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Bajaj Allianz Health Insurance for Parents

For every one of us, family comes first. A plan like Bajaj Allianz Family Floater Health Guard policy is the perfect way to protect your savings against the hefty medical costs. This plan is perfectly designed to provide cover to your parents. After a certain age, the frequency of falling ill increases and your parents may need protection to go through this stage. The plan offers a minimum entry age of 18 years and the maximum entry age of 65 years. Also, the policy is equipped with the lifetime renewal option. The plan is available for the policy terms of 1, 2 and 3 years.

Key Features

  • Sum insured between Rs. 1.5 Lakh and Rs. 50 Lakh
  • Cover for pre-hospitalisation of 60 days
  • Cover for post-hospitalisation 90 days
  • Availability of 6000+ network hospitals
  • Free preventive health check-ups every 3 years
  • Offer for reinstatement of sum insured is available
  • Policy term option is offered for 1, 2 and 3 years
  • The lifelong renewal option is available under the plan

Scope of coverage

  • All the daycare treatments and procedures are covered
  • Coverage offered for ayurvedic and homeopathic treatments
  • Costs incurred on the convalescence are covered up to Rs. 7,500
  • Coverage for maternity and newborn to a specific limit
  • Cover for organ donor expenses up to the amount of SI
  • No medical tests are required up to 45 years
  • Bariatric surgery cover is offered to policyholders
  • Cover ambulance charges up to a limit of Rs 20,000 in a policy year


The proposer’s entry age should be between 18 years and 65 years. The health insurance plan can be renewed for the lifetime.


  • Treatment of pre-existing illness before the waiting period
  • Any illness or disease contracted during the first 30 days of the policy
  • Specific diseases like piles, sinusitis, cataract, and hernia before the 2-year waiting period
  • Treatment of intoxicating and/or addictive substances such as alcohol, drugs, etc.
  • Coverage related to Bariatric Surgery is not covered before the waiting period of 3 years

For complete product details and exclusions, kindly refer to the policy wording. Or call our helpline 1800-1205-698.

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Health Insurance News


  • Who should buy Bajaj Allianz parents health insurance plan?

    Individuals aged between 46 years and 70 years can purchase the Bajaj Allianz parents health insurance policy Silver Health to safeguard themselves against medical expenses during emergency situations. Another option that can be used for parents health insurance policy is Health Guard Family Floater Policy that has a maximum entry age of 65 years. This policy can be purchased separately for parents. 

  • Can I change the sum assured during Bajaj Allianz parents health insurance tenure?

    Any changes to the sum insured amount for Bajaj Allianz parents health insurance can be made at the time of policy renewal. It must be noted that health insurance companies do not allow any change of sum insured amount at the time of policy tenure. 

  • Does Bajaj Allianz parents health insurance policy offer tax deductions?

    Bajaj Allianz parents health insurance policy offers tax deductions under Section 80D of Income Tax Act, 1961 for the policy premium paid.

  • What is the advantage of Bajaj Allianz parents health insurance plan?

    Bajaj Allianz parents health insurance policy has multiple benefits to offer. comprehensive coverage, free health checkup after 4 years, reimbursement of 100% of standard medical test charges, enhancement of sum insured at renewal time, quick claim settlement, lifelong renewability, cumulative bonus of 10% of sum insured, 5% family discount on covering 2 or more members, waiver on copayment clause, and more.

  • What does Bajaj Allianz parents health insurance plan cover?

    Bajaj Allianz parents health insurance plan Silver Health provides coverage inpatient hospitalization, pre & post-hospitalisation expenses, pre-existing disease coverage, 130 daycare procedures, emergency ambulance expenses up to Rs. 1000 per claim, cover for cataract, hernia, and other such diseases after a waiting period of 1 year, cover for joint replacement surgery after 4 years of waiting period, etc. 

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