Bajaj Allianz Silver Health Plan for Senior Citizens

Bajaj Allianz Silver Health Plan for Senior Citizens is a health Insurance policy designed specially to suit senior citizens. Health care can get expensive as you age and this policy ensures that all your healthcare costs are covered. The plan offers cover to you and your spouse when you need expensive medical care. It is one of the best health insurance plans available to senior citizens.

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The plan offers cover which includes hospitalisation charges, ambulance charges and pre and post hospitalisation charges. The policy also offers cover for pre-existing illness from second year of the policy. Bajaj Allianz Silver Health Plan also offers cashless and reimbursement benefits.

Features and benefits of Bajaj Allianz Silver Health Plan:

Listed below are the features and benefits of this senior citizen health policy:

Eligibility age	From age 46 to age 70 years
Basis	Individual basis
Policy term	1 year
Renewability	There is a lifetime indemnity limit if the policy is renewed continuously
Sum Insured	Minimum sum insured- Rs.50,000 Maximum sum insured- Rs.5 lakh
Cover offered	The policy covers hospitalisation charges The policy offers a cover amount equivalent to 3% of admissible hospitalisation charges Pre and post hospitalisation expenses Covers ambulance charges in the time of emergency subject to a limit of Rs.1,000 Covers pre exisiting illnesses and diseases from second year of the policy Offers cover for over 130 day care procedures Cataract surgery is covered after a waiting period of one year Covers health insurance after 4 continuous claim free years
Discount	A family discount of 5% is applicable on the policy
Co-payments	The policyholder is expected to bear 20% of admissible claim in case of medical treatment at a non-empanelled hospital. Waiver of co-payment can be availed in case of payment of extra premium.
Benefits	The policy offers a family discount of 5% Benefit of cashless facility at empanelled hospitals in the country The members can opt for treatment at non empanelled hospitals and the payment borne by the policyholder will be reimbursed within 14 days. Waiver of co-payment if the policyholder pays more premium Tax benefits on the premium paid under section 80D of the income Tax Act Offers the benefit of cumulative bonus of 5% to your limit of indemnity for every claim free year
Exclusions	Listed below are the exclusions that are not covered by the health insurance plan. Diseases and injuries that exist at the time of proposing the insurance scheme Diseases that are contracted within the first 30 days of commencement of the policy Certain diseases such as Hernia, piles, cataract, benign prostatic hypertrophy, hysterectomy shall be covered only after a waiting period of one year into the policy Non allopathic medicine AIDS and related disorders Cosmetic and Aesthetic related expenses Intoxicating drug expenses Treatment of mental and psychiatric illness Medical expenses arising out of drug or alcohol abuse Ambulance charges over Rs.1000 Joint replacement surgery Massages