We all love a little extra something; whether it is an extra set of helping hands or extra time to complete an exam, it always comes in handy. Our Extra Care Plus plan, a top-up health cover, provides an add-on cover to your existing health insurance policy. It acts like a ‘stepney’ to your health insurance policy after you use up your sum insured limit. Our Extra Care Plus is the top-up health protection your existing health cover needs.
Let’s consider why you might need this additional buffer. Imagine that an unfortunate incident lands you in the hospital. Your basic health policy is only going to cover a limited sum insured, leaving you to fend for funds at the worst possible time.
However, with Extra Care Plus, once your basic medical insurance cover is exhausted, this shield will kick in. It will help you clear the additional bills that your hospitalisation may rake up and pay the expenses incurred above the aggregate deductible opted by you. That’s why this top-up plan is a wise investment.
Also, consider the fact that with rising inflation a basic health insurance cover may not be adequate. Furthermore, a high sum insured may not be affordable. Hence, this policy is the perfect fit for a more expansive health insurance coverage to take care of the rising healthcare expenses. The best part? You don’t even need a basic health insurance plan to buy this policy!
We take your health insurance very seriously and we have years of experience and global knowledge to back us. We ensure that a safe and secure top-up health insurance plan will see you through an unfortunate hospitalisation. Here are the main features of our Extra Care Plus policy:
To know more about our top-up health insurance plans, watch this video:.
Extra Care Plus policy pays the hospitalization expenses incurred above the aggregate deductible opted by you. Let’s consider an example of how this works:
Sum Insured: ₹10 Lakhs, Aggregate Deductible Opted: ₹2 Lakhs
|Claim Details||Date of Hospitalisation||
Total Claim Amount
Payable by insured
(if any) (in Rs)
Payable under Extra
Care Plus Policy (in Rs)
While a free medical check-up is an additional benefit for which aggregate deductible is not applicable, at the end of every continuous period of 3 years during which you hold the Extra Care Plus policy with us, we will reimburse the free medical check-up expenses follows:
**On the health insurance premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60. If the premium paid by an individual is towards health insurance policy for his or her parent who is a senior citizen of age 60 or more, the maximum is capped at Rs 30,000. A taxpayer may, therefore, maximize tax benefit under section 80D to a total of Rs 55,000 if his age is below 60 and parents age is above 60. For those taxpayer individuals who are of age 60 or more and are also paying health insurance premium for their parents, the maximum tax benefit under section 80D would, therefore, be a total of Rs 60,000.
*Health CDC is a feature in the Bajaj Allianz Insurance Wallet App which enables you to raise claim requests up to Rs 20000 through the app. This is the easiest way to make claim requests as you
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
Pre-existing diseases cover
Free health check-up
Maternity expense cover
Pre-existing condition, ailment or injury, which is declared on your proposal form and accepted by...
Any disease contracted and/or medical expenses incurred by you with respect to any disease/illness...
We will not be liable to make any payment under this policy related to maternity expenses within the first...
Any medical expenses incurred due to a newborn baby.
Expenses incurred for dental treatment or surgery of any kind, unless requiring hospitalisation, and as a result of accidental injury to your natural teeth.
Any injuries or medical expenses incurred due to war, invasion, acts of foreign enemies, hostilities...
Pre-existing condition, ailment or injury, which is declared on your proposal form and accepted by us, until 12 months of continuous coverage have elapsed after the date of inception of the first Extra Care Plus policy with us. In case of enhancement of sum insured, this exclusion will apply afresh only to the extent of the amount by which the limit of indemnity has been increased, if the policy is a renewal of the Extra Care Plus policy without a break in cover.
Any disease contracted and/or medical expenses incurred by you with respect to any disease/illness during the first 30 days from the commencement of the policy, except for accidental injuries.
We will not be liable to make any payment under this policy related to maternity expenses within the first 12 months from the date of inception of the first policy with us. However, the 12 months waiting period would not be applicable in case of continuous renewal of Extra Care Plus.
Any injuries or medical expenses incurred due to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority.
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