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Extra Care

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Key Features

  • Can be taken as an add on to your existing health policy
  • Tax saving under Sec 80D
  • Ambulance Charges up to Rs.3000/- per hospitalization
  • Covers pre and post hospitalization expenses for 60 and 90 days respectively
  • Competitive premium rates

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Individual Health Guard

Extra Care: Extend your Health insurance cover

With the rise in medical costs, chances are that 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.

Why Health Insurance?

Why Health Insurance?

What our customers say about us!


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.
  • Continuity for waiting periods will be given for any policy at any sum insured.

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

Value Added Service

Value added services

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.

Extend Your Health Insurance Coverage with Extra Care

Extend Your Health Insurance Coverage with Extra Care

Save Tax with 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.25000 on health insurance premium paid. The exemption limits are as follows:

Members Details Tax Benefit
For Family Rs-25000/-
For Family + parents (Or Only Parents-below 60 years of age) Rs-50000/-
For Family + senior citizen parents (above 60 years of age) Rs- 55000/-
However, there are a few conditions:
  • Except cash, any mode of payment is acceptable for claiming tax benefit.
  • The health insurance premium must be paid from your taxable income of that year only if you want to claim a deduction.
*Tax benefits are subject to changes in tax laws.

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.

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.

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.


Customer Reviews

4.29
Average Rating
Based on 280 Ratings
5 star
139
4 star
101
3 star
28
2 star
6
1 star
6
  • Shirish Sadashiv Deshpande

    29 Dec 2015

    VERY NICE RESPONSE
  • P Jagannathan

    17 Dec 2015

    GOOD

Frequently Asked Questions / Quick links

Help and Support
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The hospitals which have a tie up with your insurer would come under the category of network hospital. The network hospital provides cashless facilities to the insured on approval by the insurer.

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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 ...

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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,

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* 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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