Bajaj Allianz General Insurance

Bajaj Allianz General Insurance - Extra Care Plus plan starting at Rs. 2,487*

Key features and benefits of this policy

  • 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.

  • Coverage of in-patient hospitalisation expenses

    Get coverage for doctor's fees, room rent/boarding charges, nurse's fees, and operation theatre charges.

  • 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.

  • Floater cover for the entire family

    Get health coverage for your spouse, dependent children and parents under a single policy.

  • Maternity and new-born baby cover

    Coverage for medical expenses for maternity, including complications and lawful medical termination of pregnancy during the policy period.

  • 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.

  • Organ donor expenses covered

    Get coverage for an organ donor's treatment up to the sum insured specified in the policy.

  • Daycare treatment procedures

    Get covered against daycare procedures/ surgeries as part of in-patient hospitalisation or at a daycare centre.

  • Tax benefits

    Avail of income tax benefits on premiums paid for this policy as per specific tax laws.

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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

Only basic information required while buying the policy:
  •  Date of birth as per PAN Card
  •  Valid 10-digit mobile number
  •  Residential PIN code

Step-by-step guide to buy this policy

  • Step 1

    Click on ‘Get Quote’ to open our online application form.

  • 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.

  • Step 3

    Now click on ‘Get Quote’ to proceed.

  • 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’.

  • Step 5

    Based on the plan you choose, you may get the option to select the policy term and premium amount.

  • Step 6

    Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.

  • Step 7

    Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

  • Step 8

    Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.

  • Step 9

    Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.

  • Step 10

    Make the payment through net banking, UPI, debit or credit card to buy the policy.

  • 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.

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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

How to raise a cashless claim

Follow these steps to raise claim requests for cashless hospitalisation with Bajaj Allianz General Insurance.

  • Locate a network hospital near you

    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

  • Verify patient’s identity

    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

  • Submit the pre-authorisation form

    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)

  • Contact the insurer

    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

  • Claim settlement

    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.

  • File your reimbursement claim

    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

  • Submit your documents

    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)

  • Claim settlement process

    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.

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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

How does the Extra Care Plus policy work?

Extra Care Plus Policy is a top-up plan that provides you with an additional cover over and above your existing health insurance policy.

How is the Extra Care policy of Bajaj Allianz beneficial?

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.

What is a top-up health insurance policy?

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.

What coverage do I enjoy under a top-up health 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.

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Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and ManipalCigna Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under Extra Care Plus Plan UIN: BAJHLIP20147V021920. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws which are subject to change in future. Pls consult your tax advisor for more details. Visitors are hereby informed that by providing their personal or any information on our website they agree and understand that the information submitted by them may be shared with insurers.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

• Premium mentioned in communication is applicable for a healthy male aged 18 years and is inclusive of taxes.