Extra Care Plus

A basic medical insurance policy covers you for health expenses up to the sum insured while a top-up plan covers costs after a certain threshold is reached. In case of higher expenses due to illness or accidents, the Extra Care Plus policy takes care of the additional expenses. This policy is the perfect fit for a more expansive health insurance cover to take care of the rising health care expenses.

• Floater policy for proposer/spouse/dependent children/dependent parents (dependent parents under same policy)

• Sum Insured Options - 3/5/10/15/20/25/50 lacs

• Wide range of aggregate deductible options*

• Pre-existing disease covered after 12 months from your first Extra Care Plus policy

• Life time renewal option

• Free look period of 15 days

• Free health check-up

• Access to cashless facility at over 6000+ empanelled hospitals across India (subject to exclusions and conditions)

• Income tax benefit under 80 D of the IT Act**

• Health CDC benefit – quick claim settlement through app*

*Extra Care Plus policy pays the hospitalization expenses incurred above the aggregate deductible opted by you

• Entry age from 91 days to 80 years

• No pre-policy medical tests up to 55 years of age (subject to clean proposal form)

• Indian nationals residing in India would be considered for this policy.

• This policy can be opted by Non-Resident Indians also, provided premium is paid in Indian currency & by Indian Account only.

• Claims which have NOT been admitted under Medical expenses section

• Claims not in compliance with THE TRANSPLANTATION OF HUMAN ORGANS (AMENDMENT) BILL, 2011

• The organ donors Pre and Post-Hospitalisation expenses.

Please note: For details, please refer to the product brochure for policy terms and conditions

To register your claim online, click here.

Or register your claim on the phone, please dial our Toll Free Number: 1800-209-5858

Do I need a top up health policy if I already have a mediclaim/health insurance cover in place?

You might be under the impression that your existing health insurance cover might be sufficient for all your health related needs but what if the coverage offered is not able to meet all your medical costs? Your present cover may be sufficient to pay for small illnesses, but there is always a chance it would fall short in case of a bigger medical emergency. That’s where top-up health insurance plays a crucial part in covering your expenses and protects your savings

What is the Cashless Claims Process?

• Customer approaches Bajaj Allianz Network Hospital for cashless treatment

• Hospital verifies customer details & sends the Preauthorization Form duly completed, by fax to Bajaj Allianz – HAT (Health Administration Team)

• Bajaj Allianz – HAT, verifies preauthorization request details with benefits & conveys decision to the provider

Approved

• Authorization letter is sent to the provider

• Provider treats the patient without any deposit till discharge

Query

• Query letter is sent to the provider asking for additional information

• Required additional information received from the Provider

• Bajaj Allianz – HAT, verifies preauthorization request details with benefits & conveys decision to the provider

Denial

• Denial letter is sent to the provider

• Provider treats patient as cash paying

Customer may file the claim for reimbursement