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Bajaj Allianz Family Floater Health Guard

Eligibility  
Entry Age (years)  
Minimum 18; 3 Months for Children
Maximum 65; 25 for Children
Maximum Policy Renewal Age (years) 80
Sum Insured (Rs)  
Maximum 10 lakh for entry age upto 55 years and 5 lakh for higher age group
Minimum 2 lakh
Policy Term (years) 1
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Family discount of 10% is applicable .
Premium discount on choosing voluntary deductible.
No Claim Bonus 5% cumulative bonus benefit for each claim free year, maximum up to 50%. CB would be passed for Sum Insured Rs 2,00,000 and above when continuously renewed. In case of a claim during the year, the cumulative bonus will be reduced by 10%
Pre Policy Medical Check Up Not required below 46 years of age upto Sum Insured of Rs 10 lakh. Compulsory for 46 years and above. 100% reimbursement on acceptance of proposal.
Grace Period for Policy Renewal 15 days grace period is allowed to policyholder for payment of premium. If policyholder fails to make payment within the grace period, the 2 year or 4 year waiting period shall start afresh
Co Payment Clause 10% of the medical bills have to be borne by the policyholder himself for medical treatment in non empanelled hospital. Any applicant above 55 years of age will be required to pay 20% of medical bills each time medical services are accessed. Waiver of co payment clause is possible on payment of extra payment.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service  
Address Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to customercare@bajajallianz.co.in
Call to 1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858
Scope Of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursementIn case policyholder opts for non empaneled hosiptal , expenses are re-imbursed withing 14 working days from date of submission of all records. Moreover, insurance company will bear the expenses in excess of 10% of total claim amount
Pre-post hospitalisationRelevant medical expenses covered from 60 days prior and 90 days post hospitalisation
In-patient treatmentCovered
Pre-hospitalisationCovered
Post-hospitalisationCovered
Day Care Procedures130 day care procedures are covered subject to conditions
Emergency AmbulanceCovered; subject to maximum limit of Rs 1,000
E-Opinion (Second opinion) in respect of a Critical IllnessCovered, for Sum Insured of Rs 5 lakh, Rs 7.5 lakh and Rs 10 lakh
Health Check UpCovered; for a maximum amount of Rs 1000 at the end of 4 continuous claim free years
Exclusions and Waiting Period
Pre-existing disease4 years waiting periods applicable for Pre-existing diseases
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as hernia, piles, cataract , sinusitis shall be covered after a waiting period of 2 years.Certain diseases such as joint replacement surgery , surgery for prolapsed inter vertebral disc (unless necessitated due to accident ), Surgery to correct deviated nasal septum and hypertrophied turbinate , congenital internal diseases or anomalies and laser treatment for correction of eye sight due to refractive error will have a waiting period of 4 years
Deductible10000 to 2.5 lakh
General ExclusionsNon allopathic treatment.AIDS and other related diseases.Cosmetic, beauty, weight reduction and other likely treatments.Use of alcohol or other addictive substances.War, participation in any criminal activity or any other related condition.Treatmenmt of any mental or related disease.