Bajaj Allianz

Health-Guard Platinum: Offers extensive benefits, including maternity coverage (after 6 years), but is quite pricey. Consider Health-Guard Gold before finalizing.

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whatWeLike What We Like

This section highlights the strengths and benefits of Health Guard Platinum 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.

Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (50% First 2 Years, Then 10% Annually): Your sum insured increases by 50% each year for the first 2 years as long as you make no ...

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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 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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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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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Health Guard Platinum 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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Free Health Checkups every 2 years

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

Biannual Full Body Checkup: If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the in...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Health Guard Platinum 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 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 Bajaj Allianz Health Guard Platinum Plan offers a higher sum insured and additional benefits such as wellness programs and preventive health check-ups.

Yes, the plan covers pre-existing conditions after a waiting period of 24 months.

Yes, the plan includes maternity benefits after a waiting period of 3 years.

Yes, the plan offers global coverage for emergency hospitalization while traveling abroad.

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