Salient Features :

• Eligibility : Age from 46 years to 75 years
• Age at entry restricted to 70 years.
• Cost of pre-acceptance medical tests are reimburse. However if the proposal is accepted the company.
• 5% family discount available.
• SI from 50,000 to 5,00,000 can be opted from 46 yrs to 70 yrs.
• 5% cumulative Bonus for every claim –free years .

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 an 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 cashles 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 Allianze 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.

Terms & Conditions :

• All diseases / injuries existing at the time of proposing this insurance
• Any disease contracted during the first 30 days of commencement of policy
• Certain diseases such as hernia, piles, cataract, benign prostatic hypertrophy, hysterectomy shall be covered after a waiting period of 1 year
• Non-allopathic medicine
• All expenses arising from AIDS and related disorders
• Pre-acceptance medical tests at the cost of the proposer. However if the proposal is accepted the company will reimburse the cost of medical tests. (only for fresh proposals)
• Cosmetic, aesthetic or related treatment
• Use of Intoxicating drugs, alcohol
• Joint replacement surgery (other than due to accidents shall have a waiting period of four years)
• Treatment of any mental illness or psychiatric illness

Exclusions :

• All diseases / injuries existing at the time of proposing this insurance
• Any disease contracted during the first 30 days of commencement of policy
• Certain diseases such as hernia, piles, cataract, benign prostatic hypertrophy, hysterectomy shall be covered after a waiting period of 1 year
• Non-allopathic medicine
• All expenses arising from AIDS and related disorders
• Pre-acceptance medical tests at the cost of the proposer. However if the proposal is accepted the company will reimburse the cost of medical tests. (only for fresh proposals)
• Cosmetic, aesthetic or related treatment
• Use of Intoxicating drugs, alcohol
• Joint replacement surgery (other than due to accidents shall have a waiting period of four years)
• Treatment of any mental illness or psychiatric illness