Bajaj Allianz Family Floater Health Guard Insurance Policy Benefits, Features, Buy & Renew

Bajaj Allianz Family Floater Health Guard Insurance Policy – A family is the most important thing in the world. Additionally, it is the responsibility of the breadwinner to ensure the health and safety of their family. Things do not always go as planned. In light of the rising costs of medical care in India, it is now necessary to purchase adequate health insurance. Hospital costs are skyrocketing, and even for minor procedures or treatments, a hospital stay of four to five days can cost around Rs. easily one lakh.

The most cost-effective way to provide coverage for your loved ones is through the Bajaj Allianz Family Floater Health Guard insurance plan. This plan can be made to meet all of your family’s medical needs. When it comes to safeguarding your loved ones on a single sum assured, it is prudent to purchase a family floater health insurance plan. It isn’t expected to keep up with numerous health care coverage strategies when everybody can get inclusion under a solitary family floater health care coverage plan. Your spouse, parents, and children are all covered by the plan.

Bajaj Allianz Family Floater Health Guard Insurance Policy

This strategy has been conceived such that it deals with all your health care coverage needs. The company will pay for all of your medical bills while you are in the hospital. It is a policy that covers a lot of ground at a price that is still affordable. It has many benefits that help a lot financially and prevent you from having to deal with a loss of income if you get hurt or sick.

This can be purchased as individual or family floater health insurance for one, two, or three years. The plan also covers Ayurvedic and Homeopathic treatments in addition to regular hospitalization. If you don’t have enough money, major hospital costs can drain all of your savings and even put you in debt.  If the hospitalization costs exceed your resources, what should you do? What are your plans in such a circumstance? As a result, having a health insurance plan is critical in today’s world.

Bajaj Allianz Family Floater Health Guard

Bajaj Allianz Family Floater Health Guard Plan 2023 Details

Name Of Article Bajaj Allianz Family Floater Health Guard
Bajaj Allianz Family Floater Health Guard Plans Click Here
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About Bajaj Allianz Health Guard Family Floater Health Insurance

Wellbeing Watchman Family Floater Strategy presented by Bajaj Allianz General Insurance is a repayment based clinical protection contract that offers complete inclusion for different medical care costs. Accessible for families, this approach is intended to deal with clinical treatment costs emerging during hospitalization because of difficult sickness or mishap. It comes in three variations with an assortment of total protected choices beginning from as low as Rs. 1.5 Lakh going up to Rs. 1 Crore, which you can pick according to your prerequisites. The three variations are Silver, Gold, and Platinum, which vary from one another as far as inclusion advantages and aggregate safeguarded choices.

Under the strategy, you can cover your legitimately married companion, guardians, sister, sibling, guardians in-regulation, auntie, or uncle separated from self, in the event that they are matured between 18 years and 65 years. You can purchase this approach for 1 year, 2 years, or 3 years however it is prescribed to get it for the long haul with the goal that you don’t need to reestablish it now and again. Some inclusion helps that you can benefit of under this arrangement remember for patient hospitalization costs, pre-hospitalization and post-hospitalization costs, domiciliary hospitalization costs, street rescue vehicle costs, organ benefactor costs, and so on. So, this strategy diminishes your pressure of having sufficient cash for treatment in the event that anything turns out badly.

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Best Features of Bajaj Allianz Health Guard Gold Plan

  • The strategy permits a great deal of decisions in the total safeguarded
  • Strategy Term can be according to your comfort of 1 year, 2 years or 3 years
  • Benefit credit only treatment in north of 5700 organization medical clinics
  • Get a combined reward of 10% for each guarantee let loose year to 100 percent
  • Family markdown 2 individuals 10%, 3 individuals 15%
  • No pre-approach clinical trials before 45 years old
  • 100 percent reestablishment of the aggregate safeguarded on the off chance that guarantee sum surpasses total protected
  • Substitute medicines and Bariatric medical procedure are additionally covered

Benefits of Bajaj Allianz Health Guard Gold Plan

Do you want to protect yourself and your family from accidents? If so, then you should definitely consider getting a Bajaj Allianz Health Guard Gold Plan. This plan offers you comprehensive coverage for a wide range of health risks, including medical expenses, hospitalizations, and accidental death. Plus, you can be reassured that all your claims will be handled quickly and efficiently. So if you’re looking for a way to protect yourself and your loved ones, then the Bajaj Allianz Health Guard Gold Plan is the right option for you.

In-patient Treatment

When because of a physical issue or a sickness, your primary care physician recommends a hospitalization for north of 24 hours the clinical costs will be covered under the Wellbeing Watchman Gold Arrangement.

Pre and Post-hospitalization

At the point when you get hospitalized the costs are not restricted to your visit in the medical clinic alone. To assist you with managing such costs, the Wellbeing Watchman Gold Arrangement covers the treatment-related costs 60 days earlier and 90 days after the hospitalization also.

