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Bajaj Allianz Extra Care Plus Policy Overview

Costs associated with getting medical care have begun to skyrocket in the past few years and this holds particularly true in the case of private hospitals. Once additional expenses associated with pre and post-operative care, follow-up expenses and medications come into play, the total figure you are looking at can practically burn a hole in your pocket. In such circumstances, even the most comprehensive health insurance plans can be rendered insufficient in being able to provide adequate coverage to offset such high expenses. It is within such situations that top-up health plans like Bajaj Allianz’s Extra Care Plus policy gain credence as they provide significant coverage for a reasonable premium.

Key Highlights of Bajaj Allianz Extra Care Plus

Policy Name

Bajaj Allianz Extra Care Plus Policy

Entry Age

Adults: 18 to 80 years

Children: 91 days to 25 years

Sum Insured Amount

₹3 Lakh to ₹50 Lakh

Deductible Options

₹2 Lakh, ₹3 Lakh, ₹5 Lakh & ₹10 Lakh

Policy Period

1, 2 & 3 years

Renewability

Lifetime

Features of Bajaj Allianz Extra Care Plus

Go through the features of the Bajaj Allianz Extra Care Plus policy given below:

  • Coverage for Pre-Existing Conditions

You can gain coverage for any pre-existing ailment under the health plan after completing a waiting period of 12 months.

  • No Medical Tests Needed

Provided you are under 55 years old you do not need to go through the hassle of undergoing medical tests in order to avail this health insurance top-up policy.

  • Lifetime Renewals Available

As you age, the chances of your being able to renew your health insurance plan begin to decline. That being said, the Extra Care Plus policy entitles policyholders to lifetime renewal applicable to their health insurance top-up plans.

  • Option to Get Air Ambulance Cover

The Extra Care Plus policy enables you to opt for the air ambulance cover to further safeguard your healthcare requirement!

  • Free Look Period

Bajaj Allianz Extra Care Plus offers a 15-day free look period in health insurance to understand the coverage, features and exclusions before opting for the policy.

  • Tax Benefits

Policyholders are entitled to avail tax benefits under Section 80D of the Income Tax Act, 1961.

Inclusions of Bajaj Allianz Extra Care Plus

Here are some key aspects of medical care that are covered under the Bajaj Allianz Extra Care Plus policy:

  • In-Patient Hospitalisation

Expenses incurred under in-patient hospitalisation are accounted for and provided with coverage under this health insurance policy.

  • Pre and Post-Hospitalisation Costs

This policy covers pre and post-hospitalisation. Expenses relating to pre-hospitalisation for up to 60 days and post-hospitalisation expenses incurred up to 90 days after discharge are covered under this policy.

  • Ambulance Cover

The ambulance expenses incurred during an emergency are covered up to ₹3,000 per hospitalisation event.

  • Modern Treatment Methods

Modern or technologically advanced medical treatments are covered up to 50% of the sum insured amount or ₹5 Lakh, whichever is less. Such modern treatments are also subject to waiting periods, and various terms and conditions.

  • Maternity Expenses

Medical expenses that arise during pregnancy and childbirth are covered under this policy for up to two deliveries. Moreover, the Bajaj Allianz Extra Care Plus policy covers the lawful termination of pregnancy as well.

  • Organ Donor Expenses

Organ harvesting expenses such as the cost associated with the surgery to remove the organ are covered by the insurance provider.

  • Medical Check-Ups

Once you have held the Extra Care Plus policy for three continuous years, Bajaj Allianz will reimburse the expenses associated with your medical check-up as per the policy wordings.

Exclusions of Bajaj Allianz Extra Care Plus Plan

Let’s take a look at the aspects that are not covered under Bajaj Allianz health insurance Extra Care Plus:

  • Newborn Baby Expenses

The insurance policy does not cover any medical expenses related to the newborn baby. 

