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. 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
Covers medical expenses incurred for any illnesses or injuries 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 coverage up to Rs. 3,000, for road, aeroplane, or helicopter ambulance. Avail the services from a registered service provider.
Organ donor expenses covered
Covers 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.
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.
- Nationality: Indian
- Age (adult): 18-60 years
- Age (dependent children): 90 days to 25 years
- Date of birth as per PAN card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
Click on ‘Get Quote’ to open our online application form.
Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.
Now click on ‘Get Quote’ to proceed.
From the list of policies shown, choose Bajaj Allianz Extra Care Plus plan by clicking on ‘Buy Now’.
Select the policy term and premium amount.
Enter your email ID and check if all personal details shown are correct. Click on ‘Next’ to proceed.
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on ‘Next’ button to proceed.
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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. You will receive the policy document copy on your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after processing the payment successfully.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Here’s a quick look at the policy details of the Bajaj Allianz Extra Care Plus plan:
|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||Six members (two adults + four 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
|In-patient hospitalisation cover||Specialist doctor’s fees, anaesthesia charges, and diagnostic tests|
|Pre-and post-hospitalisation cover||Covers medical costs of any injury/illness 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|
|Dental treatment||Does not cover cosmetic surgeries, dentures, artificial teeth, etc.|
|Substance abuse||Use of any substance, drug or alcohol, and treatment for de-addiction.|
|Investigations||Hospitalisation, specifically for diagnostic tests, X-rays, or laboratory examinations.|
|Vaccination||Covers vaccination only if part of post-bite treatment or medically necessary and recommended by treating doctor. No other vaccination covered.|
|Plastic surgery||Covers plastic surgery only 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.
Step 1 - Locate a network hospital near you
Avail the cashless claim facility at any of 7,000+ network hospitals. Visit one of these for a stress-free experience. Click here to find a network hospital near you.
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.
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’s Health Administration Team (HAT).
Step 4 - Claim verification
After completing the verification, the insurer will give the final confirmation within one working day and settle the claim directly with the hospital. Insurer will process the claim as per the policy's terms and conditions.
Step 5 - Claim settlement
In case of any queries, Bajaj Allianz team will contact the healthcare provider for additional information. Hospital needs to send the discharge summary, bills, and prescriptions on the day of discharge to the insurer. Upon receiving all the required documents, the insurer will send an authorisation letter within 7 working days.
After clearing the formalities, insurer will settle the bills 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.
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
Step 2 - Submit necessary documents
Collect and submit the necessary documents for claim settlement to the Bajaj Allianz’s Health Administration Team (HAT). Submit claim form, hospital discharge summary, bills, and prescriptions.
Step 3 - Claim verification and settlement
Once the verification is complete, the insurer will give the final confirmation. Insurer will process the claim 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 that 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 health insurance policy. The policy gives additional coverage over and above your existing health insurance policy.
Bajaj Allianz Extra Care Plus policy enhances your health insurance policy by giving additional coverage. The policy ensures that you are secure even if your base medical insurance plan runs out.
A top-up health insurance policy gives extra coverage over and above your base health insurance policy. The policy comes to help especially when you have exhausted the sum insured on your regular health insurance policy. You can use the top-up health plan to cover the additional expenses.
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 before hospitalisation or 90 days after hospitalisation.
3. Organ donor expenses.
4. Emergency road ambulance cover.
5. Covers expenses for all daycare treatments.
Most insurance companies have a set upper and lower age limit for policyholders before offering their policy.
The policyholder pays a certain percentage of the claim amount from their own pocket. The insurer pays the remaining amount.
Surgeries or procedures that require less than 24 hours of hospitalisation.
Any incurable ailments and diseases associated with a decreased life expectancy and serious in nature.