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ICICI Lombard Complete Health Insurance (Health Elite) vs Bajaj Allianz Health Guard (Gold)
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ICICI Lombard Complete Health Insurance (Health Elite) with similar Health Insurances
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Aditya Birla Activ Health Platinum (Enhanced) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_2_1ac9b438f2.png)
Aditya Birla Activ Health Platinum (Enhanced)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Aditya Birla Activ Health Platinum (Premier) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_2_1ac9b438f2.png)
Aditya Birla Activ Health Platinum (Premier)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Manipal Cigna ProHealth Prime (Protect) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_11_69468e566c.png)
Manipal Cigna ProHealth Prime (Protect)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Bajaj Allianz Health Guard (Platinum) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_15_d2c094a372.png)
Bajaj Allianz Health Guard (Platinum)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Manipal Cigna ProHealth Prime (Advantage) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_11_69468e566c.png)
Manipal Cigna ProHealth Prime (Advantage)
Bajaj Allianz Health Guard (Gold) with similar Health Insurances
Compare ICICI Lombard Complete Health Insurance (Health Elite) and Bajaj Allianz Health Guard (Gold)
Claims Track Record:
Bajaj Allianz Health Guard (Gold)
Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. It has a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Moreover, it has received fewer complaints related to claims as compared to other insurers.
Service Experience:
Bajaj Allianz Health Guard (Gold)
Bajaj Allianz General Insurance Company Limited offers customer service via a toll-free number and Twitter. They both have average response rates. If you have questions or issues, you can get in touch with the company through either of these channels.
Product Benefits:
Bajaj Allianz Health Guard (Gold)
The Bajaj Allianz Health Guard (Gold) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge, both up to the sum insured. The plan covers 399 daycare treatments and all modern treatments up to the sum insured. The cost of harvesting the organ from the donor is also covered up to the sum insured. In the Bajaj Allianz Health Guard (Gold) plan, you can choose any room type - there's no restriction on room rent. Furthermore, there's no limit on ICU rent and no deductible. However, the plan comes with an optional copayment of 10% or 20%. Cataract surgery is covered up to 20% of the sum insured per eye per policy year (up to a maximum of Rs 1 lakh) and joint replacement surgery is covered up to the sum insured. There's a 36-month waiting period for pre-existing conditions and a 24-month waiting period for specific diseases, out of which some conditions come with a 36-month waiting period.