Bajaj Allianz Extra Care

Bajaj Allianz Extra Care health cover works as a good add-on policy to the already existing health insurance or mediclaim policy. Bajaj Allianz Extra care policy covers medical expenses in excess of the specified deductible amount and is available as a family floater policy too.  

• No medical check-up required up to 55 yrs
• For cases where medical test is required, 50% of the charges are reimbursed by Bajaj Allianz on policy issuance
• Can be purchased in addition to existing health insurance policy
• Waiting period of your existing policy will be considered
• 5 family members can be covered under single policy for a single premium

3 plans available:

1. Plan A: Sum Insured is 10,00,000
2. Plan B: Sum Insured is 12,00,000
3. Plan A: Sum Insured is 15,00,000

• This policy can be taken as add on cover to an existing mediclaim policy. In case of higher expenses due to illness or accidents Bajaj Allianz Extra care policy takes care of the additional expenses. For example, if Mr. A has a mediclaim insurance of Rs. 3 lacs with some other company and his expenses on treatment are Rs. 5 lacs, then the additional Rs. 2 lacs can be claimed under the Bajaj Allianz Extra Care policy.
• Expenses for any illness or accident
• Emergency ambulance charges up to Rs.3000
• Pre Existing diseases covered after 4 years

• If treatment taken at non-network hospital, the expenses will be reimbursed within 14 days
• Wide cover for illnesses and diseases

• An individual and/or his spouse
• 3 children

Tax benefit can be claimed under section 80D of the Income Tax Act

• Pre-existing diseases not covered for first 4 yrs
• Any illness during the first 30 days of policy issuance
• Congenital diseases (existing at birth)
• Non-allopathic, cosmetic and aesthetic treatments
• HIV or AIDS related
• Abuse of drugs or alcohol
• Joint replacement surgery other than due to accidents
• Fertility related treatment