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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 DETAILS |
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Silver Health Plan |
Star Group Health Insurance |
| Product Type | Senior Citizen Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Covered |
| Plan Entry Age | 46 to 80 Years | Any age can enter this policy |
| Plan Premium Entry Age and S/A | 18709 | NA |
| Plan Waiting Period | 30 Days | Coverage from day 1 |
| Plan Coverage | In-patient hospitalisation, Pre and post-hospitalisation, Daycare procedures, Domiciliary treatment, AYUSH treatment coverage | Group Health |
| Plan Sample Premium | 18709 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 99.06 |
| Solvency Ratio | 3.25 | 2.21 |
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