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Bajaj Allianz Silver Health (Health Cover for Seniors)

Eligibility  
Entry Age (years)  
Minimum 46
Maximum 70
Maximum Policy Renewal Age (years) 75
Coverage Type Senior Citizens
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 50000
Policy Term (years) 1
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Family discount of 5% is applicable
No Claim Bonus 5% on each claim free year
Pre Policy Medical Check Up Required; reimbursement by insurer in case of acceptance of proposal
Co Payment Clause 20% of admissible claim to be borne by policyholder in case of treatment in a non empanelled hospital. Waiver of co payment clause is possible on payment of extra payment.
Policy Termination Both insurance company and Policyholder are allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service  
Address Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to customercare@bajajallianz.co.in
Call to 1800 22 5858(BSNL/ MTNL); 1800 209 5858 (Any mobile/ landline) or 020 30305858
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursementIn case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records with a Co-payment clause of 20%.
In-patient treatmentCovered
Pre-hospitalisation and post hospitalisationCovered; upto 3% of admissible hospitalisation expenses
Day Care Procedures130 day care procedures are covered
Emergency AmbulanceCovered; subject to maximum limit of Rs 1,000
Out-patient TreatmentNot Covered
Cataract SurgeryCovered after a waiting period of 1 year; restricted to 10% of limit of indemnity for each and every claim subject to minimum of Rs 12000 and maximum of Rs 25000
Health Check UpCovered; at the end of 4 continuous claim free years
Maximum Lifetime Liability3 times the limit of indemnity (insurance cover) specified in earliest senior citizen plan on continuous renewal.
E-Opinion (Second opinion) in respect of a Critical IllnessNot Covered
Exclusions and Waiting period
Pre-existing diseaseCovered upto 50% from second policy years and onwards
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as hernia, cataract ,sinusitis shall be covered after a waiting period of 1 year.Joint replacement surgery (unless initiated by an accident) and certain other diseases have a waiting period of 4 years.
General ExclusionsNon allopathic treatmentAIDS and other related diseasesCosmetic, beauty, weight reduction and other likely treatments.Use of alcohol or other addictive substancesWar, participation in any criminal activity or any other related conditionTreatment of any mental or related disease