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Health Insurance For Senior Citizens

Special health insurance for senior citizens

Health Insurance Policy for Senior Citizen

Be secure in your later years

Unlock Your Benefits

Cashless claim settlement

Access to 18,400+ network hospitals*

Covers pre and post hospitalisation expenses

What is Senior Citizen Health Insurance?

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.

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

Key Features of Health Insurance Plan for Senior Citizen

 

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

  • Pre-existing Condition Coverage Pre-existing Condition Coverage

    Provides coverage for pre-existing medical conditions after a waiting period

  • Co-payment Waiver Co-payment Waiver

    Allows you to opt out of co-payments, a fixed amount you might have to pay for a claim along with the insurance company.

  • Cumulative bonus Cumulative bonus

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

  • Pre & Post Hospitalisation Coverage Pre & Post Hospitalisation Coverage

    Covers medical expenses incurred before and after hospitalisation.

  • High entry age High entry age

    This policy covers members up to 70 years of age.

  • Ambulance Cover Ambulance Cover

    Provides financial assistance for ambulance services in case of emergencies.

  • Free Health Check-ups Free Health Check-ups

    Offers free preventive health check-ups at network medical centres after a specific claim-free period.

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

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.

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.

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)

FAQs

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.

Why should you buy health insurance for senior citizens?

Medical costs may rise with age. Health insurance protects your finances and ensures access to quality healthcare without financial burden.

What should I look out for in a senior citizen medical insurance policy?

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.

What are the documents required to buy a senior citizen mediclaim policy?

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.

Do I need to go through medical screening before purchasing a senior citizen health plan?

Some plans, especially for older applicants or those with pre-existing conditions, might require medical check-ups.

Do all health insurance companies offer cashless hospitalisation?

No, cashless hospitalisation is a network benefit offered by participating hospitals within the insurer's network.

Do senior citizens get continuity advantages if they port their senior citizen health insurance plans?

Yes! Porting allows you to retain existing benefits like accumulated bonuses or avoid fresh waiting periods for pre-existing conditions.

Who will bear the cost of a pre-insurance medical check-up and where it will be conducted?

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.

Do insurance companies offer free annual health check-ups under senior citizen health policies?

Some plans might offer free annual check-ups as a preventive healthcare benefit. Review the policy wording for details.

To whom should I submit claim documents- TPA or the insurance company?

Submit them to the Third-Party Administrator (TPA) managing your claim process. They'll liaise with the insurance company.

Are critical illnesses covered under health plans for senior citizens?

Yes, many senior citizen health plans offer coverage for critical illnesses like cancer or heart disease.

Do senior citizen health insurance plans come with individual or floater cover?

Both options are available. Individual covers one person, while floater plans can cover you and your spouse or dependent parents.

Does health insurance cost more as you get older?

Yes, health insurance premiums generally increase with age due to higher healthcare risks associated with older demographics.

Spreading Smiles Through Our Services

Rama Anil Mate

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

Suresh Kadu

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

Ajay Bindra

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

Benefits of Silver Health Insurance Plan for Senior Citizens

  • Financial Protection :

    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.

  • Preventive Care :

    Some plans cover preventive health checkups, allowing for early detection of potential issues and promoting overall well-being.

  • Cashless Hospitalisation :

    Many plans offer cashless hospitalisation at network hospitals, eliminating the need for upfront payments during emergencies.

  • Tax Benefits :

    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

Individual Cover

Multiple features and benefits that consider your every need.

That's not all, These are Additional Benefits With Your Senior Citizen Health Insurance Plan

Health insurance plans with various benefits especially formulated to protect senior citizens from extensive medical bills:
Silver Health Cashless Facility

Cashless facility

Avail access to cashless facility at over 18,400 + hospitals* in India.

Hospital Cash Tax

Hospital Cash Tax

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.

Quick claim

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 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. 

Silver Health Family Discount

Family discount

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

Silverhealth Innovative packages

Customised plans

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

Why is Senior Citizen Health Insurance - Silver Health Plan Important?

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.

What is Covered under the Senior Citizen Mediclaim Policy?

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:

  • Hospitalisation Expenses :

    Covers room charges, surgeon fees, medications, and other costs incurred during hospitalisation.

  • Daycare Procedures :

    Covers treatment costs for procedures requiring less than 24-hour hospitalisation.

  • Pre & Post-Hospitalization :

    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.

Why Bajaj Allianz Silver Health Plan for Senior Citizens

  • Peace of Mind for Golden Years :

    Focus on enjoying your retirement without worrying about unexpected medical bills. The Silver Health Plan helps manage hospitalisation costs, protecting your savings.

  • Comprehensive Coverage :

    This plan goes beyond just hospitalisation expenses. It covers pre and post-hospitalisation care, and ambulance charges, and offers free health check-ups.

  • Rewarding Healthy Habits :

    The Silver Health Plan incentivises a healthy lifestyle by offering a cumulative bonus for claim-free years, effectively increasing your coverage over time.

  • Wider Entry Age Limit :

    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.

  • Tax Benefits :

    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.

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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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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