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

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	-