Bajaj Allianz Insurance Company offers Silver Health policy that allows the maximum insurance of Rs. 5 lakhs. Unlike other policies the entry age to avail this policy has been fixed to 46 years, which will be a boon for middle-aged people. Go through the article to know more about the other features and benefits.

Silver Health Policy

Salient Features:

Eligibility: Age from 46 years to 75 years.

Age at entry restricted to 70 years.

Costs of pre-acceptance or pre-screening medical tests are reimbursed. However if the proposal is accepted the company.

5% family discount available.

Sum Insured from 50,000/- to 5,00,000/- can be opted from 46 yrs to 70 yrs.

5% cumulative Bonus for every claim–free years.

Note: Please refer to the policy documents for the complete Insurance Policy subject to the insurance Company.


Scope of Cover/Benefits:

The policy covers hospitalization expenses and an amount equivalent to 3% of admissible hospitalization expenses in respect of any and all pre and post hospitalization expenses.

Covers ambulance charges in an emergency subject to a limit of Rs.1000/-.

Pre-existing illnesses are covered from the second year of the policy.

The Company’s liability a case of any pre-existing illness form the second year of the policy would be restricted to 50% of the limit of indemnity in a policy year.

The policy has lifetime indemnity limit of three times the limit of indemnity specified in the earliest senior citizen plan, if the policy is renewed continuously.

Cashless facility; with Silver health plan, the member has access to the cashless facility at various network of over 2400 hospitals across India (Subject to exclusion and conditions).

The member can opt for hospital besides the empanelled ones. In which case the expenses, incurred by him/her shall be reimbursed within 14 working days from submission of all the documents.

20% of co-payment of the admissible claims to be paid by the member if treatment is taken in a hospital other than a network hospital.

Health checkup in designated Bajaj Allianz Diagnostic centers at the end of continuous four claim-free years.

Income tax benefit on the premium paid as per section 80 D of the Income Tax Act as per existing IT law.Note: Please refer to the policy documents for the complete Insurance Policy subject to the insurance Company.

Premium Rate/Chart:

SI / AGE	AGE (in years)
	46-50	51-55	56-60	61-65	66-70
50000	1995	2495	3824	4780	7170
100000	2993	3742	5736	7170	10755
150000	3741	4677	7170	8963	13444
200000	4646	5846	8963	11203	16805
300000	5845	7308	11203	14004	21006
400000	8767	10962	16805	18905	24199
500000	10959	13155	21006	236232	29039

* Service Tax as applicable

Note: Please refer to the policy documents for the complete Insurance Policy subject to the insurance Company.