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Bajaj Allianz Sliver Health Plan

What is the Plan all About?

Silver Health Plan from Bajaj Allianz covers you & your spouse against high rising medical treatment expenses. This health plan offers cashless benefit or reimbursement towards hospitalization expenses. This policy is available on an individual sum insured basis.

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What are the Key Features?

  • Comprehensive health cover for seniors
  • Covers Hospitalization Expenses
  • Grab Family Discount
  • In-house Claim Administration
  • Cashless facility at 3300+ network hospitals across India
  • Quick & hassle-free disbursement of claim
  • Pre-existing illnesses covered after 1 year
  • Customized packages to match individual needs

What are the Plan Benefits?

Policy Benefits

    • In-patient hospitalization expenses, including Room Charges, Boarding, Medical Practitioner/Consultant Fees, etc. are covered.
    • Pre hospitalization & post hospitalization expenses are covered up to 3% of admissible hospitalization expenses.
    • 130 day care procedures for which the insured person gets hospitalized for a period less than 24 hours are covered.
    • Pre-existing illnesses are covered as stated under the policy.

Value Added Benefits

    • Emergency ambulance charges are covered under this policy.
    • Cost of pre-policy check up is covered under this policy.
    • Get Cumulative Bonus of 10% of the sum insured for every claim-free policy year, to a maximum of 50% of the sum insured and up to a maximum of 5 years.
    • The benefit of sum insured enhancement can be availed at the policy renewal, subject to underwriting approval.
    • 5% discount is available upon covering two or more family members under a single policy.
    • Enjoy portability benefit under this policy.
    • Health check up expenses are covered once after every continuous 4 claim free years. This benefit can be availed, when done in one of the designated diagnostic centers.
    • Tax Benefits for premiums paid are covered under section 80D of IT Act, 1961.

Sub Limits

    • 20% co-payment applies, in case hospitalization is done at a non-network hospital. Waiver of co-payment becomes applicable on payment of an additional 15% on premium.
    • Ambulance charges are capped to a limit of Rs 1000/- per claim.
    • Pre-existing illness from the 2nd policy year are covered up to 50% of the Sum Insured (SI).
    • 100% cost incurred for standard medical tests are reimbursed, upon acceptance of the proposal and policy issuance.
    • Surgery for cataract is capped up to a minimum of Rs 12,000 and maximum of Rs 25,000. It is payable up to 10% of the Sum Insured.

Waiting Period Clause

    • Initial Waiting Period: 30 days waiting period from the date of commencement of the policy except accidental bodily injury.
    • Specific Waiting Period: 12 month waiting period is applicable for illnesses/conditions such as Hernia, Hydrocele, Cataract, Endometriosis, Hysterectomy, etc. 48 month waiting period is applicable for joint replacement surgery
    • Pre Existing Diseases Waiting Period: Any pre existing diseases/illnesses/injuries are covered after 12 months of continuous policy coverage.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 46 Years 70 Years
Sum Assured Rs 50,000 Rs 5 Lacs
Cover Type Individual/Family -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days From The Date Of Expiry -
Freelook Period 15 Days -
Riders Waiver Of Co-payment -
Plan Type Online -

Exclusions

  • Cosmetic/Aesthetic treatment
  • Dental treatment
  • Convalescence