Bajaj Allianz Health Guard Health Insurance

Bajaj Allianz Health Insurance

Bajaj Allianz Claim Settlement Ratio

Bajaj Allianz Premium Calculator

Coverage range

2 Lakh - 1 Cr

Premium starts from

3,550/ Yr

Age eligibility

91 days - 65 years

Claim settlement ratio

98.48%

What Is Special About Health Guard Policy?

Bajaj Allianz's Health Guard is designed to suit all your health care needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident. This cover has comprehensive benefits with affordable price suitable to your needs

Convalescence Benefit of 5,000/- for Sum Insured up to Rs. 5 lacs and 7,500/- for Sum Insured 7.5 lacs and above per policy year

Features of Bajaj Allianz Health Guard Health Insurance Policy

Check the features and coverage of Bajaj Allianz Health Guard Health Insurance plan below:

Ambulance Charges

Upto Rs 20,000 per policy period.

Ayush Treatment

Max liability upto Rs. 20,000 for policy tenure greater than 1 year

Co-pay

20% co-payment for Persons paying zone B premium but taking treatment in Zone A.

Cover Restoration

100% of reinstatement sum insured Once in a policy year, covered for same claimed illness also

Day Care Procedures

101 procedures covered

Free Health Check-up

Free health checkup every 3 years. 1% of cover amount, maximum up to Rs 5000

Bajaj Allianz Health Guard Plan Resources

Policy Brochure

Exclusions of Bajaj Allianz Health Guard Health Insurance Policy

Bajaj Allianz Health Guard plan does not cover the following:

Daily cash allowance

Treatment at home

Opd expenses

Cosmetic surgery

Drugs / alcohol abuse

Self-inflicted injury

Other Plans From Bajaj Allianz

Bajaj Allianz health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 1687/yr. The sum insured ranges from Rs. 50,000 - 10 Lakh. Details of the comprehensive coverage provided by the following 1 Bajaj Allianz health insurance plan is listed below:

Bajaj Allianz Family Health Care Policy

Starting Premium- 1,687/Yr

Eligible Age

91 days - 65 years

Coverage

50,000 - 10 Lakh

Calculate Health Guard Plan Premium

Use the Bajaj Allianz health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

Bajaj Allianz Claim Settlement Ratio

98.48%

Bajaj Allianz

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Bajaj Allianz has a claim settlement ratio of 98.48%, as compared to the industry average of 94.21%.

Know More About Bajaj Allianz Claim Settlement

Bajaj Allianz Claim Process

Bajaj Allianz supports both cashless claims and reimbursement claims. This section covers the information on how to check Bajaj Allianz health insurance claim status, fill Bajaj Allianz health insurance claim form, and the claim settlement process.

Cashless health insurance claim process In case of a healthcare emergency, if you decide to avail the cashless facility by getting admitted in the nearest network hospital,the following is the process for the claim

Take admission at network hospitals for cashless treatment
For planned admission, you need to place a pre-authorisation request for cashless facility needs to be placed 48 hours before admission and for emergency admission at a network hospital,the request can be placed within 24 hours of admission to the hospital
Hospital verifies customer details and sends the pre-authorisation form to the insurance company
The company verifies pre-authorisation request details with policy terms and benefits and then communicates the decision to the provider
If the cashless request gets approved, compensation will be directly given to the hospital at the time of discharge after all the relevant documents are submitted by the hospital

Reimbursement health insurance claim process:

In case you decide to avail the treatment at non-network hospitals of the insurance company, then the cashless facility cannot be availed. However, you can get the incurred out of pocket expenses reimbursed. Following is the process to be followed for reimbursement of such claims
Take admission at the preferred hospital. Payout of your pocket at the time of discharge and collect all the original documents and discharge papers
Initiate the reimbursement claim with Bajaj Allianz General Insurance Company and submit all the relevant documents along with the duly signed and filled claim form
Company will take decision-based on its review and verification of the documents submitted
Once the claim is approved, the payment of the claim will be made within 15 days’ time

Bajaj Allianz Health Insurance Renewal Process

Online Process For Bajaj Allianz Health Insurance Renewal

Bajaj Allianz Health Insurance offers a simple two-step online renewal process, and here are the steps to follow:
Step 1: Visit the Bajaj Allianz General Insurance website and click on the 'Renew' tab. Then, under the health insurance section, click on the 'Renew Now' button.
Step 2: Enter the required details like Bajaj Allianz Health policy number, date of birth to view your premium details. Select your renewal quote and make the payment

Offline Process For Bajaj Allianz Health Insurance Renewal

For the offline method of renewing your Bajaj Health Policy, you can also call their customer service advisors at 1800 2700 700 who will help you renew your health insurance policy instantly, and provide clarification for any of your queries about the terms and conditions or anything else
The status of Bajaj Allianz policy renewal can be checked either online on their website or offline by visiting their nearest branch or calling their helpline number
There is another way to easily renew your policy with the help of Turtlemint Insurance Advisors. You can visit www.turtlemint.com for your Bajaj Allianz health policy renewal