Bajaj Allianz Silver Health insurance

Bajaj Allianz Silver Health insurance review

• Bajaj Allianz Silver Health insurance key features

  • Pre-existing diseases covered from the second year of the policy.
  • 3% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses.
  • Cashless facility : With Silver Health plan, the member has access to cashless facility at various network of over 2400 plus hospitals across India (subject to exclusions and conditions)
  • If admission in non-network hospitals the expenses incurred would be reimbursed within 14 days from the submission of all documents.
  • 20% of co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital.
  • Waiver of co-payment is available on payment of additional premium.

• Bajaj Allianz Silver Health insurance benefits

  • Cumulative bonus of 5 % added to your sum assured for every claim free year.
  • Health Check up at the end of continuous four claim free years.
  • Family discount of 5 % is applicable.
  • Income tax benefit on the premium paid as per section 80-D of the Income Tax Act as per existing IT law.

• Bajaj Allianz Silver Health insurance coverage

  • Policy can be taken form 46-70yrs *
  • Renewal up to 75 yrs*
  • Sum insured can be opted form Rs.50,000 - 5 Lakhs.
  * Conditions apply.

• Bajaj Allianz Silver Health insurance exclusions

  • Any Pre-existing condition, ailment or injury, will not be covered until 24 months of continuous coverage have elapsed,after the date of inception of the first Health Care Supreme policy.
  • Any Medical Expenses incurred during the first two consecutive annual periods during which You have the benefit of a Health Care Supreme Policy with Us in connection with below ailments:
    • Joint replacement surgery
    • Surgery for prolapsed inter vertebral disc (unless necessitated due to an accident)
    • Surgery to correct deviated nasal septum
    • Hypertrophied turbinate
    • Congenital internal diseases or anomalies
    • Laser treatment for correction of eye sight due to refractive error
  • Exclusions applicable for Out Patient Expenses Section:
    • Any disease contracted and /or medical expenses incurred in respect of any disease /illness by the insured during the first 30 days from the commencement of the policy, except for accidental injuries.This exclusion will not be applicable for Health Care Supreme Renewal policies
    • Any expenses for investigations/ treatment taken without existence of any disease/ illness, signs /symptoms
    • Any expenses in excess of the maximum payable amount under the Outpatient medical expenses limit
    • Any expense for Treatments which is not specified under out patient expenses.
  • Exclusions applicable for Ayurvedic & Homeopathic Treatment Cover section:
    • Any expenses incurred for treatment taken for other Ayurvedic & Homeopathic therapy which is not defined & covered under the policy
    • Treatment exceeding the limit as specified under the Plan opted
  • Common Exclusions applicable to all the covers under Medical Expenses Section:
    • Circumcision unless required for the treatment of Illness or Accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.
    • Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
    • Treatment for any mental illness or psychiatric illness, Parkinson's Disease. This exclusion is not applicable for Out Patient Expenses.