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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
Room Rent Limit Actuals /1% of S.I for Silver plan
ICU Daily Rent Limit Actuals
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage All procedures covered
Automatic Restoration of Sum Insured Once in policy period.
Pre-Existing Disease / Illness coverage After 36 months
Waiting Period for New Policy 30 days
Co-Payment Zone B upto 20% for non-network hospital.
Medical Screening Age 46 and Above
Free Health Checkup After every 3 years.
Ambulance Expenses Upto Rs.20,000 per policy year
Non-Allopathic Treatments Covered upto 20,000.
New Born Baby Cover Covered within Maternity expenses.
Daily Hospitalization Allowance Rs.500 for Accompanying an Insured Child (up to age 12yrs) for 10 days
Donor Expenses Upto SI
No Claim Bonus Upto 10 % of sum insured, Max 100 %