Bajaj Allianz Total Health Secure Goal

Health Insurance 891 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!

A single comprehensive plan covering both life and health insurance needs
High sum assured and healthy lifestyle discount under Life Insurance
Cover for hospitalization expenses resulting from an accident or illness with health insurance
Sum insured reinstatement, organ donor expense, maternity coverage, etc.
Multiple sum insured options
A grace period of 30 days
Yearly premium payment frequency

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

1 Let’s Check Bajaj Allianz Total Health Secure Goal Plan in Detail
2 Benefits of Health Guard Plan
3 Benefits of Bajaj Allianz iSecure Plan
4 What will be the Sum Assured for Bajaj Allianz Total Health Secure Goal?
5 What will be the Policy Term for Bajaj Allianz Total Health Secure Goal?
6 What is the Premium Amount?
7 Bajaj Allianz Total Health Secure Goal Eligibility Criteria
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Let’s Check Bajaj Allianz Total Health Secure Goal Plan in Detail

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!

Benefits of Health Guard Plan

Silver Plan Option	Gold Plan Option
Sum insured option of INR 1.5 lakh or INR 2 lakh In-patient hospitalization treatment Pre-and post-hospitalization expenses Road ambulance coverage up to INR 20,000 per policy period Daycare procedures coverage Organ donor expenses Daily cash benefit of INR 500 per day for a maximum of 10 days Room rent coverage up to 1% of the sum insured Up to 100% of the sum insured reinstatement benefit Preventive health check-up up to INR 2,000 for each member under floater policies Cataract coverage per eye up to 20% of the sum insured Tax benefits under Section 80D of the Income Tax Act, 1961	Sum insured ranging from INR 3 lakh to INR 50 lakh In-patient hospitalization treatment Pre-and post-hospitalization expenses Road ambulance coverage up to INR 20,000 per policy period Daily cash benefit of INR 500 per day for a maximum of 10 days Preventive health check-up up to INR 2,000 for each member under floater policies Ayurvedic or Homeopathy hospitalization coverage up to INR 20,000 per policy year Maternity expenses cover up to INR 35,000 Newborn baby cover Bariatric Surgery cover up to 50% of the sum insured with a maximum of INR 5 lakh Cataract coverage per eye up to INR 1 lakh Tax benefits under Section 80D of the Income Tax Act, 1961

Silver Plan Option

Gold Plan Option

Sum insured option of INR 1.5 lakh or INR 2 lakh

In-patient hospitalization treatment

Pre-and post-hospitalization expenses

Road ambulance coverage up to INR 20,000 per policy period

Daycare procedures coverage

Organ donor expenses

Daily cash benefit of INR 500 per day for a maximum of 10 days

Room rent coverage up to 1% of the sum insured

Up to 100% of the sum insured reinstatement benefit

Preventive health check-up up to INR 2,000 for each member under floater policies
Cataract coverage per eye up to 20% of the sum insured

Tax benefits under Section 80D of the Income Tax Act, 1961

Sum insured ranging from INR 3 lakh to INR 50 lakh

In-patient hospitalization treatment

Pre-and post-hospitalization expenses

Road ambulance coverage up to INR 20,000 per policy period

Daily cash benefit of INR 500 per day for a maximum of 10 days

Preventive health check-up up to INR 2,000 for each member under floater policies

Ayurvedic or Homeopathy hospitalization coverage up to INR 20,000 per policy year

Maternity expenses cover up to INR 35,000

Newborn baby cover

Bariatric Surgery cover up to 50% of the sum insured with a maximum of INR 5 lakh

Cataract coverage per eye up to INR 1 lakh

Tax benefits under Section 80D of the Income Tax Act, 1961

Benefits of Bajaj Allianz iSecure Plan

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.

What will be the Sum Assured for Bajaj Allianz Total Health Secure Goal?

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
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

What will be the Policy Term for Bajaj Allianz Total Health Secure Goal?

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.

What is the Premium Amount?

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
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