Medical coverage falling short?
Ever been in a situation where you’ve been hospitalized and your basic health insurance plan falls short of covering expenses? With medical costs on the rise, why wait for the exhaustion of your sum insured amount that prevents you from getting the required medical help? Here’s presenting Extra Care Plus, a health insurance top-up plan that is designed to take care of medical expenses, should you deplete your basic health insurance policy amount. Moreover, individual Extra Care Plus top-up plans for individual health insurance come for as little as Rs. 2500 per annum.
Imagine being in a situation where either you or one of your family members is hospitalized and the sum insured amount of your health insurance plan falls short of covering the medical expenses! What do you do? Well, as the saying goes, ‘Better safe than sorry’, a health insurance top up is what you should get. When you buy a Bajaj Allianz ‘Extra Care Plus’ top-up plan on Finserv Markets, rest assured that your medical costs are taken care of, should your overshoot the sum insured amount of your base health insurance plan. Here's a glimpse of what's covered under this top-up plan.
Our partners, Bajaj Allianz, offer Extra Care Plus top-up plans with sum insured amounts that range from Rs. 3 Lakh – Rs. 50 Lakh. This proves to be especially helpful when your base family health insurance plan falls short.
Certain costs that are part of an organ transplantation are covered by this plan. These include 1 week of hospital stay and 1 month of medicines. Costs related to organ procurement and expenses incurred by the donor are not covered.
Extra Care Plus covers all maternity-related charges. It also takes any expenses that may arise from delivery complications into consideration. However, there is a waiting period of 12 months to avail this benefit.
Costs incurred on availing daycare/hospital facilities are covered. This includes daycare facilities like surgical procedures requiring hospital/daycare, upon admission as an in-patient for less than 24 hrs.
All expenses incurred 60 days before and 90 days after hospitalization are covered under this health insurance top-up plan. This usually includes fees for doctor and nurse’s services, use of ICU and OT, rent for room and charges for purchasing blood, medicine and oxygen.
In the event of an accident, a maximum amount of Rs. 3000 is provided for the use of transportation per valid hospitalization.
Get a free medical check-up up to Rs. 1000 for self and family, once in every three years with Extra Care top-up plan.
Diseases/sickness that are diagnosed during or prior to purchasing of this insurance top-up.
Any disease that is contracted within 30 days of purchasing/starting of the top-up plan.
Any expenses related to pre-& post hospitalization of an organ donor.
Expenses incurred for the treatment of HIV AIDs and other such diseases.
Expenses related to purchase of non-allopathic medicines.
Sickness/Diseases that are caused by consumption of alcohol and intoxicating drugs.
Any surgery that requires joint replacement (except accidents) and have a waiting period of 4 years.
Expenses incurred for cosmetic and aesthetic treatment.
Any expense incurred during dental surgery and doesn’t require hospitalization.
Medical treatment costs for a new-born baby.
Any procedure related to fertility, impotence, sub-fertility, assisted conception, and sterilization.
For the complete list of exclusions, refer to the PDF in the 'Download' section.
Now get yourself and your family covered against health-related uncertainties with this health insurance top-up plan. Get coverage options that range from Rs. 3 Lakh– Rs. 50 Lakh for premiums as low as Rs. 2500 per annum.
If your age is less than 55 years and you have a clean proposal form, there’s no need for any medical tests to be undertaken to avail this health insurance top-up plan. Also, this top-up is available to residents of India and as well as NRI’s.
With age, the chances to getting health insurance coverage gets slimmer. That’s because of the increased chances of health-related risks. Moreover, if one does get health cover options, these are very expensive. With lifetime renewal, one can renew their policy even during old age, without any age restrictions, whatsoever.
Looking to save on taxes? Opt for the Extra Care Plus top-up plan and enjoy tax benefits under section 80 D of the Income Tax Act.
Make the most of a 15-day free look period and enjoy the flexibility to cancel this health insurance add on in case you aren’t convinced of its benefits.
For patients requiring emergency medical assistance outside the city, the option of being air-lifted is available. This is extremely helpful when certain medical facilities in a hospital/city aren’t available and require the patient to be moved to another hospital in a different city.
A customer base of more than 100 million speaks volumes about the trust they have in us. Give us a try and you’re sure to enjoy our services too!
No hassles or long-waits during claim settlement! We promise superfast claim settlement with no third-party involvement.
For claims amounting to Rs. 20,000, make the most of Health CDC (Claim by Direct Click) – our insurance wallet app and get instant settlement.
