Insurance

Bajaj Allianz General Insurance Co. Ltd.

Bajaj Allianz General Insurance Co. Ltd.

Bajaj Allianz General Insurance Company Limited was started after a joint-venture between Allianz SE and Bajaj Finserv Limited. Allianz SE is a leading insurance conglomerate with operations in over 70 countries. Bajaj Bajaj Finserv Limited  is a part of the Bajaj Group, India's second-biggest two-wheeler maker.

Bajaj Allianz General Insurance offers insurance products including motor insurance, asset insurance, health insurance, travel insurance, and corporate insurance. The company also offers some unique insurance products like personal accident cover for Amarnath yatris, film insurance, event management cover, and sports & entertainment insurance.


Silver Health Policy

Features
  • Pre-existing diseases covered from the second year of the policy.
  • A flat benefit of 3% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses.
  • Cashless facility : With Silver Health plan, the member has access to cashless facility at various network of over 2900 hospitals across India (subject to exclusions and conditions)
  • 20% of co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital.
  • Waiver of co-payment is available on payment of additional premium.
Coverage
  • The policy covers hospitalisation expenses and an amount equivalent to 3% of admissible hospitalisation expenses in respect of any and all pre and post hospitalisation 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 in case of any pre-existing illness from the second year of the policy would be restricted to 50% of the Limit of Indemnity in a policy year.

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

Benefits
  • Cumulative bonus of 5 % added to your sum assured for every claim free year.
  • Health Check up at the end of continuous four claim free years.
  • Family discount of 5 % is applicable.
  • Income tax benefit on the premium paid as per section 80-D of the Income Tax Act as per existing IT law.
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.

  • Cosmetic, aesthetic or related treatment.

  • Use of Intoxicating drugs and alcohol.

  • Joint replacement surgery (other than due to accidents) will have a waiting period of four years.

  • Treatment of any mental illness or psychiatric illness.

Eligibility
  • You are covered from Age of 46 yrs to 75 years.

  • Age at entry is restricted to 70 years.

  • Pre-acceptance medical tests are to be held at the cost of the proposer. However, if the proposal is accepted, the Company will reimburse the cost of medical tests.   

Officieal Website of Bajaj Allianz General Insurance Co. Ltd.

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