Bajaj Allianz Silver Health Plan
Product Overview
Bajaj Allianz Silver Health Plan is an inpatient hospitalization policy, which provides an access to best medical care and treatment at an affordable rate. A Health Insurance products designed to cover hospitalization expenses, day care procedures, Ambulance cover, etc.
Unique Features of Bajaj Allianz Silver Health Plan
- Pre-Existing Disease will be covered after 1 year (Up to 50% of SI)
- No Limitations on Room Rent and ICU expenses
- Family discount - 5% discount if 2 or more members are insured under a single policy.
- Some Organ Specific are Covered after 1 year like Cataracts, ENT disorder, etc.
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OneInsure App Benefits
Critical features of Bajaj Allianz Silver Health Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
No Sub limits on room rent and ICU - Co-Pay:
Specific % of the admissible claim amount to be borne by the Insured
- 20 % is applicable for treatment in non-network hospital (waived off by paying additional 15 % extra premium).
- Cataract treatments Limit - 10% of the sum insured for a minimum of INR 12,000 and a maximum of INR 25,000.
- No Claim Bonus:
10 % of Basic Sum Insured per year upto a maximum of 50% for each unclaimed year in case opted for (10 % will be reduced on claim). - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical
- This plans has a waiting period of 1 years is case of pre-existing diseases
- This plan covers pre-existing diseases up to 50% of sum insured
Eligibility Criteria
- Minimum Age of Entry:- 46 years
- Maximum age of Entry:- 70 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- 50 Thousands to 5 Lacs
- Policy Tenure:- 1 year
- Family Definition:- Individual Plan - Self, Spouse
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Additional discounts
- Family Discount: 5% discount if 2 or more family members are covered under a single policy.
Exclusions
- War, invasion, acts of foreign enemies, hostilities
- Plastic surgery unless necessary for the treatment of cancer, burns or accidental Bodily Injury/Dental treatment or surgery
- Cost of spectacles, contact lenses, hearing aids, crutches, artificial limbs, dentures, artificial teeth and all other external appliances
- Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy
- Intentional self-injury,treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
- Treatment arising from or traceable to pregnancy and childbirth
- Treatment for any mental illness
Note: Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.
Tax Benefits
When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
