Top Up Health Insurance: Extra Care Plus Policy

Top Up Health Insurance: Extra Care Plus Policy

WHY CHOOSE BAJAJ ALLIANZ EXTRA CARE PLUS POLICY?

We all love a little extra something; whether it is an extra set of helping hands or extra time to complete an exam, it always comes in handy. Our Extra Care Plus plan, a top-up health cover, provides an add-on cover to your existing health insurance policy It acts like astepney to your health insurance policy after you use up your sum insured limit. Our Extra Care Plus is the top-up health protection your existing health cover needs.
Let's consider why you might need this additional buffer. Imagine that an unfortunate incident lands you in the hospital. Your basic health policy is only going to cover a limited sum insured, leaving you to fend for funds at the worst possible time.

However, with Extra Care Plus, once your basic medical insurance cover is exhausted, this shield will kick in. It will help you clear the additional bills that your hospitalisation may rake up and pay the expenses incurred above the aggregate deductible opted by you. That's why this top-up plan is a wise investment.

Also, consider the fact that with rising inflation a basic health insurance cover may not be adequate. Furthermore, a high sum insured may not be affordable. Hence, this policy is the perfect fit for a more expansive health insurance coverage to take care of the rising healthcare expenses. The best part? You don't even need a basic health insurance plan to buy this policy!

WE OFFER A WHOLE LOT WHEN IT COMES TO EXTRA CARE PLUS POLICY

KEY FEATURES:

We take your health insurance very seriously and we have years of experience and global knowledge to back us. We ensure that a safe and secure top-up health insurance plan will see you through an unfortunate hospitalization. Here are the main features of our Extra Care Plus policy:

Top-up health policy:
Opt from a wide range of sum insured and aggregate deductible options available under the Extra Care Plus policy.

Pre-existing diseases cover:
Pre-existing diseases covered after 12 months from your first Extra Care Plus policy.

Pre and post hospitalization cover:
This policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalization.

Emergency ambulance cover:
Avail emergency ambulance cover up to Rs 3,000 per claim. You can also opt for an air ambulance cover as an add-on.

Floater cover for entire family:
Covers your spouse, dependent children and parents under a single policy.

Entry age up to 80 years:
With the extended age limit, the policy can cover members up to 80 years of age.

No pre-policy check-up up to 55 years:
This policy requires a pre-policy health check-up only for members above the age of 55 years.

Daycare procedures cover:
This policy covers medical expenses incurred during the treatment of listed daycare procedures or surgeries.

THAT NOT ALL, HERE ARE ADDITIONAL BENEFITS WITH YOUR EXTRA CARE PLUS POLICY.

We Provide Extensive Medical Coverage Along With Other Benefits:

Tax saving:
Tax saving up to Rs 1 lakh under Section 80D of the Income Tax Act.*

*On opting for Extra Care Plus policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximize tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Hassle-free claim settlement:
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalization or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Renewability:
You can renew your Extra Care Plus policy for your entire lifetime.


Portability benefit:
If you are insured under any top-up health insurance plan, you can switch to our Extra Care Plus policy with your accrued benefits (after due allowances for waiting periods) and enjoy the available benefits of the policy.

Preventive health check-up:
Free preventive health check-up at the end of a continuous period of 3 years during which your Extra Care Plus policy is active.

Inclusion:

Pre Existing :
Pre Existing Disease covered after 12 month from date of policy issued.

Free Health Checkup:
Free Health Checkup is available during policy renewal.

Maternity Expense Cover:
Cover Maternity Expenses, including complications.


Exclusion:

1.We are not liable for the claim amount failing within the aggregate deductible limited as opted for and mentioned in the policy.


2.Pre-existing condition, ailment or injury, which is declared on your proposal form and accepted by us, until 12 months of continuous coverage have elapsed after the date of inception of the first Extra Care Plus policy with us. In case of enhancement of sum insured, this exclusion will apply afresh only to the extent of the amount by which the limit of indemnity has been increased, if the policy is a renewal of the Extra Care Plus policy without a break in cover.

3.Any disease contracted and/or medical expenses incurred by you with respect to any disease/illness during the first 30 days from the commencement of the policy, except for accidental injuries.


4.We will not be liable to make any payment under this policy related to maternity expenses within the first 12 months from the date of inception of the first policy with us. However, the 12 months waiting period would not be applicable in case of continuous renewal of Extra Care Plus.

5.Any medical expenses incurred due to occurred baby.

6.Any injuries or medical expenses incurred due to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority.

07.Expenses incurred for dental treatment or surgery of any kind, unless requiring hospitalization, and as a result of accidental injury to your natural teeth.