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Health Insurance 1311 views February 22, 2021
With the Bajaj Allianz Total Health Secure Goal plan, you can protect your family’s future as well as your finances should a medical emergency arise. It is a unique composite insurance plan from Bajaj Allianz that can work both as life insurance and a health insurance plan as per your needs. When you choose this, you are giving a gift to yourself and your family. With this combo solution, you will enjoy two individual policies — Health Guard and Bajaj Allianz iSecure. Before going any further, we are showing you some of the key features of the Bajaj Allianz Total Health Secure Goal plan below. Do check!
Now you would want to know these features in detail so that you can get an impression of the Bajaj Allianz Total Health Secure Goal plan. On this page, we will discuss the same along with its benefits, premium amount, the sum assured, etc. Keep reading to know more!
Table of Contents
As we mentioned earlier, you can enjoy coverage for both life and health insurance needs with the Health Guard and iSecure plan. One of the best features of the Health Guard plan is that you can choose between Silver Plan and Gold Plan. The benefits of these two individual policies are shown below. Have a look!
Silver Plan Option | Gold Plan Option |
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With the Bajaj Allianz Total Health Secure Goal, you will also enjoy the benefits of the Bajaj Allianz iSecure plan, which is a term life assurance plan that will help fulfill your family’s financial needs in case you are not around. You have the flexibility to choose either a single or joint life cover according to your needs. You can know the death benefits that the nominee will receive under single and joint life.
When we talk about a single (individual) life option, the company will provide the sum assured to the nominee in case the policyholder dies during the policy term. While with the joint life option, the company will pay the sum assured in case one of the policyholders dies during the policy term. After this, the policy will automatically continue with a reduced premium amount that will depend on the age, lifestyle category, policy term, premium payment term, etc.
One of the best features of the Bajaj Allianz Total Health Secure Goal is that individuals can also choose to receive the death benefit under the iSecure plan in annual installments over a 5 or 10-year period.
Sum assured is one of the important aspects that you should check before choosing the policy. In the case of Bajaj Allianz Total Health Secure Goal, the sum assured will be different for both the health guard and iSecure plan. To know more, you can check the below table.
Sum Assured | Health Guard | Bajaj Allianz iSecure Plan |
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Minimum | For Silver Plan: INR 1.5 lakh For Gold Plan: INR 3 lakh | INR 25,00,000 for general category INR 20,00,000 for others |
Maximum | For Silver Plan: INR 2 lakh For Gold Plan: INR 50 lakh | No limit |
In the case of the Total Health Secure Goal plan, the policy term will be different for both options as it is a combo policy. In the case of the Health Guard plan, an individual can choose a policy term from 1 year, 2 years or 3 years. However, for the Bajaj Allianz iSecure, the policy term can be 10, 15, 20, 25 or 30 years from which individuals can choose according to their needs.
You can check the below table for the premium amount for Bajaj Allianz Total Health Secure Goal!
Bajaj Allianz Total Health Secure Goal | Minimum Premium Amount |
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Health Guard | INR 2,379 per year for the sum assured of INR 1,50,000 for an individual of 3 months to 20 years |
Bajaj Allianz iSecure Plan | INR 1,000 per year for a sum assured of less than INR 20 lakh INR 3,000 per year for a sum assured of INR 20 lakh or above |
Before choosing the Bajaj Allianz Total Health Secure Goal, you should understand some important eligibility conditions related to the same. We are showing them below. Please check!
Parameters | Health Guard | Bajaj Allianz iSecure Plan |
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Minimum entry age | 18 years | 18 years |
Maximum entry age | 65 years | 60 years |
Minimum maturity age | Renewable for lifetime | 28 years |
Maximum maturity age | Renewable for lifetime | 70 years |