Respect - Senior Care Rider

With Respect- Senior Care Rider, caretaking becomes easier and smarter. A health insurance rider that provides timely assistance with care and ensures their safety round-the-clock. Be your parents' constant care companion despite your hectic schedules, whether you live with them or miles away. With us, you get the advantage of smarter care for senior citizens.

Any individual buying a Bajaj General Health Insurance (base policy) can add this rider for themselves or their family members who are 50 years of age or above. You may also add this rider at the time of renewal. We offer the following benefits:

1. Ambulance Service

2. Fall Detection Technology through Smart Watch

3. Physiotherapy Service at Home (up to 5 days a year with up to 1-hour session per day)

4. Nursing Care at Home (5 days a year, 12 hours per day)

5. Unlimited Medical Tele-consultation services

6. Tele-consultation services for Psychological conditions (up to 2 consultations in a year)

7. Concierge Assistance Services

*Standard T&C apply

Senior citizens often find themselves navigating health challenges on their own. With age comes increased medical needs, mobility issues, and a desire for greater peace of mind. That’s where Respect – Senior Care Rider from Bajaj General Insurance steps in. Designed as a thoughtful add-on to your existing health insurance plans in India, this rider ensures that senior members of your family receive timely support, expert care, and round-the-clock assistance right when it’s needed the most.

This isn’t just about insurance. It’s about creating a safety net that blends innovation, technology, and personalised care, all for the dignity and well-being of our elders. Let’s explore how this unique rider can transform the way we support our ageing loved ones.

What is the Respect – Senior Care Rider?

The Respect – Senior Care Rider is a value-added feature that can be attached to a base health insurance policy offered by Bajaj General Insurance. It is specifically crafted to offer medical support, emotional assistance, and convenience-based services for individuals aged 50 years and above.

This rider is not a standalone policy. It works alongside an existing base policy, such as the Bajaj General Insurance’s Health Guard, and its duration is aligned with the base policy term. For example, if your Health Guard policy has a tenure of two years, the Respect Rider will also remain valid for two years.

Let’s take a deeper look at what the Respect – Senior Care Rider includes:

1. Ambulance Services – Fast and Reliable Support

Whether it’s an emergency or a planned hospital visit, this rider offers up to two ambulance services per year in both categories. Quick response during emergencies ensures timely hospitalisation, which is critical for senior citizens.

2. Fall Detection Smartwatch – Wearable Peace of Mind

Plan 3 includes a GOQii smartwatch with built-in fall detection technology. This device can detect sudden body movements and immediately send alerts to a service provider and the registered emergency contact.

Additional features include:

1. SOS alerts to reach out to help

2. Real-time GPS location tracking

3. Sedentary lifestyle reminders

4. Medicine intake reminders (MedTime)

5. Pedometer for step tracking

6. Blood oxygen monitoring

7. 24x7 body temperature and heart rate alerts

This is a shining example of combining health protection with smart technology.

3. Physiotherapy and Nursing Care at Home

When prescribed by a doctor, the insured can avail home-based physiotherapy (maximum 5 days per year) and nursing care (up to 5 days with 12-hour service per day). This is particularly useful for those recovering from surgery, managing chronic pain, or needing temporary nursing support.

Note: A 30-day waiting period applies, and requests must be submitted at least 24 hours in advance.

4. Medical Tele-consultation Services

Telephonic medical consultations are available through a panel of qualified general practitioners and specialists. For mental health support, two tele-consultations per year with psychological experts are also included under Plans 2 and 3.

This shows Bajaj General Insurance’s recognition of the importance of emotional well-being in overall health, especially for seniors adjusting to changing lifestyles.

5. Concierge Services – For Daily Convenience

This unique feature offers telephonic assistance for:

1. Booking hospital appointments or lab tests

2. Arranging electrician, plumber, or pest control services

3. Getting appliance repairs done

4. Blocking lost cards or ordering groceries online

5. Travel booking support

6. Seeking legal advice on wills or property documents

The best part? These services are unlimited (within operational capacity) and available on a need basis.

While the concierge support is arranged by Bajaj General Insurance, any fees for service execution are to be paid by the insured directly to the service provider.

Here’s why this rider stands out among other medical insurance for senior citizens:

1. All-in-one solution: It goes beyond hospitalisation and covers everyday needs from emergency transport to mental health and lifestyle support.

2. Home-based care: No need to step out for therapy or nursing services.

3. Smart health tracking: The smartwatch makes it easier for caregivers and family members to monitor loved ones remotely.

4. Mental health focus: Recognises and addresses emotional stress and anxiety in elderly individuals.

5. Customisable plans: Choose the coverage based on the specific needs of your family member.

Eligibility for the Respect – Senior Care Rider is simple and inclusive:

1. Any individual already covered under a Bajaj General Insurance health insurance policy can add this rider.

2. Family members covered under the base policy who are aged 50 years or older are also eligible.

This means you can ensure a wider net of care for your parents, in-laws, or even yourself if you fall into this age group.

Bajaj General ensures a smooth process for availing these services. Here’s how it works:

1. Reach Out: Insured members can call the 24x7 helpline (0120-4984848) or press the SOS button in the Bajaj General app.

2. Assessment: The service provider confirms eligibility, service location, and documentation (like doctor’s prescription for physiotherapy or nursing care).

3. Coordination: After verification, the team arranges appointments or dispatches an ambulance as required.

4. Follow-up: You receive regular updates and service confirmations via call and app notifications.

Even concierge services are coordinated in a similar step-wise manner, ensuring the insured always knows what to expect.

Safety, Simplicity, and Dignity

Respecting the elderly means giving them independence, safety, and timely help. The Respect – Senior Care Rider from Bajaj General Insurance brings together all these aspects under one thoughtful offering.

Where other medical insurance plans in India stop at hospitalisation and reimbursement, this rider takes a step further by offering home services, mental wellness support, and everyday conveniences. It’s not just a plan, it’s a lifestyle solution for senior care.

Conclusion: A Promise of Care Beyond the Clinic

The golden years of life should be lived with dignity, not dependency. With the Respect – Senior Care Rider, Bajaj General Insurance has created a truly holistic solution that safeguards health, promotes mental well-being, and simplifies daily life for the elderly.

Whether you’re planning for your parents or your own future, consider this rider as a meaningful upgrade to your existing health insurance. It’s not just about being prepared; it’s about showing respect.