Bajaj Allianz Health Insurance for Senior Citizen

When it comes to old age, the biggest concern that arises in our minds is related to our health. In the old age, you are more likely to be troubled with different diseases that enhance the expenses as well. To prevent such situations, you should opt for a health insurance plan covering senior citizens, like Bajaj Allianz Family Floater Health Guard policy. It will not only let the old people lessen their expenses on healthcare but also let them get the best possible treatment.

Key Features

• Sum insured ranges from Rs.1.5 Lakh to Rs. 50 Lakh
• Lifelong renewability option is available
• Pre-hospitalisation coverage offered for 60 days
• Post-hospitalisation coverage offered for 90 days
• Free preventive health check-ups at every 3 years of the policy
• Reinstatement of sum insured amount is offered
• A discount of up to 20% for co-payment option is available
• A discount of 4% for 2 yrs, while 8% for 3 yrs is given purchasing a long term policy

Scope of Coverage

• Daycare procedures and treatments are covered
• No medical tests up to 45 years, subject to the clean proposal form
• Coverage for ayurvedic and homeopathic treatments
• 10% cumulative bonus benefit for every claim free year up to 100%
• Expenses incurred on convalescence are covered under the plan
• Covers ambulance charges subject to a limit of Rs. 20,000 in a policy year
• Coverage is provided pertaining to organ donor expenses up to the SI
• Bariatric surgery coverage is given to policyholders under the policy

Eligibility

The entry age of the proposer should be between 18 years and 65 years. The health insurance plan is offered with the option of lifetime renewability.

Exclusions

• Coverage of pre-existing illness during the waiting period
• Any disease occurred during the first 30 days of the plan
• Specific illnesses such as piles, cataract, hernia and so on
• Diseases occurred due to addictive or intoxicating substances
• Coverage for Bariatric Surgery during the waiting period

For more and complete product details and information about the exclusions, kindly refer to the brochure or policy wording. Or call our helpline 1800-1205-698.