It is an add-on
health insurance policy that covers higher medical expenses in addition to your existing health insurance policy, providing you with greater protection. In addition to yourself, your legally married spouse, dependent children, and dependent parents can be covered by this policy. Under the policy, up to six people can be covered. As a policyholder, you are covered between the ages of 91 days and 80 years; dependent children are covered between the ages of 3 months and 25 years. In addition to having a wide range of deductible options, it also comes with a large amount of coverage. If you are under 55 years of age and do not have any medical history, the policy does not require you to undergo a pre-policy medical examination.
Depending on your needs and budget, you can choose a sum insured and deductible between Rs. 3 Lakh and 50 Lakh and between Rs. 2 Lakh and Rs. 10 Lakh. For example, expenses such as inpatient hospitalizations, pre-hospitalizations and post-hospitalizations, ground ambulance emergencies, health check-ups, maternity expenses, daycare expenses, air ambulance expenses, and pre-existing conditions. By paying an additional premium, you can also add on air ambulance cover to the policy in addition to these benefits. Hence, the policy offers affordable and broader coverage for rising healthcare costs.
Benefits of Bajaj Allianz Extra Care Plus Plan
This insurance plan has many features you can find out more about. Learn how this plan will help you during medical emergencies by reviewing all the expenses that are covered.
- Protection against medical expenses - The health insurance company will pay your medical expenses during hospitalization if you are hospitalized on a doctor's recommendation. Direct transfers to network hospitals will be made by the company once the claim amount has been determined.
Hospitalization coverage in-patient - If you are hospitalized, the company will cover the following expenses.
1. Expenses associated with room rental, board, and nursing
2. Expenses associated with ICU rent and boarding
3. Nurses, specialists, and medical practitioners' fees
4. Costs associated with operating rooms, anesthesia, surgical instruments, diagnostic tests, medications, blood, oxygen, and prosthetics
- Coverage prior to hospitalization - In this plan, all medical expenses incurred before 60 days of hospitalization are covered. If the company accepts your in-patient claim, pre-hospitalization expenses will be covered.
- Coverage post-hospitalization
- The Bajaj Allianz Extra Care Plus Plan covers all expenses after 90 days of hospital discharge. In-patient claims will only be covered if the company approves them.
Coverage for maternity expenses - It covers the following expenses for maternity leave:-
1. Pregnancy-related medical expenses, including complications.
2. Expenses associated with lawful medical terminations of pregnancy.
3. An estimate of the prehospitalization and post-hospitalization costs associated with inpatient hospitalizations.
4. Policyholders are subject to a 12-month waiting period.
- Expenses for ambulances are covered-A road ambulances will be covered by your insurance policy. In case your medical expenses claim is accepted by the company, you will receive a maximum cover of Rs.3000 per hospitalization.
Coverage for donors of organs - This policy will cover the donor's expenses if you undergo surgery for organ transplantation. The following expenses will be reimbursed:-
1. The person whose organ is available for donation.
2. It is for the insured person's use that the organ is donated
Checkups for free - Every three years, you will be reimbursed for medical check-up expenses. Here is how you will be reimbursed:
1. Coverage for medical check-ups up to Rs.1000/- for members covered by a policy.
2. If more than one member is covered under the same policy, the medical check-up expense is limited to Rs. 2000/-.
Inclusions of Bajaj Allianz Extra Care Plan
Extra Care Plus from Bajaj Allianz has several inclusions. In the following points, we have touched on these topics.
- Claim Amounts of Significant Importance-Policyholders can make claims with the Insurance Wallet application up to INR 20,000 through the health insurance claim by direct click (CDC) service.
- Claims Made Swiftly-Extra Care Plus policyholders are entitled to efficient claim settlements.
- Benefits of Taxation-Section 80D of the Income Tax Act of India provides tax benefits for policyholders.
- Renewals are available for life-Getting your health insurance plan renewed becomes more difficult as you age. Accordingly, Extra Care Plus policyholders are entitled to lifetime renewals for their top-up health insurance plans.
- There are no medical tests required - In order to qualify for this health insurance plan, you do not have to undergo medical tests if you are under 55 years old.
- A period of free looking - It offers a 15-day free look period to allow those interested in the plan to try out its benefits.
Exclusions of Bajaj Allianz Extra Care Plan
The Bajaj Allianz Extra Care Plus Plan excludes the following items:
- Health insurance plans offered by Bajaj Allianz may not cover certain expenses. You can understand these exclusions by looking at the list below.
- New-born babies aren't covered for medical expenses incurred by their parents
- Non-dental treatment or surgery is not included if it doesn't address dental problems caused by accidental injury to natural teeth.
- No coverage is provided for surgical treatments aimed at reducing obesity
- Individuals who undergo gender-altering surgeries are not covered
- There is no treatment for substance abuse or alcoholism included in the program
- As a member of this plan, you are not covered for cosmetic or plastic surgery
- Experiencing injuries as a result of hazardous or adventure sports is not covered by insurance
- Infertility and sterility-related expenses are not accounted for
- Any vaccination is not covered
- There are no costs associated with the purchase of contact lenses, spectacles, dentures, hearing aids, or other related devices
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