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Bajaj Allianz Extra Care Plus Health Insurance

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Bajaj Allianz Health Insurance
Extra Care Plus
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Extra Care Plus Health Insurance

Extra Care Plus Policy is a super top-up policy that takes care of higher medical expenses as an additional cover to your existing health insurance policy thereby providing higher protection to you and your family. Under the policy, you can include yourself, your legally wedded spouse, dependent children, and dependent parents. A maximum of six members can be included under the policy. You can be covered under this policy if you are aged between 91 days and 80 years, in which the minimum and maximum entry age for dependent children is 3 months and 25 years. As it is a super top-up policy, it comes with a wide range of deductible as well as sum insured options. One of the policy highlights is that it does not require you to undergo a pre-policy medical check-up if you are aged below 55 years and if you do not have any medical history.

The sum insured and deductible options under this Bajaj Allianz policy range between Rs. 3 Lakh and 50 Lakh and 2 Lakh and Rs. 10 Lakh which you can choose as per your requirements and budget. Such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, emergency road ambulance cover, free health check-up, maternity expenses, daycare expenses, air ambulance expenses, and pre-existing cover, modern treatments, etc. Apart from these benefits, the policy also comes with an add-on benefit of air ambulance cover which you can purchase by paying an additional premium. To sum up, the policy offers affordable and wider insurance cover to take care of rising healthcare expenses.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses for up to 60 and 90 days respectively
  • Daycare treatments
  • Road ambulance expenses
  • Organ donor expenses for up to Rs. 3,000 is covered

What's Not Included

  • Any medical expenses of the newborn baby
  • Dental treatment or surgery unless requiring hospitalisation due to accidental injury
  • Rest, cure, rehabilitation, and respite care
  • Change of gender treatments
  • Hospitalisation for investigation and evaluation purpose

5639 Bajaj Allianz Cashless Network Hospitals in India

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Extra Care Plus User Reviews

4.7
Rating based on
298 User reviews
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What users are saying
  • All
  • Really helpful to me

    Thanks to InsuranceDekho that i have an extended cover on my policy. My benefits include in-patient hospitalisation expenses, pre and post hospitalisation costs, daycare treatment, and others. What is best is that other than me, my wife, children and parents are also covered under this plan. Good job done by bajaj!

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    N
    By Nihar Singh
    On: Feb 26, 2020
  • Extra care plus is a good plan

    I am not a new customer to bajaj allianz. Let me tell you that this plan has been very helpful for me in enhancing my existing policy. With it, i will be able to manage my additional expenses due to illness or accidents in any takes place. It has come with a reasonable premium rate, so i am happy. 

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    J
    By Jagat Pratap Singh
    On: Feb 19, 2020
  • Finally a nice policy option

    It has been a long time that i was looking for a good top up plan. Thanks to you insurancedekho team that i was able to buy this plan without any issues. I recommend this plan to fellow customers. With this plan, you will get benefits like in-patient hospitalisation, pre and post hospitalisation, maternity costs including complications of maternity and more at less premium. 

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    N
    By Nitin Misra
    On: Feb 13, 2020
  • Great purchase

    From the day i have purchased this policy, i have recommended it to many people. The benefits attached are in-patient hospitalisation cover, pre and post hospitalisation expenses, maternity costs including complications of maternity, no medical test up to 55 years of age. Overall, the plan is worth the money invested. 

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    B
    By Bhupendra Bassi
    On: Feb 07, 2020
  • Perfect name given to this pla...

    I want to thank insurancedekho and bajaj allianz for this plan. This policy is true to its name extra care plus as it really helps you on an additional level. Benefits offered include in-patient hospitalisation expenses, pre and post hospitalisation costs, daycare treatment, pregnancy, childbirth or medically recommended and lawful termination of pregnancy. I liked this plan very much. 

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    G
    By Guarang
    On: Feb 06, 2020
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Add-ons to Enhance Benefits

  • Air Ambulance Cover

    With this add-on cover, you can seek cover for the expenses arising due to ambulance transportation in an airplane or helicopter for quick transportation from the site of illness or accident to the nearest hospital during the policy term. It may be required in life-threatening emergency situations if the hospital claim is admissible under the policy. Under the policy, the claim will be reimbursed up to the actual expenses subject to a maximum limit as specified in the policy document.

