Bajaj Allianz Extra Care Plus Plan
Bajaj Allianz
6.6/10
OneAssure Rating
6.6/10
OneAssure Rating
Highlighted Features
Co-Payment
Bajaj Extra Care Plus includes a co-payment clause where the policyholder must bear 20% of each claim amount. This applies to all admissible claims, ensuring shared responsibility while keeping premiums affordable.
Advanced Treatments
Covers cutting-edge procedures like robotic surgeries, stem cell therapy, oral chemotherapy, immunotherapy, stereotactic radio surgeries, and bronchial thermoplasty, ensuring access to essential and modern medical care.
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Our Verdict
Bajaj Allianz Extra Care Plus offers additional coverage once your base policy is exhausted, with optional add-ons like critical illness and air ambulance cover. Ideal for those seeking extra protection against high medical costs.
About the Plan
Bajaj Allianz Extra Care Plus is a top-up health insurance plan designed to supplement your existing health insurance coverage. It acts as a financial safety net, kicking in once your base policy's sum insured is exhausted. This helps protect you from the burden of escalating medical costs, especially for major illnesses or prolonged hospitalizations. Extra Care Plus offers a range of sum insured options, allowing you to choose the level of additional coverage you need. It covers hospitalization expenses, including room charges, ICU charges, doctor's fees, and more. By providing an extra layer of financial protection, Bajaj Allianz Extra Care Plus helps you bridge the gap between your existing coverage and actual medical expenses, ensuring you're not left paying out-of-pocket for substantial healthcare costs.
About the Plan
Product Stats
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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
Voluntary Copay Discount: Bajaj Health Extra care plus offers a voluntary copay discount of 10% or 20%. This means you can choose to pay a portion of the claim amount yourself (10% or 20%), and in return, you'll get a discount on your premium.
No Mandatory Copay: There is no mandatory copayment under the standard Bajaj Extra Care Plus. You can choose a plan with no copayment at all.
Copay Options: The copay options are typically 10% or 20% of the claim amount. The higher the copay percentage, the higher the discount on your premium.
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
12500+
Day Care Treatments
Day Care Treatments are Covered.
AYUSH Treatment
AYUSH Treatments are covered up to Sum insured
Exclusions
Pre-existing diseases are not covered for the first 24 months.
Specific treatments such as ulcers, cataracts, hernias, and joint replacements are excluded in the first year.
Maternity expenses, including childbirth and newborn care, are excluded for the first 24 months.
Dental treatments are not covered unless required due to accidental injury.
Cosmetic or plastic surgery is excluded unless medically necessary due to burns, cancer, or accidents.
Non-allopathic treatments like Ayurveda, Homeopathy, and Unani are not covered.
Treatment for HIV, AIDS, and related conditions is excluded.
Exclusions
Air Ambulance Cover - This optional add-on provides coverage for expenses incurred during emergency air ambulance transportation, either by airplane or helicopter, from the site of an illness or accident to the nearest hospital. This benefit ensures rapid medical attention in life-threatening situations.
Critical Illness Benefit - Offers a lump sum payment upon diagnosis of any of the 15 specified critical illnesses, such as cancer, heart attack, or stroke. This financial support can be used for treatment costs or other expenses during recovery.
Personal Accident Cover - Provides financial compensation in case of accidental death or disability. Benefits include a lump sum payment for accidental death, double the sum insured for permanent total disability, and coverage for permanent partial and temporary total disabilities.
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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