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Bajaj General Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses related to Illness/surgery. Bajaj General Health Guard policy is designed to suit all healthcare needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident.
This policy can be purchased on individual or family floater basis. There are three variants available of the Bajaj General Health Guard Policy- Silver, Gold, and Platinum.
| PLAN DETAILS |
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Bajaj Health Guard Plan |
Galaxy Top Up Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 3216 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Covered |
| Plan Entry Age | 18 Years to Lifelong | Adult: 18 years to 65 years, Dependent children: 16 days to 25 years |
| Plan Premium Entry Age and S/A | 5500 | 1995 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | Hospitalization expenses, pre and post expenses, daycare treatments, AYUSH treatment cover, organ transplant cover, ambulance and air ambulance |
| Plan Sample Premium | 5500 | 1995 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 98.9 |
| Solvency Ratio | 3.25 | 4.70 |
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