Health Guard
Bajaj
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Covers normal room charges up to 1% of the sum insured per day and actual ICU expenses, ensuring financial relief during hospitalization.
Comprehensive Advanced Treatment Coverage
Covers robotic surgeries, oral chemotherapy, stem cell therapy, and stereotactic radio surgeries, providing financial protection for modern and life-saving medical procedures.
Policy Wording
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Our Verdict
The Bajaj Allianz Health Guard Family Floater Plan offers extensive coverage, including maternity and wellness benefits. Ideal for families seeking comprehensive health protection with flexibility and lifetime renewability, at competitive premiums.
About the Plan
The Bajaj Allianz Health Guard Family Floater Plan offers comprehensive medical coverage, including hospitalization, pre- and post-hospitalization, daycare procedures, and ambulance charges. With a sum insured from ₹1.5 lakh to ₹50 lakh, it covers modern treatments, organ donor expenses, and pre-existing diseases after a waiting period. Available in Silver, Gold, and Platinum variants, it includes cashless treatment, annual health check-ups, maternity cover (Gold & Platinum), and tax benefits. With lifetime renewability and wellness programs, it ensures extensive healthcare protection at competitive premiums.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Max 1% per day of Sum Insured opted.
- ICU: Pay up to actual ICU expenses provided by the Hospital.
- Normal: Max 1% per day of Sum Insured opted.
Advanced Treatments
- Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
- Balloon Sinuplasty
- Deep Brain stimulation
- Oral chemotherapy
- Immunotherapy - Monoclonal Antibody to be given as injection
- Intra vitreal injections
- Robotic surgeries
- Stereotactic radio surgeries
- Bronchical Thermoplasty
- Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
- IONM - (Intra Operative Neuro Monitoring)
- Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
Zone A city will have to pay 20% copayment on admissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.
Waiting Period
- Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.
- Specified disease/procedure waiting period:
Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
- 30-day waiting period:
Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Cashless Healthcare Providers
18,400+ Network Hospitals across India.
Daycare Treatment
Covers treatment or surgery that requires less than 24 hours hospitalization.
AYUSH Treatment
Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.
Exclusions
Pre-existing diseases not disclosed during policy inception.
Cosmetic or aesthetic treatments, unless medically necessary due to injury.
Treatment for self-inflicted injuries or attempted suicide.
Expenses related to substance abuse, including drugs and alcohol.
Medical costs arising from participation in hazardous activities or sports.
Treatment for illnesses or injuries resulting from war, terrorism, or civil unrest.
Procedures related to fertility, sterilization, or contraception.
Non-allopathic treatments, unless specified otherwise in the policy.
Expenses for routine eye and ear examinations, including the cost of spectacles and hearing aids.
Dental treatments or surgeries, unless necessitated by accidental injury.
Exclusions
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Bajaj Allianz is a well-known insurance company in India. It helps people protect themselves, their families, and their belongings. It was started in 2001 as a partnership between Bajaj Finserv, a famous Indian company, and Allianz SE, a big insurance company from Germany.
The company provides general insurance, health insurance, and life insurance products. This helps you save for the future and protects your family.
Bajaj Allianz has grown fast and now has offices in over 1,100 cities across India. In 2025, Bajaj Finserv announced an agreement to acquire Allianz’s stake, which will make it the sole owner.
The company is known for good customer service, simple processes, and innovative products. Its main goal is to give people peace of mind, knowing they have support when they need it most.
About the Company
Still Confused ?
FAQs
Frequently Asked Questions
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
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