Health Guard

With healthcare costs continually increasing, you need to be prepared for unanticipated accidents or illnesses. Karur Vysya Bank has entered into an arrangement with Bajaj Allianz General Insurance to bring you Health Guard policy takes care of your hospitalization expenses and also offers benefits for a wide range of pre-hospitalization and post-hospitalization expenses.

• The policy holder has cashless facilities at over 2400 hospitals across India.
• The policy holder can opt for other hospitals, besides the empanelled ones, in which the expenses incurred shall be reimbursed within 14 working days from the submission of all documents.
• Pre-hospitalization and post-hospitalization expenses cover relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
• Cumulative bonus of 5% is added to your sum assured for every claim free year.
• A family discount of 10% is applicable.
• Covers ambulance charges in an emergency subject to a limit of Rs. 1000 /-
• No tests required up to 45 years and up to SI 10 lacs.*
• 10% co-payment applicable if treatment is taken in non-network hospitals. A waiver of the co-payment is available on payment of additional premium.
• Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz.

• In-house Health Administration Team for hospitalization claims to lower turnaround time.
• No Sub-limits applicable on room rent and other expenses.
• Hassle-free claim settlement with in-house claim administration.
• Income Tax benefit on the premium paid as per section 80-D of Income Tax Act as per the existing IT law.
• Health check up for a maximum amount of Rs. 1000/- at the end of four continuous claim free years

• Up to Rs. 10 lacs available from 3 months to 55 years*
• Policy can be renewed up to 70 years*
• In built E-opinion cover for SI 5 lacs & above