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Health insurance plans for senior citizens are made to meet the unique healthcare needs of individuals aged 60 and above. They acknowledge that medical requirements evolve with age, providing specialised coverage for such changes.
These plans generally offer benefits like coverage for pre-existing conditions, higher sum insured options, and specific treatments relevant to seniors. They aim to ensure comprehensive healthcare access and financial security during a stage of life where health concerns may be more frequent. Choosing the right plan is helpful as it can provide security and support for managing healthcare expenses effectively in later years.
A mediclaim policy that offers complete health insurance solutions for senior citizens with a wide range of features:
Provides coverage for pre-existing medical conditions after a waiting period
Allows you to opt out of co-payments, a fixed amount you might have to pay for a claim along with the insurance company.
Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year, maximum limit up to 50%..
Covers medical expenses incurred before and after hospitalisation.
This policy covers members up to 70 years of age.
Provides financial assistance for ambulance services in case of emergencies.
Offers free preventive health check-ups at network medical centres after a specific claim-free period.
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.
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:
Important points to note
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.
Documents required for reimbursement claim
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)
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.
Medical costs may rise with age. Health insurance protects your finances and ensures access to quality healthcare without financial burden.
Consider coverage for hospitalisation, pre-existing conditions, preventive care, and cashless hospitalisation options. Choose a plan with a sum insured that aligns with your needs.
The common paperwork includes ID proof, address proof, and income proof. The insurer might ask for medical records depending on the plan and your age.
Some plans, especially for older applicants or those with pre-existing conditions, might require medical check-ups.
No, cashless hospitalisation is a network benefit offered by participating hospitals within the insurer's network.
Yes! Porting allows you to retain existing benefits like accumulated bonuses or avoid fresh waiting periods for pre-existing conditions.
You might have to bear this cost. The check-up might be done at a designated medical facility by the insurer or a lab of your choice.
Some plans might offer free annual check-ups as a preventive healthcare benefit. Review the policy wording for details.
Submit them to the Third-Party Administrator (TPA) managing your claim process. They'll liaise with the insurance company.
Yes, many senior citizen health plans offer coverage for critical illnesses like cancer or heart disease.
Both options are available. Individual covers one person, while floater plans can cover you and your spouse or dependent parents.
Yes, health insurance premiums generally increase with age due to higher healthcare risks associated with older demographics.
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
Senior citizen health insurance helps manage healthcare costs. It covers hospitalisation expenses, doctor consultations, medications, and other medical bills, reducing the financial burden on you and your loved ones.
Some plans cover preventive health checkups, allowing for early detection of potential issues and promoting overall well-being.
Many plans offer cashless hospitalisation at network hospitals, eliminating the need for upfront payments during emergencies.
Tax benefits for senior citizen medical insurance include deductions under Section 80D of the Income Tax Act. It allows senior citizens to claim deductions on premiums paid for their health insurance policies.
Tailor-made insurance plans for the golden years of your life
Multiple features and benefits that consider your every need.
Avail access to cashless facility at over 18,400 + hospitals* in India.
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.
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 18,400 + 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.
Avail a family discount of 5% for each member of your family covered under this policy.
This policy offers innovative packages customised especially to fulfil your requirements.
As people age, medical costs often increase. Senior citizen health insurance schemes serve as a crucial financial security, providing access to high-quality healthcare without the burden of financial concerns. This type of insurance empowers older people to focus on their health and well-being without worrying about the expenses associated with medical treatments and procedures. It offers safety, knowing they can afford necessary healthcare services and treatments, supporting their overall quality of life during their golden years.
Senior citizen mediclaim policies offer a range of coverage options, but some major benefits offered by the best health insurance policy for senior citizens include:
Covers room charges, surgeon fees, medications, and other costs incurred during hospitalisation.
Covers treatment costs for procedures requiring less than 24-hour hospitalisation.
Covers expenses related to doctor consultations, medications, and diagnostic tests before and after hospitalisation.
It's important to note that specific coverage details may vary depending on the chosen policy. Always carefully review the policy wording to understand what's included in your plan.
Focus on enjoying your retirement without worrying about unexpected medical bills. The Silver Health Plan helps manage hospitalisation costs, protecting your savings.
This plan goes beyond just hospitalisation expenses. It covers pre and post-hospitalisation care, and ambulance charges, and offers free health check-ups.
The Silver Health Plan incentivises a healthy lifestyle by offering a cumulative bonus for claim-free years, effectively increasing your coverage over time.
Enrol in a health insurance plan even at a later stage in life. The Bajaj Allianz Silver Health Plan has a higher entry age compared to some standard plans.
Get tax deductions under Section 80D of the Income Tax Act for the premiums you pay towards your health insurance policy.
*Claims are subject to terms and conditions set forth under the health insurance policy.
**Tax benefits are subject to change in prevalent tax laws.
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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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