic purposes like fat grafting or rhinoplasty.
- Organ transplant procedures.
Step-by-Step Guide
खरेदी कसे करावे
0
Visit Bajaj Allianz website
1
वैयक्तिक तपशील प्रविष्ट करा
2
हेल्थ इन्श्युरन्स प्लॅन्सची तुलना करा
3
Select suitable coverage
4
Check discounts & offers
5
Add optional benefits
6
Proceed to secure payment
7
Receive instant policy confirmation
How to Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Notify Bajaj Allianz about the claim using app
1
Submit all the required documents
2
Choose cashless or reimbursement mode for your claim
3
Avail treatment and share required bills
4
Receive claim settlement after approval
How to Port
0
Check eligibility for porting
1
Compare new policy benefits
2
Apply before your current policy expires
3
Provide details of your existing policy
4
Undergo risk assessment by Bajaj Allianz
5
Receive approval from Bajaj Allianz
6
Pay the premium for your new policy
7
Receive policy documents & coverage details
The process of ayushman card online registration Gujarat is straightforward:
- Visit the official PMJAY website.
- Click on the ‘Am I Eligible’ tab and enter your mobile number.
- Submit the CAPTCHA and OTP received and enter your state details.
- If eligible, your name will appear in the beneficiary list.
To apply for the Ayushman Bharat Card Online Gujarat, you need the following documents:
- Aadhaar Card or PAN Card for identity proof.
- Income certificate to verify financial status.
- Caste certificate (if applicable).
- Mobile number and residential address details.
- To check your eligibility for the Gujarat Ayushman card:
- Visit the official Ayushman Bharat website.
- Enter your name, ration card number, or mobile number.
- You can also check your status by visiting a nearby Common Service Centre (CSC) or by contacting the PMJAY helpline.
The PMJAY Gujarat scheme covers numerous critical illnesses, including:
- Cancer treatment, including chemotherapy.
- Cardiac surgeries like coronary artery bypass grafting.
- Orthopaedic surgeries like knee replacement.
- Neurological procedures like skull base surgery.
To download the Ayushman Card Online Gujarat:
- Visit the Ayushman Bharat official portal.
- Log in with your credentials and use your Aadhaar Card to generate your card.
- The card can be downloaded and printed for future use
The PMJAY Gujarat scheme ensures a hassle-free hospitalisation process for beneficiaries:
- Visit an empanelled hospital and provide your Ayushman Bharat ID.
- The Pradhan Mantri Arogya Mitra at the hospital will assist in verifying your eligibility and initiating the treatment process.
- The treatment is entirely cashless, and the network insurance provider such as Bajaj Allianz General Insurance Company Limited, directly settles the medical bills.*
* प्रमाणित अटी लागू
The PMJAY Gujarat covers a wide range of critical illnesses:
- Cardiovascular diseases, including angioplasty and stenting.
- Cancer treatment, including radiation therapy.
- Kidney-related treatments like dialysis.
- Complex surgeries, including organ transplants.
Excellent Service
Bajaj Allianz provides excellent service with user-friendly platform that is simple to understand. Thanks to the team for serving customers with dedication and ensuring a seamless experience.
अमागोंड विट्टप्पा अराकेरी
मुंबई
27th Jul 2020
जलद क्लेम सेटलमेंट
I am extremely happy and satisfied with my claim settlement, which was approved within just two days—even in these challenging times of COVID-19.
आशिष झुंझुनवाला
वडोदरा
27th Jul 2020
Quick Service
The speed at which my insurance copy was delivered during the lockdown was truly commendable. Hats off to the Bajaj Allianz team for their efficiency and commitment!
सुनिता एम आहूजा
दिल्ली
3rd Apr 2020
Outstanding Support
Excellent services during COVID-19 for your mediclaim cashless customers. You guys are COVID warriors, helping patients settle claims digitally during these challenging times.
अरुण शेखसारिया
मुंबई
27th Jul 2020
Seamless Renewal Experience
I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much!
विक्रम अनिल कुमार
दिल्ली
27th Jul 2020
क्विक क्लेम सेटलमेंट
Good claim settlement service even during the lockdown. That’s why I sell Bajaj Allianz Health Policy to as many customers as possible.
पृथ्वी सिंग मियान
मुंबई
27th Jul 2020
The Ayushman Card Gujarat can be obtained online by visiting the official PMJAY portal, verifying eligibility, and downloading the card. Alternatively, you can visit a Common Service Centre (CSC) for assistance.
No, the Ayushman Bharat Yojana in Gujarat is entirely free for eligible families, covering treatment costs without requiring any out-of-pocket expenses.
Yes, diabetes and related complications are covered under the PMJAY Gujarat scheme.
The Ayushman Bharat Card Gujarat is valid for the lifetime of the beneficiary, provided they remain eligible under the scheme's criteria.
In case of refusal, contact the PMJAY helpline or the Pradhan Mantri Arogya Mitra present at the hospital. They will help resolve the issue and ensure you receive the required treatment
Yes, cancer treatment, including chemotherapy and surgeries, is covered under the Ayushman Bharat in Gujarat scheme.
For most secondary and tertiary healthcare needs, the coverage of Rs. 5 lakh provided under the PMJAY Gujarat is sufficient.
Visit the official PMJAY portal and log in with your credentials to update your data or visit a nearby CSC for assistance.
Log in to the PMJAY portal and update your mobile number under the profile section.
Yes, the PMJAY Gujarat scheme provides coverage to all eligible individuals, including those above 80 years of age.
Yes, farmers falling under the specified socio-economic criteria are covered under the Ayushman Bharat Yojana in Gujarat.
Yes, orthopaedic treatments, including surgeries and rehabilitation, are covered under the PMJAY Gujarat scheme.