Multiple Sum Insured Options

Bajaj Allianz Wellbeing Gatekeeper Gold Arrangement offers you a ton of decision in the total safeguarded. You can choose any of these sums based on your necessities as well as your spending plan INR 1.5 lakhs and INR 2 lakhs (silver arrangement), INR 3/4/5/7.5/10/15/20/25/30/35/40/45/50 lakhs (gold arrangement).

Cover for the Whole Family

At the point when you put resources into Wellbeing Gatekeeper Gold Arrangement, alongside yourself you can cover your companion, guardians, subordinate kids, grandkids, kin, guardians in-regulation, uncle and auntie under the Singular choice and cover yourself, your life partner and ward youngsters under the family floater choice.

Reinstatement of Sum Insured

Assuming that the aggregate protected and total reward, if any, gets depleted during the approach year, it will be restored 100 percent.

Ambulance Charges

A limit of INR 20,000 in a strategy year will be covered against the rescue vehicle benefits that you use in the event of crisis transport of the safeguarded individual.

Cash Benefit for Accompanying an Insured Child

At the point when a parent/legitimate gatekeeper needs to remain in the emergency clinic with an under 12 kid, an everyday money advantage of INR 500 for a most extreme time of 10 days would be paid. Kindly remember that this advantage will be material just when the treatment goes under in-patient hospitalization and assuming the arrangement term is 2/3 years.

Convalescence Benefit

In case you or an insured member is hospitalized for the treatment of an injury/ illness or over 10 days, a benefit amount would be paid, depending upon the sum insured opted for.

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No Pre-policy Medical Tests

If you enjoy good overall health, you need not undergo any pre-policy medical tests till the age of 45 years. New proposals over 45 years will undergo a test arranged by Bajaj Allianz empaneled centers. If the proposal is accepted and the policy is issued, the entire cost of the check-up would be refunded.

Day-care Procedures

The medicines/medical procedures that don’t need 24-hour hospitalization and are required as in-patient/day-care techniques are additionally covered under this arrangement.

Organ Donation

Under the Transfer of Human Organ Alteration Bill, 2011, the organ contributor’s treatment for collecting the organ would be covered.


At the point when you buy the Wellbeing Gatekeeper Gold Arrangement, there are a lot of alluring limits that you can benefit:

  • Family Markdown 2 individuals 10%, 3 individuals 15%
  • Long haul Strategy Limits 4% for a 2-year strategy, 8% for a 3-year strategy
  • Copay Rebate If co-pay is selected, 10%-20% markdown
  • Representative Markdown 20%

Ayurvedic / Homeopathic Hospitalization

On the off chance that you hospitalized in an administration approved Ayurvedic/Homeopathic clinic for north of 24 hours, the clinical costs would be covered.

Maternity & NewBorn Baby Cover

Under the Wellbeing Gatekeeper Gold Arrangement, the conveyance of the child, pregnancy-related medicines two times during the lifetime of the protected part, will be covered. Your infant will naturally go under the arrangement cover till 90 days from birth.

Health Check-ups

At the point when you complete 3 nonstop long periods of strategy inclusion, you would be qualified for a Preventive Wellbeing Exam. In a singular strategy, you would be repaid up to 1% of the aggregate guaranteed, most extreme up to INR 5,000 for each covered part during the 3-year block. Under the Family Floater choice, just you and your companion would have the option to profit this advantage.

Cumulative Bonus

For each guarantee free year, you can get a cover increment of 10% of the total protected. The most extreme combined advantage can go as long as 10 years.

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Plan Details of Bajaj Allianz Health Guard Gold Plan

Entry Age 18 years – 65 years

Children 3 months to 30 years

Tenure of Policy 1 year/ 2 years/ 3 years
Type of Policy Individual/ Family Floater Basis
Pre-existing Disease Waiting Period 36 months

Waiting Period

The waiting period is applicable as follows:

  • 72 months of without break inclusion from the initiation of the strategy for pregnancy and labor related inconveniences.
  • three years of without break inclusion from the initiation of the strategy for all prior diseases and conditions.
  • two years of sans break inclusion from the origin of the approach for indicated ailments and medicines.
  • multi month from initiation of the arrangement for any sort of disease/infection.
  • Unintentional wounds are covered from day 1.

Free Look Period

With Wellbeing Watchman Gold Arrangement, you get a time of 15 days to survey its agreements, and on the off chance that you don’t feel totally happy with the strategy, you can bring it back. Remember it:

  • The strategy can be returned provided that no case has been made
  • The health care coverage expense will be discounted in the wake of deducting the accompanying:
  • Stamp obligation charges
  • Proportionate gamble covered
  • Wellbeing exam expenses that are finished by the organization

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What is not Covered in Bajaj Allianz Health Guard Gold Plan?

