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New Revised Health Guard Plan From M/s. Bajaj Allianz General Insurance Co Ltd.

BAJAJ ALLIANZ GENERAL INSURANCE REVISES THEIR HEALTH POLICY A s stated earlier in my earlier post there are changes happening in the health insurance sector…. Keeping in tune with the same Bajaj Allianz has revised their Health insurance plan known as Health Guard. Kya Naya Hai you may ask ???? Major details given below are of the Gold Plan. Sum insured Options upto Rs. 50,00,000 Lakhs. Two Plans Silver & Gold Zone wise premiums A zone & B zone. Mumbai falls in A Zone. Silver Plan with sum insured below Rs. 150000  & Rs.200000 with sub limits,restrictions refer policy document. Gold Plan with Sum Insured from Rs.300000 to Rs. 50,00,000 Sum Insured  Sum insured Reinstatement Benefit for the same Illness. One of exclusive type in health insurance.(payable once for cancer* & kidney failure*) for details refer policy document. Pre Existing Diseases waiting period Reduced to 36 months instead of 48 months earlier Cataract Cover incr...
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HOSPITAL CASH POLICY

HOSPITAL CASH PLAN In event of hospitalization this plan helps you cover up additional hospitalization expenses like attendant food & accommodation which are not covered under the standard Mediclaim /health plan. Under this plan you are paid Daily Cash Component for each continuous and completed period of 24 hours of hospitalization due to Sickness or Accident. Maximum up to 90/180 days per policy year, depending on the plan taken . The Benefit is DOUBLED in case of I C U admission for each continuous and completed period of 24 hours of hospitalization due to Sickness or Accident. Maximum up to 15 days per policy year. NO MEDICAL TEST NEEDED BENEFITS: - One can take this policy along with or over and above the existing mediclaim/health policy. The CONITION OF SUB LIMIT ON ROOM RENT DOESN’T APPLY. It is paid irrespective of the ROOM RENT PAID. Premium paid under this plan is eligible for 80 D benefit . ILLUSTRATION TYPE OF ADMISSION PER DAY ...
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  Standardization of Health Insurance . Applicable From 1st Oct 20 , all the health insurance / mediclaim policies across the country were to have standardized policy wordings , exclusions & waiting periods. What does it mean for the policy holder & what were the changes being made? Let’s see….. What standardization means? It means to have uniformity in the health insurance policy contract across all providers. All the new conditions will be applicable to new policy holders & for existing policy holders were to come into effect on their immediate renewal. The Changes being bought into …. Key Inclusions Modern Treatment Method covered with certain sub-limits, Some of the indicative modern treatment methods are: 1) i. Uterine Artery Embolization and HIFU 2) ii. Balloon Sinuplasty 3) iii. Deep Brain stimulation 4) iv. Robotic surgeries 5) v. Oral Chemotherapy An indicative list of some listed Conditions which will now be covered in Health Policies- i. Mental Illness...
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