Top Benefits of Bajaj Allianz General Insurance Company’s Health Insurance for Senior Citizens

Old age is for cherishing memories and pursuing passion with no stress. However, there may be unexpected health challenges that can disrupt your lifestyle. This is where health insurance for senior citizens comes to the rescue—not as an expense, but as a shield that protects against all kinds of health concerns. These plans empower individuals with financial security and the best healthcare services according to changing medical needs. Bajaj Allianz General Insurance Company’s Silver Health Plan is quite impressive with further desirable features that secure your health and well-being so you can live life to the fullest. 

Why is Health Insurance Essential for Senior Citizens?

In today’s time, healthcare has not only become a priority but a necessity, given the increasing medical costs. The medical bills account for a strain on even the most well-crafted finances. In such cases, a health insurance policy for the elderly acts as a safety cushion; helping them seek health care without sabotaging their years of hard-earned savings. Besides, it brings the peace of mind required to embrace the later stages of life with confidence.

Key Benefits of Health Insurance for Senior Citizens

1. Comprehensive Hospitalisation Coverage

Hospitalisation bears a substantial financial burden, especially for senior citizens. Bajaj Allianz General Insurance Company’s Silver Health Plan covers expenses related to hospitalisation, like room charges, surgery, and medicine, assuring the insured can focus on recovery rather than financial crunches.

2. Coverage for Pre-Existing Conditions
Health Insurance covers ailments starting from the second year of the policy. Therefore, seniors get support therapy to continue their treatments with limited out-of-pocket expenses.

3. Pre- and Post-Hospitalisation Coverage
Hospitalisation expenses do not end once the discharge process is initiated. The plan covers expenses for consultations, tests, and follow-ups, providing complete protection.

4. Support for Daycare Treatments
Owing to advancements in medicine, many procedures now require considerably less than 24 hours of hospitalisation. Policies like Silver Health Plan cover over 130 daycare treatments, which ensures that seniors get great healthcare opportunities.

5. Free Annual Health Check-Ups
This will help diagnose latent problems early to reduce long-term costs in the event of treatment. Claim-free during the four years of the policy.

6. Cashless Hospitalisation
With the cashless treatment policy, you don’t need to worry about arranging cash in distressing times across 18400+ network hospitals throughout India. The insurer directly pays the hospital. 

7. Ambulance Facility
Time is of the essence; therefore, every second counts in dire needs. The plan includes ambulance cover that allows rapid transportation to the medical facilities within constituted expense limits.

8. Cumulative Bonus
In every claim-free year, a policyholder will receive a bonus of 10% of the sum insured in pretty much each plan and will be granted up to 50%. It will reward good health while also ensuring utility.

Some Additional Features That Can Enhance Such Experience 

To make a health insurance plan even more beneficial, some extra features can go a long way. These additions will provide convenience and give a more personalised approach to policyholders. 

• Customised Packages: Flexible plans according to individual requirements can be offered according to the needs of the patient.
• Speedy Claim Settlement: On-spot processing of claims by an in-house claims charge helps in times of emergency.
• Family Discounts: Cover family members and get a discount of 5% on the premium payable.
• Portability Options: Transfer benefits from your existing policy without any hassle.  

 

Health Insurance for senior citizens is more than a monetary commitment — it's a pledge to uphold dignity, independence, and peace of mind. Bajaj Allianz General Insurance Company’s Silver Health Plan provides a comprehensive range of services, specifically tailored to seniors' needs. It covers all-around benefits along with a special emphasis on preventive care, thus bagging the title of a dependable companion for senior citizens.

*Standard T&C Apply

**Claims are subject to terms and conditions set forth under the health insurance policy.

***Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale. 
****Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.