Looking for plans that cater to specific needs? Well, you are at the right place! With options like lifetime renewal, you get the best customized insurance plans, here.
Now get treated at the more than 6000 empanelled hospitals across India with a sum insured that ranged from 3 Lakh to Rs. 50 Lakh.
Filing claims was never so simple. Just follow these steps and you’re done!
The insurance provider may cancel your insurance policy providing a written notice 15 days prior to cancellation date. If no claim has been made, a refund of the premium for the unexpired policy period shall be provided on a pro-rata basis.
Your insurance policy will be cancelled for reasons such as non-disclosure of material facts, misrepresentation, fraud and non-cooperation.
As a customer, you may cancel your insurance policy by providing a written notice 15 days prior to cancellation date. If you've made no claims, the insurer will refund short-term rates for the unexpired policy period as per the rates detailed below.
|Period of Risk||Premium Refund - 1 Year Policy Period|
|Exceeding 15 days but less than 3 months||65.00%|
|Exceeding 3 months but less than 6 months||45.00%|
|Exceeding 6 months but less than 12 months||00.00%|
|Period of Risk||Premium Refund - 2 Year Policy Period|
|Exceeding 15 days but less than 3 months||75.00%|
|Exceeding 3 months but less than 6 months||65.00%|
|Exceeding 6 months but less than 12 months||45.00%|
|Exceeding 12 months but less than 15 months||30.00%|
|Exceeding 15 months but less than 18 months||20.00%|
|Exceeding 18 months but less than 24 months||00.00%|
|Period of Risk||Premium Refund - 3 Year Policy Period|
|Exceeding 15 days but less than 3 months||80.00%|
|Exceeding 3 months but less than 6 months||75.00%|
|Exceeding 6 months but less than 12 months||60.00%|
|Exceeding 12 months but less than 15 months||50.00%|
|Exceeding 15 months but less than 18 months||45.00%|
|Exceeding 18 months but less than 24 months||30.00%|
|Exceeding 24 months but less than 27 months||20.00%|
|Exceeding 27 months but less than 30 months||15.00%|
|Exceeding 30 months but less than 36 months||00.00%|
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Need further assistance? Reach out on the Toll-Free Number: 1800-209-5858 to connect with an insurance expert.
A basic health insurance plan offers protection for you and your family against financial contingencies that may arise due to medical emergencies. However, what does one do if the sum insured provided gets exhausted? Here’s where an individual Health Top-up plan helps. It acts as a supplement over and above your existing health insurance plan. If you are bound to change your job, a health insurance top-up is a must as it will supplement your savings especially when the costs incurred due to medical treatment are more than your savings.
The term ‘deductible’ refers to the cost/specific amount that a health insurance policy holder must bear as per the policy in question. For example, certain medical equipment used during hospitalization (syringes, gloves for doctors, bed charges) may be categorized as ‘deductibles’ and are not covered by the health insurance policy. These costs are then borne by the policyholder. However, do keep in mind that deductibles do not reduce the sum insured amount of the policy. To help understand this better, here is an example - Rahul opts for a basic plan with a sum insured of Rs. 10 Lakhs. In the same policy year, he makes a claim for Rs. 6 Lakhs. The amount is reimbursed by the insurer while Rahul still has Rs. 4 Lakhs of his sum insured remaining. On the other hand, Raveena opts for a base plan of Rs. 10 Lakh and a top-up plan of Rs. 15 Lakh and a deductible amount that is of Rs. 3 Lakh. She then makes a claim of Rs. 6 Lakh and has Rs. 4 Lakh of the sum insured amount left. This is reimbursed to Raveena. Going forward, she makes another claim of Rs. 7 Lakhs for which Rs. 4 Lakh is reimbursed from the base plan and Rs. 3 Lakh from the health insurance top-up plan. Raveena can still make a claim for Rs. 12 Lakh.
Extra Care Plus Top-up plan provides the following benefits: 1. Coverage of costs in the event of in-patient hospitalization, 2. Pre-& post hospitalization costs (60 days prior and 90 days post-hospitalization), 3. Certain costs related to organ donor procedures, 4. Day care treatment costs, and 5. Coverage of ambulance expenses in the event of road accidents. For a complete list of inclusions and benefits, please refer to the ‘What’s Covered’ section of this page.
The basic eligibility criteria would be your entry age. This should be between 91 days to 80 years. For more information on this, refer to the Eligibility Criteria section of this page.
Yes, you can. Premiums paid for this top-up plan are tax-exempted under section 80D of the Income Tax Act.