![Bajaj Allianz](/static/44aaf6a619083cea72423c6f3efb8829/d95fb/bajajallianz.png)
Bajaj Allianz
Health Guard Platinum
Health-Guard Platinum is definitely pricey. But it offers a whole host of benefits. It covers most bases. It doesn't include outrageous conditions. And it includes coverage for maternity (after 6 years of buying the policy, of course). So you definitely get a lot at this price, but maybe consider health guard gold before you lock this one?
What's good here?
![special mention](/static/9e41b8de9cee5722049c99ae59bc027c/0aca1/special_great.png)
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 50% each year, so long as you make no claims during this period. But you get this exorbitant benefit only for 2 years. After your cover doubles in value, it will grow at 10% each year. And they’ll keep growing until your bonus cover tallies up to 150% of the sum insured. So if you start with a cover of ₹100. Then it’ll keep growing till it reaches ₹250.
Your sum insured increases by 50% each year, so long as you make no claims during this period. But you get this exorbitant benefit only for 2 years. After your cover doubles in value, it will grow at 10% each year. And they’ll keep growing until your bonus cover tallies up to 150% of the sum insured. So if you start with a cover of ₹100. Then it’ll keep growing till it reaches ₹250.
![coPay](/static/aeda66c86d59dde2f685fc4e49f887c9/da848/CoPay.png)
You most likely don't have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. And if you’ve opted to co-pay a part of the bill, have you thought through it completely?
![diseaseSublimit](/static/93da39f0f25a303549a8c756a92f36f8/da848/SubLimit.png)
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
![restoration](/static/001aa3bf7cb13071984d5a8909bf0c3a/da848/Restoration.png)
Some Restoration Benefit
Once you exhaust your entire cover, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
![roomRent](/static/46397637a71f36b088231f5ecadae6d8/da848/RoomRent.png)
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
![prePost](/static/49df58ecab7e5338207151e77985ec6a/da848/PrePost.png)
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
![dayCare](/static/8308b6911e7d0d6ddd60895c66d3b0e6/da848/DayCare.png)
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
What's bad here?
![domiciliary](/static/0e0b24ceee6fda1fda96274d8212937c/da848/HomeCare.png)
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
What's okay here?
![ped](/static/aa7ae49eb240b53028159d03deabc097/da848/PedWaiting.png)
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
![healthCheckup](/static/bfca3e3a6c2264388751629934498bd3/da848/HealthCheckup.png)
Free Health Checkups every 2 years
If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the insurer will cover the costs.
![maternity](/static/9e5c3f6bbc5a41d33bb99ed3eda125e0/da848/Maternity.png)
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹25,000 and make you wait 6 years before covering this expense.
![ayush](/static/ddccf665fc0330cffe71982d5e37241e/da848/Ayush.png)
Some Cover for Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to ₹20,000 of the cover in case you’re availing these treatments.
Frequently Asked Questions
![talk to us](/static/dcd214e067bff270eb98167f34b216c3/cf070/human_touch_rating.png)
Talk to IRDAI-certified experts
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