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.
Bajaj Allianz Extra Care Plus Policy
Adults: 18 to 80 years
Children: 91 days to 25 years
Sum Insured Amount
₹3 Lakh to ₹50 Lakh
₹2 Lakh, ₹3 Lakh, ₹5 Lakh & ₹10 Lakh
1, 2 & 3 years
Go through the features of the Bajaj Allianz Extra Care Plus policy given below:
You can gain coverage for any pre-existing ailment under the health plan after completing a waiting period of 12 months.
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.
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.
The Extra Care Plus policy enables you to opt for the air ambulance cover to further safeguard your healthcare requirement!
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.
Policyholders are entitled to avail tax benefits under Section 80D of the Income Tax Act, 1961.
Here are some key aspects of medical care that are covered under the Bajaj Allianz Extra Care Plus policy:
Expenses incurred under in-patient hospitalisation are accounted for and provided with coverage under this health insurance policy.
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.
The ambulance expenses incurred during an emergency are covered up to ₹3,000 per hospitalisation event.
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.
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 harvesting expenses such as the cost associated with the surgery to remove the organ are covered by the insurance provider.
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.
Let’s take a look at the aspects that are not covered under Bajaj Allianz health insurance Extra Care Plus:
The insurance policy does not cover any medical expenses related to the newborn baby.
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.
Healthcare costs related to the treatment of pre-existing conditions or their direct complications are not covered before completing 12 months of continuous coverage.
Medical expenses incurred due to admission for diagnostics and evaluation purposes are not covered.
Any healthcare expenses resulting from surgical treatment of obesity that does not meet the policy wordings are excluded from the cover.
The cost of plastic or cosmetic surgery unless required for reconstruction due to an accident, burn or cancer.
Any ailment, treatment, surgeries, etc. listed with a waiting period are not included under the policy until the specified waiting period is over.
Medical costs arising out of unproven treatments, procedures or supplies are not covered.
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:
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.
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.
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!
You can use our health insurance premium calculator in order to estimate the premium applicable to your health insurance plan!
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.
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.
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.
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.