How does the waiting period affect my coverage?

The Bajaj Allianz Silver Health Policy imposes a one-year waiting period for pre-existing conditions, covering 50% of the limit thereafter.

What happens if I don’t use my health insurance benefits for the entire year?

For each claim-free year, the policy offers a 10% cumulative bonus, enhancing your sum insured up to 50%.

Will my health insurance cover treatment abroad?

This policy does not cover treatments abroad; coverage is limited to medical expenses incurred within India.

OneAssure

Health Insurance

Bajaj

Silver Health

Experience India's most trusted health insurance with Bajaj Health Insurance. Get instant cashless treatment at 12500 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

12500

Network Hospitals

7.4

Customer Rating

Get a Quote

96

Claim Settlement Ratio

12500

Network Hospitals

7.4

Customer Rating

Our Verdict

Expert Review: Bajaj Health Insurance

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Final Verdict

The Bajaj Allianz Silver Health Plan offers solid coverage for senior citizens, including pre-existing diseases after 12 months and critical treatments. Ideal for elderly individuals, with co-payment and discounts for family coverage.

About

About Bajaj Health Insurance

The Bajaj Allianz Silver Health Plan offers comprehensive coverage for senior citizens (46+ years), covering hospitalization, pre-existing diseases (after 12 months), and critical treatments. It includes pre- and post-hospitalization expenses (3 days before, 60 days after), cashless treatment, ambulance cover, and domiciliary treatment. A 20% co-payment applies, with lifelong renewability and a 5% cumulative bonus for claim-free years. Exclusions include first 30-day illnesses, cosmetic treatments, and self-inflicted injuries, ensuring financial security for elderly individuals.

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

Room Rent

Normal: Single Private A/C Room.
ICU: Up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

Mandatory 20% of co-payment is applicable.

Waiting Period

Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.

Cashless Healthcare Providers

18,400+ Network Hospitals across India.

Daycare Treatment

Covers treatment or surgery that requires less than 24 hours hospitalization.

AYUSH Treatment

Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.

Room Rent

Normal: Single Private A/C Room.
ICU: Up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

Mandatory 20% of co-payment is applicable.

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Exclusions

Pre-existing diseases are not covered until after 1 year of continuous coverage.
Specific diseases/procedures excluded for the first 2 years of the policy.
30-day initial waiting period for illnesses, except accidents.
Cosmetic or aesthetic treatments, unless medically necessary due to illness or injury.
Treatment for HIV/AIDS, venereal diseases, and sexually transmitted diseases.
Hospitalization due to war, riot, strike, or nuclear weapons.
Self-inflicted injuries or attempted suicide.
Expenses related to pregnancy, childbirth, or related complications.

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About the company

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers a comprehensive range of protection, savings, investment, retirement, and group insurance solutions designed to meet diverse customer needs across life stages. The company serves a large customer base of over 3.8 crore policyholders and manages assets exceeding ₹1.2 lakh crore, reflecting its scale and financial strength. The company maintains a...

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers...