Bajaj Allianz

Bajaj Allianz

Silver Health

Bajaj Allianz Silver Health is a decent policy if you're 46 and above. And while they only make you wait 1 year before covering complications arising out of pre-existing diseases(like diabetes), you will have to bear 50% of the costs in such cases. And it's not exactly cheap either. So maybe you could look at other alternatives?

What's good here?

room_rent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Learn More
disease_sublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Learn More

What's bad here?

special mention
warning
Be aware of

Reasonable waiting period for pre-existing diseases

If you have any pre-existing condition, any complication arising out of that will be covered only upto 50%. The rest 50% will have to be paid by you. It's a 50% mandatory co-payment for pre-existing diseases

Learn More
co_pay

You may pay a portion of the bill

On most occasions the insurer will pay your medical bills in full up to the sum insured — no questions asked. However, if you were forced to be treated in a hospital that’s not a part of their network, then they’ll make you co-pay 20% of the final bill.

Learn More
domiciallary

No coverage if you are forced to hospitalize at home

The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.

Learn More

What's okay here?

pre_post

Pre & Post hospitalization expenses covered up to a certain limit

No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount up to 3% of your hospital bill. Oh, and it also includes the cost of medication by the way.

Learn More
day_care

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

Learn More
ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.

Learn More

What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

Learn More
health_checkup

No free Health Checkups unless you wait 4 years

If you’re planning on getting a full body checkup just to make sure you’re in fine working condition, the insurer will cover the cost once in 4 years. However, just so you know, most insurance policies offer free yearly health checkups.

Learn More
ayush

No Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatment to cure an illness. Tough Luck!!! Your insurer won’t cover this expense.

Learn More
talk to us

Need a human touch?

Talk to us and we will navigate the complex world of insurance together. It's free and we will never spam you. Pinky Promise!!!

Related Policies

Bajaj Allianz
Bajaj Allianz

Extra Care Plus Super Top-up

Bajaj Allianz
Bajaj Allianz

Health Guard Gold

Bajaj Allianz
Bajaj Allianz

Extra Care Top-up

Ditto
finshots
A product by Finshots
support@joinditto.in | +91-8048816818

Finshots © 2021. All Rights Reserved.

Tacterial Consulting Private Limited

CIN: U74999GJ2018PTC103398

IRDAI Registered Corporate Agent (Composite) License No CA0738

valid till 9th December 2023

Disclaimer : The information contained in this website is presented purely for information purposes only provided as service to the internet community at large. It does not constitute insurance advice and we do not guarantee the accuracy, adequacy or the completeness of the information contained here.