Silver Health
Bajaj Allianz
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Covers single private A/C room for normal hospitalization and ICU expenses up to the sum insured, ensuring comfort and financial relief during hospitalization.
Comprehensive Advanced Treatment Coverage
Covers robotic surgeries, oral chemotherapy, and stem cell therapy, providing financial protection for modern and life-saving medical procedures.
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Policy Wording
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Our Verdict
The Bajaj Allianz Silver Health Plan offers solid coverage for senior citizens, including pre-existing diseases after 12 months and critical treatments. Ideal for elderly individuals, with co-payment and discounts for family coverage.
About the Plan
The Bajaj Allianz Silver Health Plan offers comprehensive coverage for senior citizens (46+ years), covering hospitalization, pre-existing diseases (after 12 months), and critical treatments. It includes pre- and post-hospitalization expenses (3 days before, 60 days after), cashless treatment, ambulance cover, and domiciliary treatment. A 20% co-payment applies, with lifelong renewability and a 5% cumulative bonus for claim-free years. Exclusions include first 30-day illnesses, cosmetic treatments, and self-inflicted injuries, ensuring financial security for elderly individuals.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Single Private A/C Room.
ICU: Up to Sum Insured
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
Mandatory 20% of co-payment is applicable.
Waiting Periods
Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:
Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:
Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Cashless Healthcare Providers
18,400+ Network Hospitals across India.
Day Care Treatments
Covers treatment or surgery that requires less than 24 hours hospitalization.
AYUSH Treatment
Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.
Exclusions
Pre-existing diseases are not covered until after 1 year of continuous coverage.
Specific diseases/procedures excluded for the first 2 years of the policy.
30-day initial waiting period for illnesses, except accidents.
Cosmetic or aesthetic treatments, unless medically necessary due to illness or injury.
Treatment for HIV/AIDS, venereal diseases, and sexually transmitted diseases.
Hospitalization due to war, riot, strike, or nuclear weapons.
Self-inflicted injuries or attempted suicide.
Expenses related to pregnancy, childbirth, or related complications.
Participation in hazardous or adventure sports.
Non-allopathic treatments, unless specified otherwise in the policy.
Exclusions
Sum Insured Enhancement - Increase coverage at renewal, subject to underwriting approval.
Family Member Discount - 5% discount when covering two or more family members under a single policy.
Add-ons
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About the Company
Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, a leading global insurer, and Bajaj Finserv Limited. Established in 2001, the company received its registration from the Insurance Regulatory and Development Authority of India (IRDAI) on May 2, 2001, to conduct general insurance business in India.
Headquartered in Pune, Maharashtra, Bajaj Allianz offers a comprehensive range of insurance products, including motor, health, travel, home, cyber, and commercial insurance, catering to individuals, businesses, and communities. Over the years, the company has expanded its presence across approximately 950 towns in India, making it one of the largest private insurers in the country.
Bajaj Allianz has received several accolades, including being adjudged as the "Best General Insurance Company in the Private Sector" by ABP News - Banking, Financial Services Awards in 2014.The company's vision emphasizes being the first choice insurer for customers by delivering innovative solutions and seamless experiences
About the Company
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