Bajaj Allianz Extra Care Plus Expert Review

  • Expert Review

    This Super Top Up plan known as Extra Care Plus Policy, is widely appreciated and determined to deliver care for as many people as possible by offering the entry to people from the age of 3 months to 80 years, that too with lifetime renewability option. With the sum insured range from Rs. 3 Lakh to Rs. 50 Lakh, this policy gives policyholders enough coverage, which is affordable and abundant. Although it is an annual policy and needed to be renewed every year, it doesn’t ask for any medical tests up to 55 years for coverage. 
     
    The scheme is equipped with several features as well such as pre and post hospitalisation expenses, in-patient medical expenses, daycare procedures, maternity expenses, organ donor cover, and so on. These benefits together enhance its value among the people. In addition to these, the plan also provides an optional cover for air ambulance expenses, which could be a choice for many. However, these many elements together makes this super top-up policy a super-family policy too. This super top-up plan can easily provide proper coverage to families, which makes it a widely appreciated health insurance plan.

  • Major Attractions

    The Extra Care Plus Policy tends to provide as bigger medical coverage as possible to its policyholders, so as to keep customers happy and satisfied. Following are the components that make this plan value for money product:

    • In-patient treatment expenses
    • Pre and post hospitalisation costs
    • Organ donor expenses are covered 
    • Coverage for maternity cover is given
    • Cover for ambulance expenses is provided 
    • Sum insured enhancement at the renewal
    • Coverage for daycare procedure is available
    • A medical check-up is provided for up to Rs. 2000 

  • What’s More?

    The Extra Care Plus Policy provides a bunch of benefits through features and optional covers. These together indulge in helping one escape from severe financial crunches in life. The additional components enhance the value of this plan before the policyholders, which ultimately make it renowned in the market. Here is a checklist of those features:

    • The option of portability is available 
    • 15 days free look period is available  
    • A grace period of 30 days is applicable
    • Tax benefits can be gained on the premium

  • Conclusion

    This Extra Care Plus Policy offer a bigger plan coverage and better value for money features. It always tries to deliver its customers both of these components, which eventually turns it into a great choice for every family.
     
    If you are buying this plan, purchase it from insurancedekho.com. The InsuranceDekho team will surely make your buying experience simple and flawless. They are keen in offering their customers their support at all times with commitment and dedication.

Bajaj Allianz Extra Care Plus Brochure

  • 288.92 KB
  • PDF Document
  • Oct 17, 2019
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Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Extra Care Plus Health Insurance Plan

  • What are the sum insured options available under this Extra Care Plus Policy?

    The sum insured options offered under this policy are Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh. Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh and Rs. 50 Lakh.  

  • What are the aggregate deductible options available under this plan?

    The aggregate deductible options available are Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh. 

  • What are the minimum and maximum entry age applicable under this plan?

    The minimum and maximum entry age under this plan by Bajaj Allianz are 18 years and 80 years, respectively, although the minimum and maximum entry ages of the dependent children are 3 months and 25 years.

  • Who all can be covered under this health insurance plan?

    Self, spouse, dependent children, dependent parents can be covered under this policy. However, in total, a maximum of 6 members can get the coverage under this single floater policy.

  • Are maternity-related expenses get covered under this Extra Care Plus Policy?

    Yes, the plan will be paying for the medical expenses pertaining to pregnancy, childbirth or medically certified and lawful termination of pregnancy. This coverage is limited to a maximum of 2 deliveries or termination(s) or either, during the lifetime of the insured person.

  • Does this Extra Care Plus Policy offer any ambulance cover to its policyholder?

    Yes, if a claim under medical expenses is accepted, the insured person will be paid with the ambulance costs up to a maximum of Rs. 3000 per valid hospitalisation claim for transferring the insured person to the hospital.

  • Can I avail the required medical treatment outside India under this policy?

    No. This policy does not cover you for medical treatment availed outside the geographical boundaries of India.

  • What is the policy period or coverage term applicable under this plan?

    This is an annual policy, which means it has a policy period or coverage term of 1 year and is required to be renewed every year. 

  • Does Extra Care Plus Policy offer any optional cover for its policyholders?

    Yes, the Extra Care Plus Policy extends its limit to pay for the costs incurred in the ambulance transportation in an aeroplane or helicopter for rapid ambulance transportation from the site of illness or accident to the nearest hospital during the policy period in emergency life-threatening health conditions. 

  • What are the waiting periods under this policy?

    Bajaj Allianz Extra Care Policy comes with the following waiting periods: 

    • Waiting period for pre-existing diseases: 12 months
    • Initial waiting period: 30 days
    • Waiting period for maternity expenses: 12 months
    • Waiting period for specific diseases or procedures: 12 months 
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