Bajaj Allianz Extra Care Plus

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Extended coverage at lower premiums

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Maternity cover included

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Free health check-up

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    Up to 60 & 90 days for pre & post hospitalisation expenses

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    Floater policy for dependents

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    Covers maternity including expenses for complications

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Access best in healthcare with Extra Care Plus in a few simple steps!
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All Benefits Covered

Explore the benefits

  • Extra coverage, lower premium

    Covers hospitalisation expenses incurred above a specified deductible, helping to manage substantial medical costs without financial strain with Sum insured options from Rs 3 lakh to Rs 50 lakh.

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    Extra coverage, lower premium

    Covers hospitalisation expenses incurred above a specified deductible, helping to manage substantial medical costs without financial strain with Sum insured options from Rs 3 lakh to Rs 50 lakh.

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  • Preventive Heath Check-Up

    Free preventive health check-up at the end of a continuous period of 3 years during which your Extra Care Plus policy is active.

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    Preventive Heath Check-Up

    Free preventive health check-up at the end of a continuous period of 3 years during which your Extra Care Plus policy is active.

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  • Pre and Post Hospitalisation

    Covers 60 and 90 days of pre and post-hospitalisation expenses, providing extensive protection for the entire treatment process.

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    Pre and Post Hospitalisation

    Covers 60 and 90 days of pre and post-hospitalisation expenses, providing extensive protection for the entire treatment process.

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  • Room Rent Cover

    Choose any category of room you prefer and it is covered in your policy.

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    Room Rent Cover

    Choose any category of room you prefer and it is covered in your policy.

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  • Maternity Expenses

    Covers maternity expenses, including complications.

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    Maternity Expenses

    Covers maternity expenses, including complications.

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  • Ambulance Expenses

    Includes coverage for emergency ambulance services, ensuring transportation costs are covered during emergencies

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    Ambulance Expenses

    Includes coverage for emergency ambulance services, ensuring transportation costs are covered during emergencies

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  • Hassle-free Claim Settlement

    We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process.

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    Hassle-free Claim Settlement

    We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process.

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  • Renewability and Portability

    You can renew your Extra Care Plus policy for your entire lifetime and you can switch your current top-up health insurance to Extra Care Plus and enjoy the available benefits of the policy.

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    Renewability and Portability

    You can renew your Extra Care Plus policy for your entire lifetime and you can switch your current top-up health insurance to Extra Care Plus and enjoy the available benefits of the policy.

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  • Tax Saving

    Avail tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act.*

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    Tax Saving

    Avail tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act.*

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How is Top-Up Insurance Different from a Basic Health Insurance Plan?

Top-Up Insurance differs from a basic health insurance plan in several key ways, primarily regarding coverage and cost structure. While a basic health insurance plan covers medical expenses from the first rupee incurred, a top-up plan provides additional coverage only after a predefined deductible limit is exceeded. This means Top-Up Insurance is activated only when the medical expenses surpass the deductible threshold, which is not true with basic health insurance.

Consequently, top-up plans generally have lower premiums than standard health insurance plans for the sum insured. Top-up policies supplement existing health insurance, offering higher coverage limits and protecting against significant medical costs.

Another difference lies in the range of benefits; top-up plans like Bajaj Allianz’s Extra Care Plus often include coverage for pre-existing diseases after a waiting period, maternity cover, and emergency ambulance services, enhancing overall protection.

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Health Insurance is for everyone

Why is Health plan suited for Everyone?

