Bajaj General Silver Health Plan: Benefits & Premiums | PolicyX
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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Silver Health Plan

Golden years of your life are meant to be stress-free, and that is pre ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,707 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

About Silver Health Plan

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

Bajaj General Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen looking for an insurance plan or want to safeguard your parents post-retirement.

Bajaj General Silver Health is a health insurance plan for senior citizens that provides a safety net to people post-retirement and facilitates their medical treatments. Healthcare can get expensive as you age, and this policy ensures that all your healthcare costs are covered.

Bajaj General Silver Health Plan offers coverage to you and your spouse for expensive medical care. It includes pre and post-hospitalisation charges, ambulance charges, and health check-ups.

The policy also covers pre-existing illnesses from the second year of policy commencement. It also offers cashless and reimbursement benefits.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
46 to 80 Years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L
Waiting period
30 Days
Renewability
Lifetime
Policy term
1 | 2 | 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cover 15 critical illnesses
  • Preventive health check-ups
  • Long term policy

Cons

  • Organ donor expenses not covered
  • Vaccination charges not covered
  • Self-inflicted injury not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Bajaj General Silver Health Plan Benefits

  • Tax Benefits

    Premiums paid for this plan are eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • Discounts

    A 5% family discount is offered if two or more eligible family members are covered under a single policy.

    A 5% discount is offered for policies purchased through direct/online channels.

    An 8% discount is offered if a policyholder opts for a 3-year policy term.

  • Portability

    You can easily port to Bajaj General Silver Health Plan without losing accumulated benefits, even if currently insured with another provider.

  • Health Check-up

    Policyholders receive a complimentary health check-up every four claim-free years.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Bajaj General Silver Health Plan are:
  • Hospitalisation due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in-vitro fertilisation
  • Certain diseases and treatments are covered under this plan after a specific period:
  • Listed ailments after 12 months
  • Pre-existing diseases after 12 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 46 to 80 years
  • SI: Up to 10 Lakh
  • Initial Waiting Period: 30 days

Other features & benefits

  • Two plan variants
  • Preventive Health Checkups
  • Modern Treatments Covered

Bajaj General Silver Health Plan: FAQs

The 5 most-asked questions about Silver Health Plan, answered.

Bajaj Silver Health Plan takes care of higher health care costs and reduces the financial burden on you and your family during older age so that you live a stress- free life.
There are two plans available namely, Plan A and Plan B. The sum insured available under both health plan variants ranges between 50k to 10 Lakhs.
The entry age for the Bajaj Allianz Silver Health Plan is 46 to 80 Years.
The policy period for Bajaj Allianz Silver Health Plan is 1/2/3 Years.
Self and Spouse can be covered under the individual option Self, Spouse, 2 Parents/ Parent in-laws can be covered under the floater option.

Conclusion

Silver Health is a senior citizen health plan designed for people aged 46+ with basic hospitalisatio

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Anshika Ojha — Health Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 14 Oct 2024

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