Insurance Company
Bajaj Allianz General Insurance
Policy Name
Health Guard Platinum
Expert Overview -
Bajaj Allianz General Insurance was established in 2001 and has over two decades of experience in general insurance. Its health insurance segment benefits from long-term operational expertise and strong brand backing.
Plan Strategy -
Premium individual and family health insurance with enhanced benefits and highest sum insured options suitable for affluent families
Network Hospitals
12,000+
>8,500 recommended
Claim Ratio
96.98%
>95% recommended
Complaints
3.153
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% no claim bonus annually upto 150%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year for unrelated disease
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
90 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
