Bajaj Allianz Silver Health Plan
  • Cover 15 Critical illnesses
  • Preventive Health check-up
  • Long Term Policy
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Bajaj Allianz Silver Health Plan

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

Bajaj Allianz Silver Health is a health insurance plan for senior citizens that will provide a safety net to people post-retirement and can facilitate their medical treatments. We all know, health care can get expensive as you age and this policy ensures that all your healthcare costs are covered. Bajaj Allianz offers coverage to you and your spouse when you need expensive medical care. It is a versatile health plan available to senior citizens. Bajaj Allianz Silver Health offers coverage that includes pre and post-hospitalization charges, ambulance charges and offers health check-ups. The policy also offers coverage for pre-existing illnesses from the second year of the policy commencement. Bajaj Allianz Silver Health Plan also offers cashless and reimbursement benefits.

Bajaj Allianz Silver Health Plan Specifications

Entry Age

Minimum: 46 Years

Entry Age Max.

Maximum: 80 Years

Policy Term

1/2/3 years

Plan Type

Individual/ Family Floater/ Group

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L

Initial Waiting Period*

30 Days*

*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.

Read more specifications in the brochure.

Choose your Bajaj Allianz Silver Health Plan

With comprehensive coverage options, Bajaj Allianz Silver Health Plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 1 L - 10 L

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered up to 10% of SI

No Claim Bonus

Available, Up to 100% of SI

Automatic Restoration

Not Applicable

Daily Hospital Cash

Not Available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered Up to SI

Emergency Coverage

Ambulance

Covered Up to INR 1K

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Covered

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable, 20% co-pay on all claims

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Bajaj Allianz Silver Health Plan

Under Bajaj Allianz Silver Health Plan, the room rent is covered, Actual Up to Single Private Air Conditioned room.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Bajaj Allianz Silver Health Plan

Under Bajaj Allianz Silver Health Plan, the ICU charges are covered up to the Actual value.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Bajaj Allianz Silver Health Plan

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Bajaj Allianz Silver Health Plan

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Bajaj Allianz Silver Health Plan

Under Bajaj Allianz Silver Health Plan, domiciliary hospitalization is covered up to 10% of Sum Insured for Plan B and is not available under Plan A.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Bajaj Allianz Silver Health Plan

This plan covers the expenses of daycare procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Bajaj Allianz Silver Health Plan

Not covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Bajaj Allianz Silver Health Plan

COVID-19 treatment coverage is unavailable under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Bajaj Allianz Silver Health Plan

The plan covers cataract 10% of the Sum Insured, Max up to 40,000 per claim (whichever is lower).

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Bajaj Allianz Silver Health Plan

The cumulative Bonus will be increased by 10% in respect of each claim-free policy year to a maximum of 100% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Bajaj Allianz Silver Health Plan

Not Available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Bajaj Allianz Silver Health Plan

The daily hospital cash is not available.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Bajaj Allianz Silver Health Plan

Under the plan, Organ Donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Bajaj Allianz Silver Health Plan

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Bajaj Allianz Silver Health Plan

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Bajaj Allianz Silver Health Plan

Not Covered

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Bajaj Allianz Silver Health Plan

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Bajaj Allianz Silver Health Plan

Under this plan, Modern Treatment is covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Bajaj Allianz Silver Health Plan

Under this plan, ambulance expense is covered Up to INR 1K per claim.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Bajaj Allianz Silver Health Plan

Not Covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Bajaj Allianz Silver Health Plan

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Bajaj Allianz Silver Health Plan

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Bajaj Allianz Silver Health Plan

The plan does not cover the expenses for e-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Bajaj Allianz Silver Health Plan

Under this plan health check-up is covered

For Plan A, after every 4 Claim Free Year

For Plan B, after every 2 Years, Limit up to 1% or max 5000 Whichever is lower.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Bajaj Allianz Silver Health Plan

Not Covered

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Bajaj Allianz Silver Health Plan

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Bajaj Allianz Health Care SupremePlan?

Applicable,

For Plan B, 10% co-payment (Each and every admissible claim)

For Plan A, Co-payment on a Non-network hospital is applicable for 20% of each and every admissible claim if Treatment is availed in a Non-Network Hospital. This co-payment can be waived subject to payment of an extra premium.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Bajaj Allianz Health Care SupremePlan?

Applicable,

Road Ambulance limit up to INR 1000 per claim / Cataract treatment - 10% of Sum Insured / Sub-limit on PED - 50% of Sum Insured from second year onwards for Plan A

Bajaj Allianz Health Insurance Network Hospital List

Bajaj Allianz Network Hospitals have a vast presence PAN India. A well connected network of over 7,600+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.

Bajaj Allianz Silver Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Bajaj Allianz Personal Accident Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 12 Months

Pre-existing diseases after 12 Months

Bajaj Allianz Silver Health Plan Benefits

Tax Benefits

Get tax relief under section 80D

Discounts

Avail family discounts

Portability

Switch without compromising on any benefits

Health Check-up

Avail preventive health check-up

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

5% family discount shall be offered if 2 or more eligible Family Members are covered under a single policy.

A discount of 5% will be offered on this product for policies underwritten through direct/online channels.

A discount of up to 8% is offered if a policyholder opts for 3 years of policy term.

Portability

You can easily switch to Bajaj Allianz Silver Health Plan without losing any benefits even if you are currently insured with another insurance provider.

Health Check-up

Bajaj Allianz Silver Health Plan offers the policyholders a complimentary health check-up every 4 claim-free years.

