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Extra Care

     

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Extra Care: Extend Your Health Insurance

If the sum insured of your existing health insurance plan does not suffice for expenses due to illness or accidents, the Extra Care health insurance policy takes care of the additional hospitalization expenses.

As health expenses increase, you may find that your base health insurance is no longer sufficient for your needs. A serious illness or accident can require long term care and complicated treatment that can quickly become expensive and exhaust your health cover. What do you do then? Bajaj Allianz Extra Care extends your health insurance cover that ensures you do not run short of money if your health insurance policy runs out. Secure yourself with Extra Care and never worry about medical expenses again.

Waiver of medicals for clean proposals for Extra Care

  • Applicable for proposals without any adverse health conditions
  • Age up to 65 yrs
  • Sum Insured 10 lacs - 15 lacs
  • Waiver of medicals if the above criteria is fulfilled
  • Not applicable for renewal policies

Why Health Insurance?

Why Health Insurance?

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No Fine-print
What Coverages Do I Get?

  • Medical Expenses: Covered upto the sum insured
  • Ambulance Charges: Up to Rs.3000/-.
  • Pre and Post Hospitalisation: Upto 60 and 90 days respectively.
  • Waiver for Pre-existing Diseases: After 4 years of continuous policy.
  • Floater Policy (upto 3 Children): Single sum insured for the whole family.
  • Continuity: Continuity for waiting periods will be given for any policy at any sum insured.
  • Pre-Acceptance Medical Test: No test till 55 years of age for clean proposals.
  • Entry Age 3 months-70 years: Renewable for lifetime.
  • Affordable Premium: Starting at Rs.2500/-.

Why should I buy Extra Care?

  • To take care of the increase in hospitalization expenses.
  • To be prepared for any serious long-term illness.
  • It is an additional cover over and above the existing cover.
  • The premiums are reasonable as compared to the covered sum insured.
  • The waiting periods and exclusions are as per the base policy.
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What are Value Added Services (VAS)?

Value Added Services refers to advanced and/or additional services given to customers. You can save upto 30% on Medicine,OPD expenses and more value added services *

A Bajaj Allianz Health Card makes you eligible for a number of discounts at health and fitness centers across the country.

  • OPD discounts at select outlets.
  • Discounts on Pathologies at select outlets.
  • Discount on Radiology at select outlets.
  • Discounts on Wellness Test at select outlets.
  • Discounts on Pharmacy.
  • Many more lucrative health related offers at select outlets.

Click here to Learn more

Savings with Health Insurance Policy

Value added services

To learn more about Value Added Services
click here

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That's not all
What Benefits Do I Get?

  • Can be taken as an add-on policy with any health insurance policy.
  • Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
  • Premium starting at Rs.2500 p.a with sum insured options of Rs.10, 12 or 15 lakhs.
  • This is a floater policy; thus there will be a single sum insured and single premium for the whole family.
  • Competitive premium rates.
  • No medical tests up to 55 years of age, subject to a clean proposal form.
  • If would not satisfied with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
  • Due to unavoidable reasons, sometimes dates get pushed back a little. That's why you now have a grace period of 30 days for renewing your existing Bajaj Allianz policy. The policy will be considered as continuous.
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy.
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You Can Also
Save Tax with Health Insurance

  • You can avail an annual deduction of Rs.15000 from taxable income for extra care premium paid for self and dependents. 'Dependents' in this case, refers to spouse and children.
  • If you are paying the premium for your parents', i.e buying extra care for your parents and your parents are senior citizens (aged 60 years and above), you can claim an additional tax benefit of up to Rs.20000 under the provisions of Section 80D.
  • So you can avail an annual deduction of upto Rs. 35000 from taxable income for paying premium of extra care*.
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Know more
Am I Eligible For It?

  • Age of entry for proposer is 18 years to 70 Years; Renewable for lifetime.
  • Children from 3 months to 5 years can be covered if both the parents are insured with us.
  • Children from 6 years to 18 years can be covered if either of the parents is covered with us.
  • Children from 18 years to 25 years can be covered as self-proposer or as dependents.
  • The primary member or the proposer can cover self, spouse and 3 children under this policy
  • Dependent parents can also be covered under this policy, separate policy would be issued to the parents.
  • The premium would be calculated as per the highest age of the family member.
  • Members covered under medical expenses (hospitalization) policy. This policy covers the medical expenses in excess of the specified deductible amount.
  • Members who do not have any health policy can also opt for this policy; the expenses up to the deductible limit (per hospitalization) would have to be borne by the member.
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No fine-print
Are There Any Exclusions?

  • All diseases/illnesses existing prior to or at the time of proposing this insurance for a period of 4 years.
  • Any diseases contracted during the first 30 days of inception of the policy.
  • Congenital diseases and disorders.
  • Non-allopathic medicine.
  • Joint replacement surgeries other than due to accident would have a waiting period of 4 years.
  • All expenses arising out of AIDS and related diseases.
  • Cosmetic and aesthetic treatments.
  • Use of intoxicating drugs or alcohol.
  • Any fertility, sub-fertility, impotence, assisted conception operation, or sterilization procedure.
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Know more
Deductible

Deductible means the amount stated in the schedule which shall be borne by the insured with respect to each and every hospitalization claim incurred within the policy period. The company's liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalization would be considered as a separate claim. (Except relapse within 45 days, which will be treated as the same claim.)

Deductible Table

Sum insured Deductible Amount
10 lakh 3 lakh
12 lakh 4 lakh
15 lakh 5 lakh

If the claim amount is more than the deductible, the amount above the deductible amount will be payable up to the sum insured you have opted for.

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What are people saying?
Customer Reviews

The above brochure is applicable for policies in-force from 1 October 2013 onwards. Customers with policies dated 30 September 2013 and before, please click here

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Frequently Asked Questions and Support

Help and Support

   
Tips for choosing the right Health Insurance plan Tips for choosing the right Health Insurance plan
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Help and Support

   
What is the tax benefit available on purchase of Health Insurance? What is the tax benefit available on purchase of Health Insurance?
It's common knowledge that buying health insurance helps you to save tax. Under Section 80D of the Income Tax Act 1961, you can get a maximum tax benefit of Rs.15000 on health Read Now...
   
Your Health Insurance Claim Status is Just an SMS Away! Your Health Insurance Claim Status is Just an SMS Away!
At Bajaj Allianz, we are always working on new and better ways to make our customers' lives easier! With this in view, Read Now...
* Based on survey conducted in May '13; Participant age group - 18 - 45+ yrs, Source: LinkedIn Poll.
* * The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.
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Disclaimer

Notwithstanding my telephone/mobile is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me.

 
   
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