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Bajaj Allianz Silver Health Insurance

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Bajaj Allianz Health Insurance
Silver Health
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Silver Health Insurance

Bajaj Allianz Silver Health Policy is a special medical insurance policy dedicated to meet the health insurance coverage requirements of senior citizens. It offers you cashless benefits or reimbursement for hospitalisation expenses due to illness or an accident. Available with sum insured options of Rs. 50,000, Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, and Rs. 5 Lakh, the policy covers you and your spouse for expensive medical treatments. It is an annual policy that needs to be renewed after that in order to continue availing of coverage benefits under it. You can avail of coverage benefits under this policy if you are aged between 46 years and 70 years. A thing to note is that this policy comes with a co-payment of 20% that is admissible to be paid in case the treatment is availed at a non-network hospital. However, you can purchase a waiver of co-payment by paying an additional premium at the time of policy purchase.

The policy covers you for several healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, daycare procedures, pre-existing illnesses, etc. But to be covered under this policy avail coverage benefits, you must undergo a pre-medical test, which is mandatory for all the proposals. Apart from these coverage benefits, the policy offers you several other advantages as well. Some of these include 30 days grace period, free look period, tax benefits on the premium paid (under Section 80D of the Income Tax Act, 1961), cumulative bonus, family discount if two or more members are covered, option to increase the sum insured at the time of policy renewal, etc. All these factors make the policy a preferred choice for all senior citizens.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses related to 130 daycare procedures
  • Pre-hospitalisation and post-hospitalisation expenses for 3% of admissible hospitalisation expenses
  • Ambulance expenses for up to Rs. 1,000 per claim
  • Cover for pre-existing illnesses from the second year of the policy term
  • Health check-up in designated centres

What's Not Included

  • Claims arising during the initial 30 days waiting period
  • Expenses incurred on the treatment required due to participation in adventure sports
  • Expenses arising due to cosmetic or plastic surgery
  • Expenses incurred due to the insured committing a breach of law with criminal intent
  • Dental treatments including cosmetic surgery

5639 Bajaj Allianz Cashless Network Hospitals in India

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Silver Health User Reviews

4.7
Rating based on
298 User reviews
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What users are saying
  • All
  • Easy steps for the purchase of...

    I recently purchased the Bajaj Allianz- Silver Health at InsuranceDekho and want to appreciate the buying process at the portal. It was very smooth and just took 5 minutes to buy this policy. I am happy to have bought this policy as I get the much-needed coverage under it. 

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    J
    By Jaideep Goel
    On: Aug 11, 2023
  • Remarkable support team

    I would be grateful to the support team of Insurancedekho for their remarkable support in helping my father to buy a health insurance plan for himself. I contacted the team and told them about his personal requirements. They helped him to generate quotes and purchase Bajaj Allianz’s Silver Health plan.

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    A
    By Abhishek Rastogi
    On: Feb 19, 2021
  • Say bye to paperwork

    I bought Bajaj Allianz Silver Health Plan for my parents from the platform of InsuranceDekho. I bought the policy digitally without any formal paperwork and sent the papers to my parents via email. It was completely hassle-free.

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    T
    By Toshani Ganguly
    On: Jan 08, 2021
  • Trustworthy platform

    I used InsuranceDekho to purchase the Silver Health policy of Bajaj Allianz. I got a genuine overview of all the policies. Apart from that, there were no hidden charges to buy the policy. I have never come across such a genuine platform.

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    A
    By Animesh Mahapatra
    On: Nov 11, 2020
  • Renew policy easily

    I bought Bajaj Allianz Silver Health insurance policy for my parents and it was nearing the renewal period. I used the InsuranceDekho website and followed the steps mentioned to renew the plan. I was happy that I could do it without any hassle. 

    Read More

    S
    By Santanu Roy
    On: Nov 03, 2020
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Bajaj Allianz Silver Health Expert Review

  • Expert Review

    Old age is a truth which no one can evade from. We all need to plan for those days in advance to lead a healthy and happier life. The biggest concern of senior citizens is their health issues, which may lead to some financial crunches due to frequent and costly treatment. Bajaj Allianz Silver Health Plan brings a perfect plan for parents and senior citizens to cope up with hefty medical bills. The plan allows senior citizens to get treated at the best possible hospitals across the country.

