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Bajaj Allianz Extra Care Plan

What is the Plan all About?

With the continuous rising of the medical costs , it may happen that your existing health insurance coverage may fall short as per the medical inflation scenario. Bajaj Allianz extra care top up health plan which is an additional cover that ensures that you do not fall short of money in case of hospitalization and get your treatment with minimal worries.

This plan has 3 variants as per the sum insured and deductible opted which are:

  • Pan A
  • Plan B
  • Plan C

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Key Features

  • Takes care of aggravated hospitalization expenses
  • Additional Coverage at economical cost
  • Can be opted as an add on with any health policy
  • No medical test upto 55 years of age
  • Quick claim settlement

Policy Benefits

  • Medical expenses are covered upto the opted sum insured in excess of the deductible amount.
  • Pre & Post hospitalization expenses are covered upto 60 days prior to hospitalization and 90 days after hospitalization respectively.
  • Ambulance service charges are covered under this plan upto the specified sublimit.

Value Added Benefits

  • Floater policy with single premium for the family,
  • Continuity of waiting periods given as per the basic hospitalization policy.
  • Waiver of medical tests upto 55 years of age.
  • Dependent parents can be covered too under this policy, Co. will issue a separate policy for it.
  • Enhancement of sum insured can be done at the renewal.

Sub Limits

  • Ambulance charges covered upto Rs 3,000 per hospitalization.
  • Deductible opted will be borne by the insured for the admissible claim and deductible would be applied fresh for each claim.

Waiting Period Clause

  • Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
  • Specific Waiting Period: Some treatments as specified in the policy contract are covered after 2 years of continuous policy years.
  • Pre existing Disease Waiting Period: Any pre-existing ailment is covered after 4 years of continuous policy coverage.
  • Joint replacement surgery (other than due to accidents) shall have a waiting period of 4 years before it is covered.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Child:3 Months Adult: 70 Years, Child: 25 Years
Sum Assured 10 Lacs 15 Lacs
Deductible 3 Lacs 5 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Nil -

Exclusions

  • Non Allopathic Treatment
  • Convalescence Benefit
  • OPD Treatment
  • Expenses attributable to self inflicted injury
  • Medical treatment expenses for treating AIDS
  • Childbirth related expenses
  • Cost of dental treatment, etc.