Bajaj Allianz health insurance plans come with a whole range of benefits and cover a wide range of medical conditions. However, there are some medical conditions that are not covered by the Bajaj Allianz Health Guard Gold Plan. If you’re wondering what medical conditions are not covered by the Bajaj Allianz Health Guard Gold Plan, don’t worry – we’re here to help. In this article, we’ll list all the medical conditions that are not covered by the Bajaj Allianz Health Guard Gold Plan. We’ll also give you tips on how to get coverage for these conditions.

Prohibitions are a piece of each and every insurance contract.

  • Self-caused wounds
  • A physical issue caused because of cooperation in an unlawful demonstration
  • Plastic or corrective medical procedure, except if it results from an inadvertent physical issue
  • Inherent outside illnesses or irregularities, hereditary issues
  • Immature microorganism implantations
  • Medical procedure for change of orientation
  • Ailments emerging because of maltreatment of liquor as well as medications
  • Treatment for fruitfulness, barrenness and ineptitude
  • Circumcision

Renewal Process of Bajaj Allianz Health Guard Gold Plan

To keep partaking in the advantages of the strategy, you should guarantee that the approach is restored on time. Contingent upon the residency chose by you, the arrangement might be recharged every year or following long term or 3 years. On the off chance that you don’t recharge the strategy before the expiry date, you would be given an elegance time of 30 days, during which you should pay the reestablishment sum. On the off chance that you don’t reestablish the approach during this period, the arrangement will lapse. You should recollect that a case made during the effortlessness time frame won’t be acknowledged.

For the reestablishment of your Wellbeing Gatekeeper Gold Arrangement, you can visit the organization site, go to medical coverage and enter your strategy subtleties. When you make the internet based installment, the approach would be reestablished quickly.

Bajaj Allianz Health Insurance Customer Care Details

Website Address
Phone numbers 1800-103-2529, 1800-209-0144, 1800-209-5858
Email ID [email protected]
For Senior Citizens [email protected]

Bajaj Allianz House, Airport Road, Yerawada, Pune-411006

Claim Process of Bajaj Allianz Health Guard Gold Plan

If you have suffered any injuries as a result of an accident, then Bajaj Allianz Health Guard Gold Plan is the perfect policy for you. This policy offers comprehensive benefits that will help you get the medical treatment that you need and compensation for your losses. Here’s a guide on how to claim your benefits under this policy. Bajaj Allianz Health Guard Gold Plan is a comprehensive health insurance policy for the employees of the company. The policy provides coverage for hospitalization, critical illness, maternity care, child care and dental care. The coverage begins as soon as the employee starts working for the company.

Cashless Claim

Credit only medical coverage offices are accessible to the policyholders just at network emergency clinics. You ought to keep a customary mind the rundown of organization clinics as it is refreshed consistently.

At the clinic Assist Work area, you with needing to show your Arrangement Wellbeing Card and Substantial Character verification. In the event that it is an arranged hospitalization, register your case no less than 3-4 days prior. In the event of a crisis confirmation, you need to illuminate the organization inside the initial 24 hours. Fill in and present the pre-authorisation structure with the chiefs. Other required records will be shipped off the organization wellbeing organization group. When the case is endorsed, you will actually want to benefit credit only treatment.

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Reimbursement Claim

According to the agreements of the approach, your hospitalization alongside the pre and post-hospitalization charges will be repaid. After the release of the protected part, in somewhere around 7 days, you really want to present every one of the bills and treatment-related records with the organization. When all the desk work is checked, your case will be supported and you will be repaid for every one of the clinical costs that you brought about during the treatment.

Required Documents

  • Government-authorized Identity Card
  • Health card/ Original Policy Papers
  • A consultation letter from the Doctor that advises hospitalization
  • All treatment-related bills and receipts
  • All Diagnostic Reports
  • Police FIR or Medico-Legal Certificate in case of accidental injuries

Bajaj Allianz Health Insurance – Network Hospitals

Clinics that have a joint effort with the organization are called network emergency clinics. They have a concurrence with the Organization for giving Credit only treatment to the guaranteed patients. The rundown of Bajaj Allianz network clinics is accessible on the authority site. As it gets refreshed consistently, you ought to keep a standard beware of the rundown of organization emergency clinics.

With an organization of north of 6,500 unmistakable emergency clinics in its organization, Bajaj Allianz medical coverage guarantees that you are never away from quality medical services. Going to an organization emergency clinic for hospitalization will make the treatment exceptionally simple and helpful.

Review of Bajaj Allianz Health Guard Gold Plan

Because of clinical expansion throughout the course of recent years, there has been an enormous expansion in medical care administrations. Furthermore, the ascent of Coronavirus has been a reminder for all to put resources into a medical coverage plan.

A couple of long periods of hospitalization can consume a major opening in your pocket, however with the Wellbeing Gatekeeper Gold Arrangement, the clinical costs of the hospitalization would be covered. This is a comprehensive strategy which comes at an entirely reasonable cost. The advantages like pre and post-hospitalization cover, wellbeing tests, improvement benefit, combined reward, emergency vehicle cover and so forth make this arrangement an exceptionally extensive one.

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