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What’s in it for you?
Cover 09 plans/options with Health Prime Rider
Sum insured options from Rs 3 lakh to Rs 50 lakh.
Free health check-up
Maternity cover
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.
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.
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:
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.
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 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.
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.
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
Selecting a top-up health insurance plan involves several critical considerations to ensure it meets your healthcare needs and financial capabilities:
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!
Pre-existing diseases covered after 12 months from the date of policy issuance.
Free health check-up available during policy renewal.
Covers maternity expenses, including complications.
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 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.
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.
Yes, pre-existing diseases are covered after a waiting period of 12 months from the date of policy issuance.
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.
Yes, a Top-Up Insurance plan can be purchased independently, providing additional health coverage even if you do not have a regular health policy.
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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(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.
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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.
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