Bajaj Allianz Sliver Health Plan

Policy Benefits

• In-patient hospitalization expenses, including Room Charges, Boarding, Medical Practitioner/Consultant Fees, etc. are covered.
• Pre hospitalization & post hospitalization expenses are covered up to 3% of admissible hospitalization expenses.
• 130 day care procedures for which the insured person gets hospitalized for a period less than 24 hours are covered.
• Pre-existing illnesses are covered as stated under the policy.

Value Added Benefits

• Emergency ambulance charges are covered under this policy.
• Cost of pre-policy check up is covered under this policy.
• Get Cumulative Bonus of 10% of the sum insured for every claim-free policy year, to a maximum of 50% of the sum insured and up to a maximum of 5 years.
• The benefit of sum insured enhancement can be availed at the policy renewal, subject to underwriting approval.
• 5% discount is available upon covering two or more family members under a single policy.
• Enjoy portability benefit under this policy.
• Health check up expenses are covered once after every continuous 4 claim free years. This benefit can be availed, when done in one of the designated diagnostic centers.
• Tax Benefits for premiums paid are covered under section 80D of IT Act, 1961.

Sub Limits

• 20% co-payment applies, in case hospitalization is done at a non-network hospital. Waiver of co-payment becomes applicable on payment of an additional 15% on premium.
• Ambulance charges are capped to a limit of Rs 1000/- per claim.
• Pre-existing illness from the 2^nd policy year are covered up to 50% of the Sum Insured (SI).
• 100% cost incurred for standard medical tests are reimbursed, upon acceptance of the proposal and policy issuance.
• Surgery for cataract is capped up to a minimum of Rs 12,000 and maximum of Rs 25,000. It is payable up to 10% of the Sum Insured.

Waiting Period Clause

• Initial Waiting Period: 30 days waiting period from the date of commencement of the policy except accidental bodily injury.
• Specific Waiting Period: 12 month waiting period is applicable for illnesses/conditions such as Hernia, Hydrocele, Cataract, Endometriosis, Hysterectomy, etc. 48 month waiting period is applicable for joint replacement surgery
• Pre Existing Diseases Waiting Period: Any pre existing diseases/illnesses/injuries are covered after 12 months of continuous policy coverage.