Useful Information


TPA Information

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


  • 130 Day Care Procedures are covered.
  • No Medical tests up to 45 years
  • Can be renewed till the age of 80 Years
  • No Sub-limits on hospitalization expenses and room rent
  • Free Medical Check-up after 4 claim free years.
  • Option of waiver of Co-payment available
  • Covers Lasik eye surgery after 4 years
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.


Room Rent Limit
No Limit
ICU Daily Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
90 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
130 procedure covered
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
30 days
Up to 10% for non-network hospital, above 56 years 20%
Medical Screening
Age 46 and Above
Free Health Checkup
After every 4 claim free years
Ambulance Expenses
Up to 1000 per hospitalization
No Claim Bonus
Up to 10 % of sum insured, Max 50 %