  • Dental Treatment

Any dental surgery or treatment required, unless due to accidental injury or leading to hospitalisation is not included in the Bajaj Allianz Extra Care Plus plan.

  • Pre-Existing Conditions

Healthcare costs related to the treatment of pre-existing conditions or their direct complications are not covered before completing 12 months of continuous coverage. 

  • Investigation and Evaluation

Medical expenses incurred due to admission for diagnostics and evaluation purposes are not covered. 

  • Weight Control

Any healthcare expenses resulting from surgical treatment of obesity that does not meet the policy wordings are excluded from the cover. 

  • Plastic or Cosmetic Treatment

The cost of plastic or cosmetic surgery unless required for reconstruction due to an accident, burn or cancer. 

  • Waiting Period

Any ailment, treatment, surgeries, etc. listed with a waiting period are not included under the policy until the specified waiting period is over. 

  • Unproven Treatments

Medical costs arising out of unproven treatments, procedures or supplies are not covered.

How to Make a Claim Under Extra Care Plus

It is recommended to inform your insurance provider regarding the hospitalisation at the earliest for a successful claim. Raising an insurance claim against this policy is fairly easy and here’s how you can go about it:

  • Cashless Claim

Step 1: Visit your insurance provider’s network hospital. Submit the cashless card and take the pre-authorisation form.

Step 2: The insurer shall verify the form and the hospital will be notified about the details of the healthcare claim.

Step 3: Upon discharge, the hospital will send the bill to the insurer along with discharge papers.

Step 4: Your health insurance claim shall be directly settled with the hospital, after reducing the co-payment, if any. 

  • Reimbursement Claim

Step 1: Submit all original medical documents, hospital bills and the insurance claim form to the insurer provider.

Step 2: The insurer shall assess the details of the claim and may ask for any additional information if required.

Step 3: On receiving all the documents, your claim may be accepted or rejected.

Step 4: You will receive the claim amount based on the policy terms and conditions.

Conclusion

In today’s day and age, it is vital to have an adequate healthcare backup. You must secure yourself and your loved ones with a top-up plan to avoid shouldering any financial burdens. Further, due to rising medical inflation, it is possible to exhaust your health insurance coverage within the policy term! The Bajaj Allianz Extra Care Plus policy allows you to put your health first as is evident from its cashless hospitalisation facility and enjoy extensive protection. So, head over to Bajaj MARKETS and secure your medical requirements with adequate coverage today!

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FAQs on Bajaj Allianz Extra Care Plus

  • ✔️How can I calculate the premium applicable to my Bajaj Allianz Extra Care Plus policy?

    You can use our health insurance premium calculator in order to estimate the premium applicable to your health insurance plan!

  • ✔️I injured myself while bungee jumping. Can I use the Bajaj Allianz Extra Care Plus policy in order to offset the medical expenses associated with my bungee jumping injury?

    Since bungee jumping is an extreme sport which is also hazardous, you will not be entitled to avail coverage to offset the medical expenses associated with the injury. This is because injuries sustained from hazardous and extreme sports aren’t included under the Bajaj Allianz Extra Care Plus policy.

  • ✔️Are tooth extractions covered under the Bajaj Allianz Extra Care Plus policy?

    The health insurance coverage is only for correcting accidental injuries sustained to the teeth. This means that tooth extractions aren’t covered under the Extra Care Plus policy unless they are needed owing to a natural accident involving the teeth.

  • ✔️ What is the earliest time at which I can avail a free medical check-up under the Bajaj Allianz Extra Care Plus policy?

    The earliest you can avail a free medical check-up under the Bajaj Allianz Extra Care policy is after three continuous years of having availed the plan and paid the premiums that apply.

  • ✔️I have a two-year-old son. Is it possible for me to get the Bajaj Allianz Extra Care Plus policy for him?

    Yes, it is possible to get a Bajaj Allianz Extra Care Plus policy for your two-year-old son. As long as you fall within the age bracket of 90 days to 80 years, you can opt for this top-up plan.