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Trusted Insurer
Bajaj Allianz

Health Guard

Trusted coverage for individuals and families

4.0/5 Rating
Starting From
₹6,500
per year
₹2L–50L
Sum Insured
8,500+
Network Hospitals
18–65yrs
Entry Age
2 yrs
Waiting Period

About This Plan

Bajaj Allianz Health Guard is one of India's most trusted health insurance plans, offered by Bajaj Allianz General Insurance — a partnership between Bajaj Auto and German insurer Allianz. It provides solid basic coverage with a good claim settlement ratio.

Key Highlights

8,500+ network hospitals
94.2% claim settlement
Restore benefit
AYUSH treatment
Day care procedures
Annual health checkup

Coverage Details

Room RentSingle standard AC room
ICU ChargesActual
Pre-Hospitalization60 days
Post-Hospitalization90 days
Day Care ProceduresCovered
Maternity BenefitNot Covered
Newborn CoverNot Covered
Organ TransplantNot Covered
AYUSH TreatmentCovered
Mental IllnessNot Covered
Domiciliary HospitalizationNot Covered
Restore BenefitYes
Annual Health CheckupYes
Ambulance CoverUp to ₹1,500
No Claim BonusUp to 100% NCB
Co-PaymentNone
Pre-Existing Disease Wait4 years
Specific Disease Wait2 years

Pros

  • Trusted Bajaj-Allianz brand
  • Good claim settlement
  • Restore benefit
  • Affordable premium

Cons

  • Room rent capped
  • No maternity
  • No domiciliary
  • Smaller hospital network vs competitors

Who Should Buy This Plan?

Ideal for: Individuals wanting reliable coverage from a trusted insurer