You can find your Household ID by visiting the PMJAY portal and entering your details or by visiting a CSC.
The Ayushman Card Gujarat can be made by visiting the official PMJAY portal, checking eligibility, and downloading the card.Is the Ayushman card free in Gujarat?
Yes, the Ayushman Bharat Card Gujarat is provided free of cost to eligible beneficiaries.
The Ayushman Bharat in Gujarat scheme has transformed the healthcare world by offering essential medical coverage to those in need. With comprehensive benefits and a hassle-free application process, it continues to ensure that healthcare remains accessible to all.
मेडिकल इन्श्युरन्स अनपेक्षित वैद्यकीय खर्चापासून आर्थिक संरक्षण प्रदान करते. तुमची सेव्हिंग्स कमी न करता दर्जेदार आरोग्यसेवेचा ॲक्सेस सुनिश्चित करते.
तुम्ही पॉलिसीच्या अटींनुसार तुमचे पती / पत्नी, मुले, पालक आणि इतर अवलंबून असलेले जोडू शकता, सर्वसमावेशक कुटुंबाचे कव्हरेज सुनिश्चित करू शकता.
ऑनलाईन तुलना तुम्हाला तुमच्या गरजा आणि बजेटसाठी अनुकूल असलेला सर्वोत्तम प्लॅन शोधण्यास मदत करते, कव्हरेज आणि लाभांची स्पष्ट समज देते.
प्रीमियम विलंबामुळे पॉलिसी लॅप्स होऊ शकते, कव्हरेज लाभ आणि आर्थिक संरक्षण गमावू शकते आणि पॉलिसी रिन्यू करण्यात अडचणी येऊ शकतात.
इन्श्युरर कडे फिजिकल कॉपीची विनंती करा किंवा ईमेलद्वारे प्राप्त झालेल्या डिजिटल पॉलिसी डॉक्युमेंटची प्रिंटआऊट घ्या.
नामंजूर होणे टाळण्यासाठी आणि वेळेवर प्रोसेसिंग सुनिश्चित करण्यासाठी पॉलिसीच्या अटींनुसार निर्धारित वेळेत क्लेम केले पाहिजेत.
तुमचा वैयक्तिक हेल्थ इन्श्युरन्स प्लॅन खरेदी करण्यापूर्वी तुमच्याकडे असलेल्या वैद्यकीय स्थिती म्हणजे पूर्व-विद्यमान स्थिती होय. यासाठी कव्हरेजसाठी प्रतीक्षा कालावधी किंवा अपवाद आवश्यक असू शकतात. तुमच्या हेल्थ रेकॉर्ड बाबत पारदर्शक राहा.
इन्श्युरर रिएम्बर्समेंटद्वारे हॉस्पिटलचे बिल कव्हर करतात (तुम्ही अपफ्रंट देय करता आणि नंतर परतफेड मिळवता) किंवा कॅशलेस हॉस्पिटलायझेशन (इन्श्युरर नेटवर्क हॉस्पिटल्ससह थेट बिल सेटल करतो).
वैयक्तिक हेल्थ इन्श्युरन्स प्रीमियम अनेकदा इन्कम टॅक्स ॲक्टच्या (इंडिया) च्या सेक्शन 80D अंतर्गत टॅक्स कपातीसाठी पात्र असतात.
पर्सनल मेडिकल इन्श्युरन्स आजार, अपघात किंवा हॉस्पिटलायझेशनमुळे उद्भवणाऱ्या अनपेक्षित वैद्यकीय खर्चापासून आर्थिक संरक्षण प्रदान करते. हे मनःशांती प्रदान करते आणि तुमच्या सेव्हिंग्सचे संरक्षण करते.
छोट्या छोट्या गोष्टींवरून तणाव घेण्याची गरज नाही. तुमची लाईफ इन्श्युरन्स पॉलिसी रिन्यू करण्याची सोपी आणि वेगवान पद्धत म्हणजे ती ऑनलाईन करणे. तुमचे हेल्थ इन्श्युरन्स कव्हर टॉप अप केल्यामुळे मोठ्या वैद्यकीय खर्चांपासून तुम्हाला स्वातंत्र्य मिळते.
आम्हाला माहित आहे की हेल्थ इन्श्युरन्स पॉलिसीच्या कठीण अटी आणि शर्ती वाचणे कायमच सोपे नसते. त्यामुळे, हे तुमचे उत्तर आहे. तुमचा रिन्यूअल प्रीमियम तुमचे वय आणि कव्हरेज यांच्यावर आधारित असतो. नेहमीप्रमाणेच, तुम्ही हेल्थ इन्श्युरन्समध्ये लवकरात लवकर गुंतवणूक करून जास्तीत जास्त चांगला वापर करू शकता.
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
नक्कीच! तुम्हाला तुमचा हेल्थ इन्श्युरन्स काही वेळा क्लिक किंवा टॅप करून रिन्यू करायचा आहे. तुम्ही हेल्थ इन्श्युरन्स पॉलिसी ऑनलाईन रिन्यू करू शकता आणि तुमच्या कुटुंबासाठी तसेच मित्रांसाठी नवीन पॉलिसी घेऊ शकता. अधिक माहितीसाठी येथे क्लिक करा.
हो, IRDAI नियमावलीनुसार दोन प्रोव्हायडर्स मध्ये इन्श्युरन्स पोर्टेबिलिटी शक्य आहे. यात आधी अस्तित्वात असलेल्या आजारांसाठी प्रतीक्षा कालावधींशी संबंधित संचयी बोनस आणि क्रेडिट यांचे लाभांचे ट्रान्सफर समाविष्ट आहेत.
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