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Health Guard Individual
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Health Guard individual option plan is designed to suit all your health care needs as it takes care of the expensive medical treatment incurred during hospitalization


  • All Day Care Procedures are covered.
  • No Medical tests up to 45 years.
  • Life long policy renewal is available.
  • No Sub-limits on hospitalization expenses and room rent.
  • Medical Expenses for Ayurvedic and Homeopathic treatment covered up to Rs. 20000/- per policy year.
  • Daily cash benefit of Rs. 500/- will be payable for Accompanying an Insured Child.
  • Increased Family discount up to 15%.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Bariatric Surgery Cover up to Rs.5 lacs available for Gold Plan after a waiting period of 36 months.
  • Convalescence Benefit for 10 days hospitalisation, up to Rs. 7500 per policy year.
Title Description
Ambulance Expenses Up to INR 20,000/- per policy year
Automatic Restoration of Sum Insured Recharge Benefit: In event of claim amount exceeding the limit of indemnity, Sum Insured would be increased by 20% maximum up to 5 Lacs.
Co-Payment Voluntary co-Pay is available
Daily Hospitalization Allowance Daily Cash Benefit of Rs. 500 per day maximum up to 10 days, in respect of one parent/legal guardian, to stay with any minor Insured (under the Age of 12)
Day Care Procedure Coverage All procedures covered
Donor Expenses Covered
Free Health Checkup Silver Plan:-1% of SI up to Rs.2000 during the block of 3 years |Gold Plan:-1% of SI up to Rs.5000 during the block of 3 years|Platinum Plan:-1% of SI up to Rs.5000 during the block of 2 years
ICU Daily Rent Limit Silver Plan:Up to 1% of Sum Insured per day (Excluding Cumulative Bonus)|Gold Plan and Platinum Plan:If admitted in ICU, the Company will pay up to actual ICU expenses provided by Hospital
Medical Screening Age 46 and Above
Minimum Hospitalization Period 24 Hrs
No Claim Discount Up to 10 % of sum insured, Max 100 %, Super Cumulative Bonus 50% of base Sum Insured per annum for first 2 years and later 10% of base Sum Insured per annum for next 5 years max
Non-Allopathic Treatments Silver:-Not Covered |Gold And Platinum:-Up to INR 20,000/- per policy year
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage After 36 months
Pre-Hospitalization Expenses 60 days
Room Rent Limit Silver Plan:Up to 1% of Sum Insured |Gold Plan and Platinum Plan:Sum Insured 3 lacs to 7.5 lacs- maximum eligible room is Single private Air Conditioned room,Sum Insured 10 Lacs and above - eligible for any room category
Waiting Period for New Policy 30 days