Respect Senior Care Rider: 9152007550 (Missed call)
Sales: 1800-209-0144
Service Chat: +91 75072 45858
Thank you for visiting our website.
For any assistance please call on 1800-209-0144
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:
Top-up health policy
Opt from a wide range of sum insured and aggregate deductible options available under the Extra Care Plus policy.
Pre-existing diseases cover
Pre-existing diseases covered after 12 months from your first Extra Care Plus policy.
Maternity cover
Maternity expenses including maternity-related complications are covered under the policy, subject to terms and conditions.
Sum Insured: Rs 10 lakh, Aggregate Deductible Opted: Rs 2 lakh |
||||||
Claim Details |
Date of Hospitalisation |
Total Claim Amount |
Deductible Utilisation |
Balance Deductible |
Payable by insured |
Payable under Extra Care Plus Policy (in Rs) |
Claim 1 |
10-Aug-2017 |
1.5 lakh |
1.5 lakh |
50,000 |
1.5 lakh |
0 |
Claim 2 |
10-Sep-2017 |
3 lakh |
50,000 |
0 |
50,000 |
2.5 lakh |
Claim 3 |
10-Oct-2017 |
7.5 lakh |
0 |
0 |
0 |
7.5 lakh |
Pre and post hospitalisation cover
This policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.
Emergency ambulance cover
Avail emergency ambulance cover up to Rs 3,000 per claim. You can also opt for an air ambulance cover as an add-on.
Floater cover for entire family
Covers your spouse, dependent children and parents under a single policy.
Entry age up to 80 years
With the extended age limit, the policy can cover members up to 80 years of age.
No pre-policy check-up up to 55 years
This policy requires a pre-policy health check-up only for members above the age of 55 years.
Daycare procedures cover
This policy covers medical expenses incurred during the treatment of listed daycare procedures or surgeries.
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:
View exampleSum Insured: ₹10 Lakhs, Aggregate Deductible Opted: ₹2 Lakhs
Claim Details | Date of Hospitalisation | Total Claim Amount (in Rs) |
Deductible Utilisation (in Rs) |
Balance Deductible (in Rs) |
Payable by insured (if any) (in Rs) |
Payable under Extra Care Plus Policy (in Rs) |
---|---|---|---|---|---|---|
Claim 1 | 10-Aug-2017 | 1,50,000 | 1,50,000 | 50,000 | 0 | |
Claim 2 | 10-Sep-2017 | 3,00,000 | 50,000 | 0 | 1,50,000 | 2,50,000 |
Claim 3 | 10-Oct-2017 | 7,50,000 | 0 | 0 | 50,000 | 7,50,000 |
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
Cashless facility at network hospitals is available 24x7, throughout the year without any interruption in service. You must check the hospital list before getting admitted to the hospital. Hospitals that provide cashless settlement are liable to change their policy without notice. The updated list is available on our website and with our call centre. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.
When you are opting for cashless claims, the process is as follows:
Important points to note:
Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.
Documents required for reimbursement claim
All original claim documents need to be submitted to the following address:
Health Administration Team
Bajaj Allianz House, Airport Road, Yerawada, Pune-411006
Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.
Note: Keep a photocopy of the documents and courier reference number for your records.
A top-up health insurance policy is an additional coverage for those who are already insured by a health insurance plan or mediclaim policy. Nonetheless, you can opt for our Extra Care Plus policy even if you are not insured by a primary medical insurance plan.
It’s human tendency to take extra care of all the things we love; what with double lining delicate items with bubble wrap, baby-proofing homes, etc. So, why not take an extra measure for your healthcare as well?
You might assume that your existing health insurance coverage is sufficient for all your health-related needs but what if the coverage offered is not able to meet your medical bills? Your present cover may be sufficient to pay for minor illnesses but it may not be enough in the event of a bigger medical emergency. Our Extra Care Plus policy is a top-up health insurance that plays a crucial part in covering your excess medical expenses and protects your savings.
With Bajaj Allianz’s Extra Care Plus policy, you enjoy the following coverage:
Yes, the premium paid for Extra Care Plus top-up plan is exempted under Section 80D of the Income Tax Act.
The Health Administration Team comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is a single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues related to health insurance customers and ensures faster claim settlement as a single point of contact.
My happiness and satisfaction regarding my claim settlement which was approved within 2 days...
Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...
Extra care and protection with our top-up health insurance plans!
Get a QuoteNo medical tests needed up to 55 yrs of age.
Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act.* Read more
Tax saving
Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act.*
*On opting for Extra Care Plus policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process... Read more
Hassle-free claim settlement
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.
You can renew your Extra Care Plus policy for your entire lifetime.
If you are insured under any top-up health insurance plan, you can switch to our Extra Care Plus policy with... Read more
Portability benefit
If you are insured under any top-up health insurance plan, you can switch to our Extra Care Plus policy with your accrued benefits (after due allowances for waiting periods) and enjoy the available benefits of the policy.
Free preventive health check-up at the end of a continuous period of 3 years during which your Extra Care Plus policy is active.
Pre-existing condition, ailment or injury, which is declared on your proposal form and accepted by...
Read morePre-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...
Read moreAny 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...
Read moreWe 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 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...
Read moreAny 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.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
(Based on 3,912 reviews & ratings)
Rama Anil Mate
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Suresh Kadu
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Ajay Bindra
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.
Request Call Back
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Written By: Bajaj Allianz - Updated: 16th May 2022
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Please enter valid quote reference ID