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Health Guard Individual


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.


Room Rent Limit
Actuals /1% of S.I for Silver plan
ICU Daily Rent Limit
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
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 %
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