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7 Features of the Extra Care Policy from Bajaj Allianz

  • Highlights

  • Extend your health insurance cover

  • Get a single sum assured for the entire family

  • Get income tax benefits on premium

  • Relaxed eligibility norms for easier application

Medical costs have been on the rise recently. This, coupled with unhealthy lifestyles, and a lack of health awareness are a real cause of worry. If you were to get hospitalized it could eat up all your savings. Additionally, unfortunate accidents and costly medical surgeries may also add to your expenses.

This is where a health insurance policy, like the Bajaj Allianz Extra Care Policy could become a lifesaver. The following are a few of the major features of this policy:

1. Extended Health Cover

The Extra Care Policy health insurance policy provides extended coverage taking care of your pre- and post-hospitalisation expenses for 60 and 90 days respectively. The plan covers all additional medical treatment expenses as well. This insurance policy can also be taken as an add-on policy with your existing health insurance plan.

2. Insurance Cover for The Entire Family

This policy is a floater policy and can protect the health interests of your entire family. A single premium can therefore cover all of the family, including the insured, the spouse, and three dependent children, with a single sum insured being applicable for all the beneficiaries. Dependent parents can also be covered under this policy, and a separate policy would be issued for the parents of the insured person. 

Additional Read: Best Health Insurance Plans Available In India

3. Relaxed Eligibility Norms

If your proposal form clears, it may be approved quickly by the insurer without the need for a medical test for people up to 55 years of age. This waiver of medical tests is encouraging, as it makes the whole process hassle-free and less exhausting.

4. Affordable Premium Rates

Competitive pricing is one of the fundamental aspects of Bajaj Allianz. The premium rates are, therefore, fairly priced and affordable for everyone.

Features of a Health Insurance

5. Income Tax Benefit

Under section 80D of the Income Tax Act, premiums paid come with tax benefits. Thus, you can save on tax, whilst also safeguarding your health. Two birds, one stone.

6. Grace Period

The policy comes with a grace period of 30 days. So, if the renewal of your policy gets unexpectedly delayed, don’t worry - you’ll have 30 days to renew it.

Additional Read: Save Your Wealth With A Health Insurance Plan

7. Ambulance Charges

Moving a patient to the medical care centre is a delicate task. Well-equipped ambulances can be expensive. In case of emergency, the policy covers ambulance charges of up to Rs.3000 per hospitalisation.

Lastly, be sure to read and understand the terms and conditions of the policy, before you purchase it.

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