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Respect - Senior Care Rider

RespectRider
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Key Features

Advanced protection for senior citizens with timely assistance

Coverage Highlights

Essential Coverage Features for Senior Citizens

  • Timely assistance with care

A health insurance rider that provides timely assistance with care and ensures their safety round-the-clock.

  • Extra Benefit Rider

You can add this rider for yourself or your family members who are 50 years of age or above

  • Note

Please read policy wording for detailed terms and conditions

Inclusions

What’s covered?

  • Emergency Response

Up to 2 emergency road ambulances and 2 planned road ambulances per year

  • Smartwatch Protection

Fall detection, GPS tracking, SOS assistance, and health monitoring

  • Home Healthcare

Physiotherapy for 5 days a year and nursing care for 12 hours per day for 5 days a year

  • Doctor On Call

Unlimited medical teleconsultations with specialists

  • Mental Wellness

Two teleconsultations per year for psychological conditions

  • Note

Please read policy wording for detailed terms and conditions

Exclusions

What’s not covered?

  • Pre-existing Conditions

No coverage for treatments linked to pre-existing ailments before policy inception

  • Unutilized Services

Unused benefits do not roll over to the next policy year

  • Non-Medical Costs

Home assistance fees must be paid directly by the insured

  • Unauthorized Use

Smartwatch and service benefits are limited to the insured only

  • Self-Inflicted Injuries

No coverage for intentional harm or substance abuse-related incidents

  • Note

Please read policy wording for detailed exclusions

Benefits You Deserve

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Emergency Support

Includes SOS alerts and quick coordination for ambulance services

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Cashless Benefits

Enables direct billing for covered medical services without upfront payment

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Exclusive Discounts

Offers savings on selected health and wellness services

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COMPARE TABLE

Compare Insurance Plans Made for You

Cover
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Plan 1
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Plan 2
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Plan 3
Emergency Road Ambulance Service Yes Yes Yes
Planned Road Ambulance Service Yes Yes Yes
Fall Detection Technology through Smart Watch No No Yes
Physiotherapy Service at Home No Yes Yes
Nursing Care at Home No Yes Yes
Unlimited Medical Tele-consultation services Optional Optional Optional
Tele-consultation services for Psychological conditions No Yes Yes
Concierge Assistance Services Yes Yes Yes

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Why Insure Your Health with Bajaj Allianz?

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Access 18,400+ hospitals, all cashless!

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Sixty minutes is all it takes!
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Cumulative Bonus

No claims, no breaks – get upto 50%

Affordable Premium

Wide range of plans to suit your pocket

Claim on the Go

Paperless claim process up to INR 20,000 with our App

Respect- Senior Care Rider

With Respect- Senior Care Rider, caretaking becomes easier and smarter. A health insurance rider that provides timely assistance with care and ensures their safety round-the-clock. Be your parents' constant care companion despite your hectic schedules, whether you live with them or miles away. With us, you get the advantage of smarter care for senior citizens.

Any individual buying a Bajaj Allianz Health Insurance (base policy) can add this rider for themselves or their family members who are 50 years of age or above. You may also add this rider at the time of renewal. We offer the following benefits:

1. Ambulance Service

2. Fall Detection Technology through Smart Watch

3. Physiotherapy Service at Home (up to 5 days a year with up to 1-hour session per day)

4. Nursing Care at Home (5 days a year, 12 hours per day)

5. Unlimited Medical Tele-consultation services

6. Tele-consultation services for Psychological conditions (up to 2 consultations in a year)

7. Concierge Assistance Services

*Standard T&C apply

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Lifestyle Disease

WHO report says 60+ lacs lives are annually impacted by lifestyle diseases and medical expenses
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Financial Security

Lack of health insurance pushes many people below poverty line during medical crises

Health Companion

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Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Start Your Journey

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  • Covers financial loss due to phishing & identity theft

Step-by-Step Guide

To make sure that we are always listening to our customers,

How to Buy

  • 0

    Visit Bajaj Allianz website

  • 1

    Enter personal details

  • 2

    Compare health insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

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How to Renew

  • 0

    Login to the renewal portal

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

Renew Now

How to Claim

  • 0

    Notify Bajaj Allianz about the claim

  • 1

    Submit all the required documents

  • 2

    Choose cashless or reimbursement mode for your claim

  • 3

    Avail treatment and share required bills

  • 4

    Receive claim settlement after approval

Claim Now

How to Port

  • 0

    Check eligibility for porting

  • 1

    Compare new policy benefits

  • 2

    Apply before your current policy expires

  • 3

    Provide details of your existing policy

  • 4

    Undergo risk assessment by Bajaj Allianz

  • 5

    Receive approval from Bajaj Allianz

  • 6

    Pay the premium for your new policy

  • 7

    Receive policy documents & coverage details

Port Now

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Award and Accolades

Awards
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Bajaj Allianz General Insurance won IBEX award
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What Our Customers Say

Reliable Senior Care

Respect - Senior Care Rider has been a great support for my parents. The nursing care and teleconsultation services made their healthcare journey smooth and stress-free.

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Ravi Mehta

Pune

4.6

15th Jan 2024

Swift Emergency Assistance

I was truly impressed by how quickly the ambulance service arrived when my father needed urgent medical care. The fall detection smartwatch is also a game-changer.

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Neha Sharma

Delhi

4.8

22nd Dec 2023

Home Care Made Easy

The physiotherapy and nursing services at home are a blessing for elderly care. My grandmother received excellent care without stepping out of the house.

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Amit Desai

Mumbai

4.7

5th Feb 2024

FAQ's

Who can buy the Respect - Senior Care Rider?
Any individual insured under Bajaj Allianz Health Insurance (base policy) can add this rider for themselves or their family members who are 50 years of age or above.

What home healthcare services are covered under this rider?
The rider includes Physiotherapy at Home (up to 5 days per year, 1-hour session per day) and Nursing Care at Home (5 days per year, 12 hours per day) if prescribed by a doctor.

Does the rider include mental health support?
Yes, it covers up to 2 psychological teleconsultations per year to assist with anxiety, stress, or mental wellness issues.

Is the smartwatch provided with all plans?
No, the fall detection smartwatch is available only with Plan 3 and comes with features like SOS alerts, GPS tracking, sedentary reminders, and health monitoring.

Can unused benefits be carried forward to the next year?
No, any unused services do not roll over and must be utilized within the policy year.

Why is medical insurance necessary for your health?
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.

How many dependent members can I add to my family health insurance pla
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.

Why should you compare health insurance plans online?
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.

Why should you never delay the health insurance premium?
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

How to get a physical copy of your Bajaj Allianz General Insurance Com
Request a physical copy from the insurer or take a printout of the digital policy document received via email.

Is there a time limit to claim health cover plans?
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.

What exactly are pre-existing conditions in an Individual Health Insur
Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.

How is the insurer going to pay my hospital bills?
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).

Are there any tax advantages to purchasing Individual Health Insurance
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).

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Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.

How do I go about renewing health insurance plans?
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.

How is the health insurance renewal premium calculated?
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.

Can I renew my expired health insurance policy?
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo

Can I renew health insurance online?
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.

Will I be able to transfer my health insurance policy from another pro
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.

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With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144