Explore Bajaj Allianz Health Insurance

Know more about Bajaj Allianz Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

Feel free to contact us Bajaj Allianz Health Insurance

Premium Calculator

Click to know calculate Bajaj Allianz Health Insurance Premium.

Renewal Process

Click here to Renew Bajaj Allianz Health Policy Online.

Bajaj Allianz Health Plans

Bajaj Allianz Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Bajaj Allianz Critical Illness

A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.

Unique Features

  • Avail discounts on policy terms
  • 50 Lakh SI
  • Flexible premium payment

Bajaj Allianz Extra Care

Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family. It is a floater Policy with a single premium for the family.

Unique Features

  • Avail Modern Treatments
  • Avail Ambulance coverage
  • Avail discounts on policy terms

A super top-up health plan that provides additional coverage to the existing health insurance policy. The plan provides wider health protection to you and your family.

Unique Benefits

  • Air Ambulance cover
  • Avail maternity expense
  • Organ donor expenses covered

Bajaj Allianz M care

The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.

Unique Features

  • Avail Lifetime Renewal
  • Coverage against Dengue
  • Avail family coverage

Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability

Unique Features

  • Covers children’s education
  • Avail cumulative bonus
  • Avail additional covers with plan

Bajaj Allianz Sankat Mochan

A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.

Unique Features

  • Offers 16 variants
  • Lifetime renewal available
  • Avail Hospitalization expenses

Bajaj Allianz Premium Personal Guard

Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs

Unique Features

  • Avail cumulative bonus
  • Cover dependent children
  • Cover death and disability

Bajaj Allianz Loan Care

A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.

Unique Features

  • Personal Accident Covered
  • EMI Payment Cover
  • Child education benefit available

Bajaj Allianz Saral Suraksha Bima

Saral Suraksha Bima offers a sum assured up to 1 Cr and offers optional covers for temporary Total Disablement and Hospitalisation Expenses due to Accident.

Unique Features

  • Lifetime renewal available
  • Child education benefit available
  • Cumulative Bonus

Bajaj Allianz Star Package

An all-in-one family floater policy that covers health, household contents, travel baggage and much more.

Unique Features

  • Covers Household content
  • Avail education grant
  • Avail critical illness cover

Bajaj Allianz Global Health Care

This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.

Unique Features

  • USD 1,000,000 cover
  • Mental Illnesses covered
  • Air Ambulance covered

Bajaj Allianz Health Care Supreme

A Comprehensive Plan with a wide range of benefits, ensuring a cover for maximum expenses related to Illness and Accidents offering optional add-on benefits.

Unique Features

  • Avail Maternity Cover
  • Avail Newborn baby cover
  • Physiotherapy expenses covered

A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.

Unique Features

  • Avail Hospitalization expenses
  • Pre-existing illnesses Cover
  • 130 day care procedures

Bajaj Allianz Tax Gain Policy

A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.

Unique Features

  • OPD covereage available
  • 130 Day care procedures
  • Avail free health check up

Bajaj Allianz Health Ensure

A comprehensive plan that takes care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/ injury.

Unique Features

  • Upto 10lakh sum assured
  • Avail cumulative bonus
  • Day care procedures covered

Bajaj Allianz Corona-Kavach Policy

An affordable health insurance policy, Corona Kavach, takes care of your expenses at the time of hospitalization for COVID-19 treatment.

Unique Features

  • Avail homecare treatment
  • AYUSH treatment available
  • Avail hospital daily cash

Bajaj Allianz Hospital Cash Daily Allowance

Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.

Unique Features

  • Avail discounts
  • Flexible premium payment term
  • Avail family cover

Bajaj Allianz Women Specific Critical Illness

This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.

Unique Features

  • Congenital Disability Benefit
  • Children Education Bonus
  • Avail various discounts

Bajaj Allianz Family Health Care Policy

A group policy that takes care of you and your family and protects you from hospitalization expenses in case of any unfortunate incident.

Unique Features

  • Avail Daycare procedures
  • Hospital cash benefits
  • Modern treatment covered

Bajaj Allianz Criti-Care

Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.

Unique Features

  • Avail lifetime renewal
  • Avail coverage against cancer
  • Avail wellness discount

Health Insurance Articles

Bajaj AllianzHealth Plans Review

Read what customers have to say about Bajaj AllianzHealth health insurance.

Customer Review Image

Pawan

Delhi

June 6, 2022

Trust me, friends, Bajja is one of the best insurance companies in India. It offers good health insurance plans and its claim service is superb. I am very impressed by the work done by Bajaj Al...

Customer Review Image

Himanshi Nalwa

Pune

May 26, 2022

My claim was settled in no time... I went to a non-network hospital and Bajaj Allianz reimburse my claim within 2 days

Customer Review Image

Priya Singhania

Guwahati

May 26, 2022

I took the health insurance plan for my family. Bajaj Allianz is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.

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Mehak Dua

Belgaum

September 9, 2021

quick service. in fact the agent was very thorough with processing my documents...renewal was done swiftly

Customer Review Image

Kunal Deshmukh

Meerut

September 9, 2021

The help I receievd at bajal allianz was so good...i mean i went expecting not a lot but the discussion was amazing...also bought a plan for my children

Customer Review Image

Bhargav Dua

Indore

September 9, 2021

Really top class support received...i gave the agent a budget estimation and he provided me good plan options...Happy with my health plan!

Customer Review Image

Rishiraj Bharti

Mysore

September 9, 2021

the buying process was easy...really hoping claims will be as easy too when the time comes...overall happy

Customer Review Image

fardin

Pune

September 7, 2021

Didn t think much about insurance before. However my wife had a health plan from Bajaj which literally saved us from hospital bills. so grateful

View All Bajaj AllianzHealth Plans Reviews