Extra Care
Bajaj Allianz
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Advanced Treatments Coverage
Covers cutting-edge procedures like robotic surgeries, oral chemotherapy, and stem cell therapy, ensuring access to the latest medical advancements without financial burden.
Room Rent (Normal & ICU)
Covers normal room charges up to the sum insured and actual ICU expenses as billed by the hospital, ensuring financial relief for hospitalization.
Policy Wording
Brochure
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Our Verdict
The Bajaj Allianz Extra Care Policy provides additional coverage beyond existing health plans at affordable premiums, ideal for those seeking enhanced protection without higher costs, with tax-saving benefits as well.
About the Plan
Bajaj Allianz's Extra Care Policy is a top-up health insurance plan designed to provide additional financial protection beyond your existing health coverage. It offers higher sum insured options at affordable premiums, ensuring that substantial medical expenses don't strain your finances. The policy covers in-patient hospitalization costs, pre- and post-hospitalization expenses, and daycare treatments. Notably, it includes coverage for pre-existing diseases after a specified waiting period. Additionally, policyholders can benefit from tax deductions under Section 80D of the Income Tax Act for the premiums paid. This plan is ideal for individuals seeking to enhance their health insurance coverage without incurring significantly higher premiums.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Up to Sum Insured
ICU: Pay up to actual ICU expenses provided by the Hospital.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy
Co-payment
Mandatory co-payment of around 20% for each claim.
Waiting Periods
Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:
Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:
Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Cashless Healthcare Providers
18,400+ Network Hospitals across India.
Day Care Treatments
Covers treatment or surgery that requires less than 24 hours hospitalization
AYUSH Treatment
Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.
Exclusions
War-related events, including invasion, civil war, and insurrection.
Cosmetic or plastic surgery, unless required due to accidental injury.
Expenses for contact lenses, spectacles, hearing aids, and other external devices.
Dental treatments, unless necessitated by accidental injury.
Treatment of congenital diseases or anomalies.
Intentional self-injury, suicide, or attempted suicide.
HIV/AIDS and sexually transmitted diseases.
Hospitalization primarily for diagnostic purposes.
Treatment related to pregnancy and childbirth, except ectopic pregnancy.
Inoculations or vaccinations, unless post-animal bite.
Nutritional supplements not prescribed as part of treatment.
Infertility or sub-fertility treatments.
Alternative treatments like Ayurveda, Homeopathy, or Unani.
Exclusions
Tax Savings - Premiums may be eligible for tax deductions under Section 80D of the Income Tax Act.
Add-ons
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About the Company
Bajaj Allianz General Insurance Company Limited is a joint venture between Allianz SE, a leading global insurer, and Bajaj Finserv Limited. Established in 2001, the company received its registration from the Insurance Regulatory and Development Authority of India (IRDAI) on May 2, 2001, to conduct general insurance business in India.
Headquartered in Pune, Maharashtra, Bajaj Allianz offers a comprehensive range of insurance products, including motor, health, travel, home, cyber, and commercial insurance, catering to individuals, businesses, and communities. Over the years, the company has expanded its presence across approximately 950 towns in India, making it one of the largest private insurers in the country.
Bajaj Allianz has received several accolades, including being adjudged as the "Best General Insurance Company in the Private Sector" by ABP News - Banking, Financial Services Awards in 2014.The company's vision emphasizes being the first choice insurer for customers by delivering innovative solutions and seamless experiences
About the Company
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