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With the rise in medical costs, your existing health insurance plan may not suffice for the expenses occurring due to illness or accidents. As medical expenses increase, you m y find that your primary health insurance is no longer sufficient for your needs. A complicated medical condition can consume your entire health insurance cover in one go. Hence, it is ideal to opt for a top-up plan that comes in handy during medical emergencies and offers extra care and protection.
Our Extra Care top-up health insurance policy takes care of the expenses caused due to hospitalisation and medical treatments. This policy extends your health insurance cover and ensures that you are financially secure even if your base medical insurance policy runs out.
Our Extra Care policy provides extra protection with the following features:
Top-up cover
This is an add-on plan that enhances your regular health insurance coverage.
Floater option
Single premium and sum insured for your entire family. Self, spouse, maximum 3 children and parents can be covered under the family floater option.
Wide range of age group
This policy covers members between 3 months to 70 years of age.
No medical tests
Under this policy, pre-medical tests are not required up to 55 years of age, subject to a clean proposal form.
Ambulance cover
This policy provides emergency ambulance cover up to Rs 3,000.
Pre and post hospitalisation cover
This policy covers Pre pre hospitalisation expenses up to 30 days and post hospitalisation expenses up to 60 days.
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, follow the steps given below:
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 policy offers additional coverage for people who have an existing health insurance plan or mediclaim policy. However, you can also buy it as an independent cover even if you are not insured by a medical insurance plan.
The eligibility criteria for Extra Care policy is given below:
Entry age for proposer is 18 years to 70 years. The policy can be renewed for a lifetime.
Children from 3 months to 5 years can be covered, if both parents are insured with us.
Children from 6 years to 18 years can be covered, if both parents are insured with us.
Children from 18 years to 25 years can be covered as self-proposer or dependents.
Yes, you can purchase the Extra Care policy even if you are not insured with a medical insurance plan. However, the expenses up to the deductible limit, per hospitalisation, will have to be borne by you.
Bajaj Allianz Extra Care policy helps you save tax up to Rs 1 lakh under Section 80D of the Income Tax Act against the premiums you pay. Here’s how you can save tax:
On the premium you pay 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.
Deductible means the amount stated in your policy that will be borne by you with respect to each and every hospitalisation claim made within the policy period. Our liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalisation would be considered as a separate claim (except relapse within 45 days, which will be treated as the same claim).
Deductible Table
Sum insured (in Rs) |
Deductible Amount (in Rs) |
10 lakh |
3 lakh |
12 lakh |
4 lakh |
15 lakh |
5 lakh |
If the claim amount is more than the deductible, the amount above the deductible amount will be payable up to the sum insured you have opted for.
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...
Secure yourself with Extra Care policy and never worry about your medical expenses again.
Waiver of medical test up to 55 years of age.
This policy offers affordable premium rates starting from Rs 2,500.
You can renew your Extra Care policy for your entire lifetime.
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process.
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.
Avail income tax benefit under Section 80D of the Income Tax Act. * Read more
Tax saving
Avail income tax benefit under Section 80D of the Income Tax Act. *
*On opting for Extra Care 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.
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Hassle Free through web with all option we can review while taking policy.
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Easiest for anyone, no hassle, no confusion. Great work. Good luck.
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TLoved the online policy facility of Bajaj Allianz
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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.
Written By : Bajaj Allianz - Updated: 1st March 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.
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