    The policy provides coverage to people between the age group of 46 years and 70 years. They are offered with the sum insured option from Rs. 50,000 to Rs. 5 Lakh. The Bajaj Allianz Silver Health Plan is an annual term plan which is available on an individual basis, but his/her spouse can be added in it too. One can opt it for his or her parents as well as for grandparents to ensure they receive proper health care in their old age.

  • Major Attractions

    The Bajaj Allianz Silver Health Plan is comprised of several attractive benefits which anyone would be looking for in a perfect plan. The plan has so much to offer that empower senior citizens in their old age and make them live independently. The general features of the policy include coverage for pre and post-hospitalisation expenses, pre-existing disease coverage, in-patient hospitalisation treatment, and so on. Besides, the plan holds some significant components as well, which particularly attracts the customers. Some of them are:

    •  Coverage for 130 daycare procedures
    • Availability of easy portability options
    • Free look period of 15 days is available
    • Expenses of ambulance up to Rs. 1000 per claim
    • Free health check-ups are offered post 4 years of policy
    • 100% of the standard medical tests charges could be reimbursed
    • Enhancement of the sum insured is possible at the time of renewal
    • Quick settlement of claims with the in-house claim settlement process

  • What’s More?

    Health coverage gives the value for money, but additional benefits offer bliss. The Silver Health Plan is equipped with some more beneficial offerings:

    • The lifelong renewability option is available
    • Tax benefits can be gained as per sec 80D of Income Tax Act
    • 10% of the sum insured is offered as a cumulative bonus for every claim free year up to 50% of sum insured
    • The benefit of 5% is given as family discount on the coverage of 2 or more individuals
    • A waiver is given on the co-payment clause on the payment of 15% loading on premium

  • Conclusion

    These many features and benefits conclude that Bajaj Allianz Silver Health Plan is a perfect choice for senior citizens. The policy owns comprehensive coverage for older people. Get it for your parents today.

    It is not feasible every time for senior citizens to buy policy offline as it involves too much paperwork, travel and time consumption. Therefore, it is advised to opt for the plan from a trusted insurance website i.e., insurancedekho.com. It helps them get all the information about the plan easily, help in claim settlement procedure and purchase process as well.

Bajaj Allianz Silver Health Brochure

  • 224.22 KB
  • PDF Document
  • Jun 12, 2019
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Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Silver Health Health Insurance Plan

  • What is the policy period?

    This is a yearly policy.

  • What are the waiting periods under this policy?

     Silver Health Policy comes with the following waiting periods: 

    • Waiting period for pre-existing diseases: 12 months
    • Initial waiting period: 30 days
    • Waiting period for specified diseases or procedures 

  • Who all can be covered under this policy?

    The policy can be purchased on an individual sum insured basis where self and spouse can be covered. 

  • Can I purchase this policy online?

    Yes. You can purchase this policy from the official website of Bajaj Allianz or from the health insurance broker InsuranceDekho by calling them on the toll-free number 1800 1205 698. 

  • What is the entry age under this policy?

    The minimum and maximum entry age under this policy are 46 years and 70 years respectively. 

  • Can I increase my sum insured under this policy during the policy term?

     Yes. You can enhance the sum insured amount under this policy at the time of policy renewal. 

  • What benefits are provided to the policyholders under this policy?

    Cumulative bonus, free look period and tax benefit are some of the advantages that the policyholders get under this policy.

  • How much cumulative bonus is offered under this policy?

    Silver Health Policy offers you a cumulative bonus of 10% of the sum insured for every claim-free year for up to 50% of the sum insured.  

  • Am I required to undergo a pre-policy medical check-up before buying this policy?

     Yes. You will be required to undergo a pre-policy medical check-up before buying this policy as it is mandatory for all. 

  • Is there any limit on pre-hospitalisation or post-hospitalisation expenses covered under this policy?

    Yes. this policy covers pre-hospitalisation or post-hospitalisation expenses for up to 3% of the admissible hospitalisation expenses.

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