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  • Budget-friendly Health Insurance Plan
    If you’re working with a tight budget, you can still find affordable health insurance plans that fit your needs. Not only do you get health insurance coverage, but you also enjoy benefits like doctor consultations, lab tests, preventive health check-ups, and instant teleconsultations. Plus, the best part? You can pay for your health insurance in easy EMIs, making it even more manageable!
  • Health Insurance for Young Folks
    If you’re in your 20s, buying health insurance probably isn’t at the top of your to-do list. You feel young and healthy, so you might think it’s unnecessary. But here’s a little secret: getting health insurance while you’re young means lower premiums! That’s right—you’ll pay less and get through the waiting period quicker. This lets you enjoy benefits like maternity care and chronic illness coverage sooner. You’ll also have access to doctor consultations, lab tests, and coverage for injuries, making it easy to claim your expenses!
  • Family First Health Insurance Plans
    When it comes to your family, you want the best for them. A comprehensive family health insurance will take care of your healthcare expenses and needs, and also cover your complete family. Buy it in the form of a family floater plan. With our wholesome health plans, you can avail of health benefits like doctor consultations, lab tests, preventive health check-ups for two people, instant teleconsultations, and health insurance benefits. In short, all regular healthcare expenses and insurance benefits are covered.
  • Health Insurance for Your Parents/Senior Citizens
    Are you feeling concerned about your parents as they age? We totally understand how much you care about their health. To help ease your worries, we’ve created a senior citizen health insurance plan just for them. This plan takes care of regular healthcare expenses like OPD visits, lab tests, preventive check-ups, and quick doctor teleconsultations. So now, you can stop worrying and enjoy peace of mind knowing they’re taken care of!
  • Health Insurance for Fitness Buffs
    Yes, we get it—you’re all about fitness and make careful choices for your health. But even the healthiest among us need health insurance! You might feel like you won’t get sick, but it’s always smart to have a backup plan. After all, illnesses don’t give you a heads-up. With health insurance, you’ll have access to benefits that cater to your everyday healthcare needs, such as doctor visits, routine lab tests, and annual preventive health checks.
  • Health Insurance for the Hotshot Corporate
    You’re doing amazing at work and climbing the corporate ladder, but what about your health? Is your corporate health insurance giving you enough coverage? Consider adding a top-up to your corporate plan for extra benefits that make managing your everyday healthcare a breeze!
  • Employee Health Insurance
    As the HR of a large, multinational company or someone who runs their own company, you must focus on your people first. And to ensure the best for your talent, you need to offer them good healthcare options. You can buy a corporate health insurance policy for your employees that gives them health benefits like doctor consultations, lab tests, preventive health check-ups, and insurance cover.

How to choose the right Top Up Plan for you

  • Assessing the deductible amount

    Choose a deductible that aligns with your existing health insurance coverage or the amount you can comfortably pay out of pocket.

  • Evaluate the sum insured

    Sum Insured that the top-up plan provides has to ensure sufficient coverage for potential medical expenses.

  • Ensure comprehensive protection

    Consider the policy’s inclusions, such as coverage for pre-existing diseases, maternity expenses, and emergency services. It’s also important to review the waiting periods for certain benefits and the age limit for entry without medical check-ups.

  • Compare the premium costs

    Compare premium across different insurers to find a plan that offers the best value for money.

  • Check for additional benefits

    Free preventive health check-ups and tax savings under Section 80D of the Income Tax Act (*Tax benefits are subject to changes in tax laws) are some of the added benefits you can avail.

  • Claim settlement Ratio

    Lastly, consider the insurer’s reputation for claim settlement and customer service.

Testimonials

Hear It From Our Customers

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    ASHISH JHUNJHUNWALA
    My happiness and satisfaction regarding my claim settlement which was approved within 2 days of making my claim, that too in this tough situation of COVID19. I am really grateful to the people of Bajaj insurance, who have been working amid this coronavirus breakout, for their customers and their company. And i feel sure that ‘caringly yours’ is not just the name of the app, but rather its a commitment from you people for your customers.
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    SUNITA M AHOOJA
    Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
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    ARUN SEKHSARIA
    Excellent services in times of covid to your mediclaim cashless customers. U guys also covid warriors helping patients in settling claims in these times everything digitally..kudos..cue to govt insurance companies???
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    PRITHBI SINGH MIYAN
    Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's
Help & Support

FAQs

Need Help? We have detailed out the plan for you. Read our fine prints below for all the details.
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Is top-up health insurance better?
Top-up health insurance can be beneficial as it provides additional coverage beyond the sum insured by a regular health policy, making it a cost-effective way to enhance overall health insurance protection.
Is there a waiting period for a top-up health insurance plan?
Yes, pre-existing diseases are covered after a waiting period of 12 months from the date of policy issuance.
What is a deductible in a top-up plan?
A deductible in a top-up plan is the threshold amount the policyholder must pay out-of-pocket before the Top-Up Insurance begins to cover expenses.
Customer Support

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Our Customer Care Agents are Available to Assist You!
Call us directly
020-61322705
Write to us
bagichelp@bajajallianz.co.in
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