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    • Bajaj Allianz Silver Health Plan for Senior Citizens

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    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.

    Check Your Eligibility

    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

    Find cashless network hospitals nearby: BAJAJ Allianz Health Insurance Network Hospitals

    Also Read: Check Incurred Claim Ratio of Health Insurers

    Also Read: Best Health Insurance Plans of 2017

    Also Read: How to File a Claim with Bajaj Allianz?

    Other Health Insurance Plans from Bajaj Allianz:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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