Calculate Indiavidual Health Guard Premium
Your Premium is:
*Service Tax Extra
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Complete Health Insurance for You
Bajaj Allianz's Individual Health Guard plan is designed to suit all your health care needs. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious illness or accident.
Your health is precious to you - it enables you to live your life the way you please. But a sudden illness or accident can put a stop to your way of living and empty your savings. Protect yourself with the Bajaj Allianz Individual Health Guard - an all-round policy that covers you against medical expenses including hospitalization, in the event that you fall ill or have an accident. Now you don't ever have to worry about not having enough money for treatment in case things go wrong.
Tax Exemption
Tax exemption under Section 80D on premium paid upto Rs.15000/- p.a.
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You can also save tax with health insurance
It's common knowledge that buying health insurance helps you to save tax. Under Section 80D of the Income Tax Act 1961, you can get a maximum tax benefit of Rs.15000 on health insurance premium paid. The exemption limits are as follows:
- An individual can avail an annual deduction of Rs.15000 from taxable income for health insurance premium paid for self and dependants. 'Dependents,' in this case, refers to spouse and children.
- In the case of senior citizens (aged 56 years and above), the annual deduction from taxable income goes up to Rs.20000.
But here's a tidbit that might help you save more tax than you think:
- If you are paying the premium for your parents' health insurance, you can claim an additional tax benefit up to Rs.15000 under the provisions of Section 80D.
- If your parents are senior citizens (aged 56 years and above), the benefit goes up to Rs.20000.
However, there are a few conditions:
- You cannot claim tax benefit on health insurance premium paid for your in-laws.
- Proof of payment of premium has to be furnished, in order to avail the tax benefit.
- Except cash, any mode of payment is acceptable for claiming tax benefit.
- The health insurance premium must be paid from your taxable income of that year only if you want to claim a deduction. If you have paid the premium from your savings or from gifts of money received by you, then you will not be eligible to claim tax benefit under Section 80D.
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Key features
What Coverage Do I Get?
- The policy covers hospitalization expenses for you.
- You will have access to cashless facility at over 3000 empanelled hospitals across India.(subject to exclusions and conditions)
- Pre and post hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
- Covers ambulance charges in an emergency subject to a limit of Rs 1000.
- 130 daycare procedures are covered subject to terms & conditions.
Value Added Services
To learn more about Value Added Services click here
The offers mentioned herein are subject to change without notice. Please check
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That's not all
What Benefits Do I Get?
- Family discount of 10% is applicable.
- 5% cumulative bonus benefit for each claim free year, maximum up to 50%. cumulative bonus would be passed for sum insured Rs.2,00,000/- and above continuously renewed with us.
- No medical tests upto 45 years, subject to clean proposal form.
- Medical tests (pre-policy check-up) are mandatory for members aged 46
years and above.
- The pre-policy check up would be arranged at our empanelled diagnostic centers.
- 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued.
- In case the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
- Health check-up at designated Bajaj Allianz diagnostic centers or reimbursement upto Rs.1000/- at the end of 4 continuous claim-free years. This benefit can be availed by only one member of the family.
- Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
Want a discount on the premium?
| Deductible Amount |
Discount (%) |
| 10,000 |
10.0% |
| 15,000 |
15.0% |
| 25,000 |
17.5% |
| 50,000 |
20.0% |
| 75,000 |
22.5% |
| 1,00,000 |
25.0% |
| 1,50,000 |
27.5% |
| 2,00,000 |
30.0% |
| 2,50,000 |
32.5% |
* Voluntary Deductible means the amount that would be borne by the insured with respect to each and every hospitalization claim incurred within the policy period.
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Know more
Am I Eligible for It?
- Entry age for proposer is 18 years to 65 years. The policy can be renewed upto 80 years*.
- Children aged 3 months to 25 years can be covered under this policy.
* Please see the brochure for more details.
How does the Health Guard policy benefit me?
In these times of rising medical costs, Bajaj Allianz's Health Guard Policy is the perfect Health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness. The policy covers pre and post
hospitalization expenses and also ambulance charges in case of an emergency (subject to a limit of Rs. 1000/-)
Savings with Health Insurance Policy
To learn more about Value Added Services click here
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No Fine-print
Are There Any Exclusions?
- A waiting period of 4 years will be applicable in the case of pre-existing diseases.
- Any disease contracted during the first 30 days of commencement of
the policy will be excluded from coverage.
- Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs.35,000) and sinusitis shall be covered after a waiting period of 2 years.
- Treatment consisting of non-allopathic medicine will not be covered.
- Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance)
- Cosmetic, aesthetic or related treatments will not be covered.
- Treatment will not be covered for use of intoxicating and/or addictive substances like alcohol, drugs etc.
- Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it is covered.
Don't go only by premium
The claim settlement record of the company is also important.
Review by i-save.com as featured in The Economic Times Wealth
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Frequently Asked Questions and Support
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