Bajaj Allianz - Health Insurance Policy for Senior Citizens

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About Policy

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.

Bajaj Allianz - Health Insurance for Senior Citizens

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:

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.

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I am 62 and my wife 61. we would like to take a policy for medical insurance. I am at Keelkattalai, chennai 600117. Contact me on mobile:9444413108.
thangadurai58 Saturday, October 15, 2011
hello sir, i am ajine working in star health insurance. it gives you senior red corpet policy and per person take 5lakhs maximum coverage agelimit 60to69 more details call me on mobile 9786437039
ajine33 Sunday, October 16, 2011
Never ever join Star Health Insurance. The forge signatures to falsify your claims. Their customer reps are illiterate and rude. They'll deny your claim vehemently. They are just bunch of thieves trying to fleece you. Stay clear from Star Health Insurance
StarHealthVictim Thursday, December 29, 2011
Ajine :Hi Can you please provide your contact email i am in Kuwait would like to contact you to take Medicial Insurance to my parents
nivedhitha Wednesday, September 4, 2013

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