Bajaj Allianz General Insurance

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

Key features and benefits of this policy

00:30

Features and benefits of Bajaj Allianz Extra Care Plus Plan

Learn about the features and benefits of Bajaj Allianz Extra Care Plus Plan

  • 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.

  • Tax benefits

    Avail the income tax benefits in health insurance offered for the premiums paid as per specific tax laws.

Show More Show Less

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 (dependent 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 some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.

  • Step 3

    Now click on ‘Get Quote’ to proceed.

  • Step 4

    From the list of policies shown, choose Bajaj Allianz Extra Care Plus plan by clicking on ‘Buy Now’.

  • Step 5

    Select the policy term and premium amount.

  • Step 6

    Enter your email ID and check if all personal details shown are correct. Click on ‘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 ‘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. 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.

Show More Show Less

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 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
Key inclusions Description
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
Key exclusions Description
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

    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

    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

    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

    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

    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

    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

    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

    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.

Show More Show Less

Documents required for raising a claim request

Here is the list of documents that you need to raise for health insurance claim 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 health insurance policy. The policy gives additional coverage over and above your existing health insurance policy.

How is the Extra Care policy of Bajaj Allianz beneficial?

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.

What is a top-up health insurance policy?

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.

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 before hospitalisation or 90 days after hospitalisation.
3. Organ donor expenses.
4. Emergency road ambulance cover.
5. Covers expenses for all daycare treatments.

Show More Show Less

Disclaimer

*T&C Apply - 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, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care 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 Bajaj Allianz General Extra Care Plus Plan UIN: BAOHLIP20147V021920. 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. Please 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.