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Top Up Health Insurance: Extra Care Plus Policy

Top-up health insurance policy

Add-on health insurance plan
Extra care plus top up health insurance policy

Top-up health protection for extra coverage

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What’s in it for you?

 Cover 09 plans/options with Health Prime Rider

Sum Insured Index Sum Insured

Sum insured options from Rs 3 lakh to Rs 50 lakh. 

Free health check-up

Maternity Expenses

Maternity cover

What is the Top-Up Health Insurance Plan?

A Top-Up Health Insurance Plan provides additional coverage once expenses exceed a specified deductible, unlike standard policies that cover costs from the first rupee. It is ideal for those with existing health insurance seeking higher coverage without significantly higher premiums. For example, Bajaj Allianz's Extra Care Plus offers extensive coverage for hospitalisation, pre-existing diseases, and maternity expenses without requiring a pre-policy medical check-up for individuals up to 55 years old.

How Does Top-Up Health Insurance Work?

Top-Up Health Insurance Policy provides additional coverage once medical expenses exceed a specified deductible. This deductible must be paid out of pocket or via an existing health plan. Top-up policies are cost-effective, offering higher coverage at lower premiums than standard policies. After the deductible is met, Bajaj Allianz’s Extra Care Plus covers extensive healthcare costs, including pre and post-hospitalisation, daycare procedures, and emergency ambulance services.

Key Features of Top-Up Health Insurance Policy

The best health insurance top-up plan in India comes with several key features designed to provide comprehensive coverage beyond the limits of basic health insurance plans:

  • Coverage of Hospitalisation Expenses: Covers hospitalisation expenses incurred above a specified deductible, helping to manage substantial medical costs without financial strain.
  • Pre-Existing Diseases: Includes coverage for pre-existing diseases after a waiting period, ensuring chronic conditions are covered.
  • Maternity Cover: Offers maternity cover, including complications, ensuring comprehensive protection for pregnancy-related expenses.
  • Emergency Ambulance Services: Includes coverage for emergency ambulance services, ensuring transportation costs are covered during emergencies.
  • Floater Coverage: Often provides floater coverage for the entire family, making it suitable for households seeking extensive protection.
  • Entry Age: Typically accommodates entry age up to 80 years, making it inclusive for senior citizens.

Extra care and protection with our top-up health insurance plans!

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No medical tests needed up to 55 yrs of age.

That’s not all, here are additional benefits with your Extra Care Plus policy

We provide extensive medical coverage along with other benefits:
Tax saving

Tax saving

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.

Hassle-free claim settlement

Hassle-free claim settlement

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 8,600+ 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. 

Renewability

Renewability

You can renew your Extra Care Plus policy for your entire lifetime.

Portability benefit

Portability benefit

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.

Preventive health check-up

Preventive health 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.

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 same 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

How to Select a Top-Up Health Insurance Plan?

Selecting a top-up health insurance plan involves several critical considerations to ensure it meets your healthcare needs and financial capabilities:

  • Start by 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.
  • Next, evaluate the sum insured the top-up plan provides to ensure sufficient coverage for potential medical expenses.
  • To 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 across different insurers to find a plan that offers the best value for money. Check for additional benefits like 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
  • Lastly, consider the insurer’s reputation for claim settlement and customer service.

Why Choose Bajaj Allianz Extra Care Plus Policy?

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!

Important points to note before buying Extra Care Plus policy

  • Inclusions

  • Exclusions

Pre-existing diseases cover

Pre-existing diseases covered after 12 months from the date of policy issuance.

Free health check-up

Free health check-up available during policy renewal.

Maternity expense cover

Covers maternity expenses, including complications.

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We are not liable for a claim(s) amount falling within the aggregate deductible limit as opted for and mentioned in the policy.

Pre-existing condition, ailment or injury, which is declared on your proposal form and accepted by...

Read more

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...

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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...

Read more

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 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 more

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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FAQ's

FAQ's

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.

Can I buy a Top-Up Insurance plan if I do not have a regular health policy?

Yes, a Top-Up Insurance plan can be purchased independently, providing additional health coverage even if you do not have a regular health policy.

Why are top-up plans cheaper?

Top-up plans are cheaper because they only take effect after a certain deductible is met, which lowers the insurer's risk and reduces the policyholder's premium costs.

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Customer Reviews & Ratings

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The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

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Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

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Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

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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.

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.

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