Bajaj Allianz is one of the private general insurance companies operating in India. In the health insurance domain, Bajaj Allianz has different types of plans suitable for the requirements of everyone. Bajaj Allianz Silver Health Plan is a health insurance policy exclusively developed for senior citizens in the country. Being a cover for senior citizens, this policy ensures that senior citizens are protected against various illnesses and rising healthcare costs. This policy is designed in such a way that the common health ailments of senior citizens are covered within the policy limits.
The eligibility criteria for Bajaj Allianz Silver Health Plan can be given as follows.
Some of the key features of Bajaj Allianz Silver Health Plan can be listed as follows.
This policy offers a range of benefits for senior citizens. Some of the key benefits of Bajaj Allianz Silver Health Plan can be given in the table.
|Hospitalisation expenses||Up to the full sum insured limit|
|Pre and post hospitalisation expenses||Up to 3% of admissible hospitalisation expenses|
|Emergency hospitalisation cover||Up to Rs.1,000 per hospitalisation|
|Coverage for pre-existing illness (from the second year onwards)||Limited to 50% of the sum insured|
|Cumulative bonus||10% per claim-free year subject to a maximum of 50% of the sum insured|
|Health checkup||Available after four continuous years of policy coverage|
|Day care treatment||Coverage for up to 130 procedures subject to terms and conditions|
There are certain exclusions for which the company is not liable to provide any compensation. Some of the key exclusions under Bajaj Allianz Silver Health Plan can be listed as follows.
To initiate the claim process, customers must contact the company and intimate about the even of claim. The company can be intimated either through the official website or by calling the customer care’s toll free number.
Cashless treatment: For cashless claims, policyholders must obtain pre-authorisation from the company. The company’s customer care will guide you through the process. Pre-authorisation form can be obtained in the hospital itself. Once authorisation is obtained from the company, policyholders can get treatment till the sum insured limit without paying any money.
Reimbursement claims: Reimbursement claims can also be filed with the company after receiving treatment from a hospital. For reimbursement claims, policyholders must submit all the documents including medical bills and discharge certificates. Once the documents are submitted, the company will initiate the claim process. After the verification of all documents, the claim amount will be provided to the insured.
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