Bajaj Allianz

Health-Guard Gold: A solid policy with comprehensive benefits including maternity coverage (after 6 years), without outrageous conditions. It's reasonably priced.

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whatWeLike What We Like

This section highlights the strengths and benefits of Health Guard Gold policy by Bajaj Allianz. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

No Co-Payment: The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. If...

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You can pick a Single Private room but nothing fancy

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Some Restoration Benefit

Cover Restoration for Different Complications: Once you exhaust your entire cover, you will have 100% of the cover restored if you are hospitalized ag...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Health Guard Gold policy by Bajaj Allianz. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Special Bonus for being healthy and not claiming insurance

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Maternity benefits offered

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Some Cover for Alternative Medicine

Sum Insured Increase (10% Annually, Claim Reduction): Your sum insured increases by 10% each year, provided no claims are made during this period. The...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Health Guard Gold policy by Bajaj Allianz. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No free Health Checkups unless you wait 3 years

Maternity Coverage (?25,000, 6-Year Wait): The insurer covers maternity expenses up to ?25,000, with a 6-year waiting period.

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Health Guard Gold in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Bajaj Allianz Health Guard Gold Plan is available for individuals aged 18 to 65 years, with the option to cover family members as well.

Yes, pre-existing diseases are covered after a waiting period of 24 months.

Yes, the plan includes coverage for alternative treatments such as Ayurveda and Homeopathy, up to a specified limit.

The plan covers a wide range of hospitalization expenses, including room rent, ICU charges, and doctor's fees.

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