Bajaj Allianz General Insurance - Extra Care Plus plan starting at Rs. 2,487*
Key features
Key features and benefits of this policy
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Cashless claims facility
Avail of cashless treatment facilities across a wide network of 7,000+ Bajaj Allianz cashless hospitals and get costly medical procedures done without having to pay in cash.
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Coverage of in-patient hospitalisation expenses
Get coverage for doctor's fees, room rent/boarding charges, nurse's fees, and operation theatre charges.
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Pre- and post-hospitalisation expenses covered
Get benefits towards medical costs incurred due to an illness or injury for up to 60 days before and 90 days after hospitalisation.
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Floater cover for the entire family
Get health coverage for your spouse, dependent children and parents under a single policy.
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Maternity and new-born baby cover
Coverage for medical expenses for maternity, including complications and lawful medical termination of pregnancy during the policy period.
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Road and air ambulance coverage
Get ambulance expenses coverage of up to Rs. 3,000, for road, aeroplane, or helicopter ambulance service provided by a registered service provider.
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Organ donor expenses covered
Get coverage for an organ donor's treatment up to the sum insured specified in the policy.
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Daycare treatment procedures
Get covered against daycare procedures/ surgeries as part of in-patient hospitalisation or at a daycare centre.
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Tax benefits
Avail of income tax benefits on premiums paid for this policy as per specific tax laws.
Eligibility criteria and documents required
Anyone can apply for Bajaj Allianz Extra Care Plus plan as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process.
Eligibility criteria
- Nationality: Indian
- Age (Adult): 18-60 years
- Age (dependant children): 90 days to 25 years
Documents required
- Date of birth as per PAN Card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
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Step 1
Click on ‘Get Quote’ to open our online application form.
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Step 2
Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
Change the policy type option located on top of the page to Top-up to get a list of top-up health plans. Choose Bajaj Allianz Extra Care Plus plan by clicking on ‘Buy Now’.
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Step 5
Based on the plan you choose, you may get the option to select the policy term and premium amount.
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Step 6
Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
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Step 7
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through net banking, UPI, debit or credit card to buy the policy.
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After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment process is completed.
You can also access your policy details through the 'My Account' section within 5-7 days after purchase.
Policy details
Here’s a quick look at the policy details of the Bajaj Allianz Extra Care Plus Plan:
| Policy details | Description |
|---|---|
| Policy type | Individual/family floater |
| Starting premium (in Rs.) | 2,487 |
| Sum insured (in Rs.) | 3 lakh – 50 lakh |
| Policy term | One, two, and three years |
| Renewal | Lifetime renewable (renewable up to 35 years for dependent children) |
| Number of members covered | 6 members (2 adults + 4 children) |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the Bajaj Allianz Extra Care Plus Plan:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| In-patient hospitalisation cover | Specialist doctor’s fees, anesthesia charges and diagnostic tests |
| Pre- and post-hospitalisation cover | Covers medical costs incurred due to an illness or injury for up to 60 days before and 90 days after hospitalisation |
| Surgical appliances | Cost of prosthetics and other devices |
| Air ambulance cover | Up to Rs. 3,000 benefit |
| Maternity benefits | Pre-natal and post-natal hospitalisation |
| Key exclusions | Description |
|---|---|
| Dental treatment | Cosmetic surgeries, dentures, artificial teeth, etc |
| Substance abuse | Use or abuse of any substance, drug or alcohol, and treatment for de-addiction |
| Investigations | Hospitalisation, specifically for diagnostic tests, X-rays or laboratory examinations |
| Vaccination | Vaccination is not covered under this plan unless it is part of post-bite treatment or if it is medically necessary and recommended by treating doctor |
| Plastic surgery | Except in cases of cancer, burns or accidental bodily injury |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with Bajaj Allianz General Insurance.
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Step 1 - Locate a network hospital near you
The cashless claim facility is available at 7,000+ network hospitals. Visit one of these for a stress-free experience. Click here to find a network hospital near you
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Step 2 - Verify patient’s identity
Share the patient’s policy number and show your Bajaj Allianz cashless card along with valid identity proof (PAN, voter ID, passport) at the hospital
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Step 3 - Submit the pre-authorisation form
Fill out and submit the pre-authorisation form at the hospital. The hospital will send this form to the Bajaj Allianz – Health Administration Team (HAT)
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Step 4 – Claim verification
Once the verification is complete, the insurer will give the final confirmation within one working day and settle the claim directly with the hospital. The claim will be processed per the policy's terms and conditions
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Step 5 - Claim settlement
In case of any queries, Bajaj Allianz team will contact the healthcare provider for additional information. Upon receiving all the required documents like discharge summary, bills and prescriptions on the day of discharge, the insurer will send an authorisation letter within 7 working days.
After all the formalities are cleared, your bills will be settled directly with the hospital
How to raise a reimbursement claim
To reimburse your hospital and medical expenses with Bajaj Allianz General Insurance, follow these steps.
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Step 1 – File your reimbursement claim
Fill the reimbursement claim form online on the Bajaj Allianz website by entering your health ID card number. You need to file the claim form within 30 days after getting discharged from the hospital
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Step 2 - Submit necessary documents
Collect and submit the necessary documents for claim settlement, such as claim form, hospital discharge summary, bills and prescriptions to the Bajaj Allianz – Health Administration Team (HAT)
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Step 3 – Claim verification and settlement
Once the verification is complete, the insurer will give the final confirmation. The claim will be processed as per the terms and conditions of the policy
In case of any queries, Bajaj Allianz team will contact you for additional information. Upon receiving all the required documents, the insurer will settle your claim within 10 working days.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with Bajaj Allianz General Insurance.
- Duly signed claim
form and NEFT details
- Bank details
- Hospital and pharmacy bills, along with the prescription, receipts with a revenue stamp
- Original laboratory and
diagnostic test reports
- Claim settlement letter
from any other insurer in case of partial settlement
- Copies of Aadhaar
card and PAN card
- Post-mortem report, if applicable
Frequently asked questions
Extra Care Plus Policy is a top-up plan that provides you with an additional cover over and above your existing health insurance policy.
The Bajaj Allianz Extra Care Plus Policy enhances your health insurance policy by ensuring you are secure even if your base medical insurance plan runs out.
A top-up health insurance policy is an additional coverage for those who are already insured by a health insurance plan or mediclaim policy. Nonetheless, you can opt for our Extra Care Plus policy even if you are not insured by a primary medical insurance plan.
With Bajaj Allianz’s Extra Care Plus policy, you enjoy the following coverage:
1. In-patient hospitalisation cover.
2. Pre and post hospitalisation expenses that occur 60 days prior to hospitalisation or 90 days after hospitalisation.
3. Organ donor expenses.
4. Emergency road ambulance cover.
5. Covers expenses for all daycare treatments.
