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Health Insurance For Senior Citizens Special health insurance for senior citizens

Be secure in your later years

What’s in it for you?

Cashless claim settlement

Access to 6,500+ network hospitals

Covers pre and post hospitalisation expenses

WHY BAJAJ ALLIANZ SILVER HEALTH PLAN?

Private healthcare is becoming increasingly unaffordable owing to the rise in the cost of treatment, which leads us squarely to exorbitant medical bills. All it may take is one medical emergency/critical illness to wash out all your life’s savings. Moreover, healthcare costs increase with age, when you may need more expensive treatments too. But affordable insurance doesn’t have to be only for the young.

Our Silver Health plan is an exclusive health insurance policy for senior citizens that protects them from healthcare expenses. You can now spend your golden years, whether or not you retire, without any financial worries related to healthcare.
Our Silver Health Plan is a comprehensive medical insurance policy for senior citizens that provides financial security for critical illnesses, hospitalisation, medical check-ups and more.
Invest in a health insurance policy for senior citizens and save your parents and yourself from financial setback brought on by unforeseen situations.

We offer a whole lot when it comes to Silver Health Plan

Key Features

A mediclaim policy that offers complete health insurance solutions for senior citizens with a wide range of features:

  • Pre-existing illness cover

    This policy covers pre-existing illnesses until 1 year after your policy is issued.

  • Waiver of co-payment

    You can opt for co-payment waiver. Co-payment is a voluntary amount (%) that you can opt to pay from the overall mediclaim while the rest of it is taken care of by us.

  • Cumulative bonus

    Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year, maximum limit up to 50%.

  • Pre and post hospitalisation

    Covers pre and post hospitalisation expenses up to 60 and 90 days respectively.

  • High entry age

    This policy covers members up to 70 years of age.

  • Ambulance cover

    This policy covers ambulance charges in an emergency, subject to a limit of Rs 1,000.

  • Free health check-up

    Avail free health check-up at our designated medical centres at the end of four continuous claim-free years.

Healthcare protection for the later stages of life. Watch this video to know more.

Video

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim by Direct Click (CDC)

Bajaj Allianz General Insurance has introduced an app based claim submission process known as “Health Claim by Direct Click” (CDC) This facility allows you to register and submit claim documents through the app itself for claims up to Rs 20,000.

What you need to do:

  • Register your policy and card number in the Insurance Wallet App.
  • Register your policy and health card number in the app.
  • Register the claim.
  • Fill the claim form and arrange for the hospital-related documents.
  • Upload the documents using the app menu.
  • Submit the claims for further processing.
  • Get confirmation within a few hours.
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Cashless claim process (Only applicable for treatment at a network hospital):

Cashless facility at network hospitals is available 24x7, throughout the year, without any interruption in service. But hospitals that provide cashless settlement are liable to change their policy without notice. Therefore, you must check the hospital list before getting admitted. The updated list is available on our website and with our call centre. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.

When you are opting for cashless claims, follow the steps given below:

  • Get the pre authorisation request form filled and signed by the treating doctor/hospital and signed by you or a member of your family, at the hospital’s insurance desk.
  • Network hospital will fax the request to the Health Administration Team (HAT).
  • HAT doctors will examine the pre authorisation request form & decide on cashless availability, as per the policy guidelines.
  • Authorisation letter (AL)/denial letter/additional requirement letter is issued within 3 hrs depending on the plan and its benefits.
  • At the time of discharge, the hospital will share the final bill and discharge details with HAT and based on their assessment, final settlement will be processed.

Important points to note

  • In case of planned hospitalisation, register/reserve your admission as per the network hospital’s procedure for admission in advance.
  • Admission at network hospital is subject to availability of a bed.
  • Cashless facility is always subject to your policy terms and conditions.
  • The policy does not cover the following : Telephone Food and beverages for relatives Toiletries
  • In-room rent nursing charges are included. However, if a higher room is used then the incremental charges will be borne by you.
  • In case the treatment is not covered as per the policy terms and conditions, your claim- cashless or reimbursement, will be denied.
  • In case of inadequate medical information, pre authorisation for cashless claim can be denied.
  • The denial of cashless facility does not mean denial of treatment and does not in any way prevent you from seeking necessary medical attention or hospitalisation.

Reimbursement of pre/post hospitalisation expenses

Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.

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Reimbursement Claim Process

  • Inform the BAGIC HAT team about the hospitalization. To register your claim online click here To register your claim offline, please call us on our toll-free number: 1800-209-5858.
  • After discharge, you or a member of your family must submit the following documents to HAT within 30 days: Duly filled and signed claim form with mobile number and email ID. Original hospital bill and payment receipt. Investigation report. Discharge card. Prescriptions. Bills of medicines and surgical items. Details of pre-hospitalization expenses (if any). In-patient papers, if required.
  • All documents to be sent to the HAT for further processing and based on the assessment, the final settlement will be done within 10 working days.
  • Post hospitalisation claim documents must be sent within 90 days from the date of discharge.

Documents required for reimbursement claim

  • Original pre-numbered hospital payment receipt duly sealed and signed.
  • Original prescriptions and pharmacy bills.
  • Original consultation papers (if any).
  • Original investigation and diagnostic reports along with original bills and payment receipt for the investigation done within and outside the hospital.
  • If you or a member of your family availed a cashless claim but did not utilise it, a letter from the hospital stating so.
  • A letter from the treating doctor mentioning incident details (in case of an accident).
  • Hospital registration certificate and hospital infrastructure on the letterhead.
  • A cancelled cheque bearing IFSC code and name of the insured.
  • Indoor case paper copy attested from the hospital from the date of admission to the date of discharge with detailed medical history and doctor’s notes with temperature, pulse and respiration charts.
  • X-ray (in case of a fracture).
  • Obstetric history from the treating doctor (in maternity cases).
  • FIR copy (in case of an accident).
  • A requirement for some special cases. In case of a cataract operation-lens sticker with a bill copy. In case of a surgery-implant sticker with a bill copy. In case of a heart-related treatment-stent sticker with a bill copy.

All original documents need to be submitted to the following address:

Health Administration Team

Bajaj Allianz House, Airport Road, Yerawada, Pune-411006.

Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.

Note: Keep a photocopy of the documents and courier reference number for your records.

Inform the Bajaj Allianz General Insurance HAT about the hospitalisation. a) To register your claim online click here b)

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LET'S SIMPLIFY HEALTH INSURANCE

What is the Senior Citizen Health Insurance Plan?

Retirement years come with their own set of trials and tribulations. It is in these years that you are most prone to medical issues. In case a major medical emergency befalls you at this time, you will not only be unprepared but also suffer major financial setback. To avoid this, opt for a health insurance plan that will stay with you when you most need it. 

Our Silver Health Plan is a special health insurance exclusively for senior citizens. This plan provides complete coverage against hospitalisation expenses, medical treatment expenses, accidents, critical illnesses and more.

Our happy customers!

Rama Anil Mate Mumbai

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu Mumbai

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra Mumbai

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Tailor-made insurance plans for the golden years of your life

Multiple features and benefits that consider your every need.

That’s not all, here are additional benefits with your Senior Health PlanHealth insurance plans with various benefits especially formulated to protect senior citizens from extensive medical bills:

Cashless facility

Avail access to cashless facility at over 6,500+ hospitals in India.

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.* Read more

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Senior Health Plan for your parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens.  If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Hassle-free claim settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Read more

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet. 

Family discount

Avail a family discount of 5% for each member of your family covered under this policy.

Customised plans

This policy offers innovative packages customised especially to fulfil your requirements.

All you need to know about your insurance plan.

Important points to note before buying Silver Health Plan for senior citizens

  • Inclusions
  • Exclusions

Pre and post hospitalisation expenses

Covers hospitalisation expenses and an amount equivalent to 3% of admissible pre and post hospitalisation expenses.

Ambulance charges

Covers ambulance charges in an emergency, subject to a limit of Rs 1,000.

Pre-existing illness cover

Covers pre-existing illnesses 1 year after your policy issuance.

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Any disease contracted during the first 30 days of commencement of the policy.
Diseases such as a hernia, piles, cataract, benign prostatic hypertrophy, and hysterectomy will not be covered until a waiting period of 1 year.

Non-allopathic medicines.

All expenses arising from AIDS and related disorders.
Cosmetic, aesthetic or related treatment.

Any disease or ailment arising due to the use of intoxicating drugs and alcohol.

Joint replacement surgery (other than due to accidents) will have a waiting period of four years.
Treatment of any mental illness or psychiatric illness.

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Customer Stories

Satish Chand Katoch
Satish Chand Katoch

Hassle Free through web with all option we can review while taking policy.

Ashish Mukherjee
Ashish Mukherjee

Easiest for anyone, no hassle, no confusion. Great work. Good luck.

Jaykumar Rao
Jaykumar Rao

Very user friendly. I got my policy in less than 10 minutes.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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