Top Up Health Insurance

Is your existing health insurance policy not sufficient to cover the medical bills? Get an additional health coverage with Top-Up Health Insurance from Bajaj Finserv. Get a wider health protection for yourself and your family against any kind of illness or accidents. Get an extra coverage against rising medical costs by just paying an affordable premium amount.

Features & Benefits

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  Additional coverage

  Take care of the increasing hospital bills by getting an additional coverage on your existing health insurance policy.

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  Sum insured up to Rs.50 lakh

  Get a wide range of sum insured, ranging between Rs.3 lakh to Rs.50 lakh. Pay for pre and post-hospitalization, up to 60 and 90 days respectively.

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  Floater coverage

  Get coverage for up to 6 family members, including children and parents with a single sum insured and single premium.

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  Customized features

  A top-up health insurance is suitable for people who are aging or have regular and hereditary medical issues.

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  Minimum documentation

  It is a hassle-free policy which you can apply online with minimum documentation.

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  Affordable premiums

  Simply pay an affordable premium amount to get a huge sum of coverage. Premium starts at Rs.2,500 per annum.

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  Smaller waiting period

  A top-up insurance policy brings down the waiting period for pre-existing diseases to just 12 months.

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  Host of features

  Cover maternity, ambulance, and even organ donor expenses under this policy.

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  Free medical check-up

  Get a free medical check-up done to a specified limit at the end of 3 continuous policy years, irrespective of whether you have claimed any amount or not.

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  Cashless facility

  Get access to the cashless facility at over 5700 network hospitals.

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  Tax rebate

  Save up to Rs.60,000 as tax rebate under section 80D of Income Tax Act.

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  No Medical

  No pre-policy medical tests required up to the age of 55 years, subject to a clean proposal form.

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  Look up period

  Get a free look-up or trial period of 15 days for your policy. Cancel without any charges if not satisfied, subject to no claims made within the look-up period.

As a Bajaj Finserv loan customer, getting a top-up health insurance is easy and fast. Simply check your eligibility here:

• The policyholder and spouse should be between 18 to 70 years.
• Dependent children between 3 months to 18 years can be covered if both the parents are insured with us.
• Individuals from 18 years to 25 years can be covered as self-proposer or as dependents, if both parents are insured with us.
• Dependent parents can also be covered under the same plan, but a separate policy is issued to the parents. The highest age of the family member will define the premium amount.

Major Exclusions

The major exclusions applicable under the policy are as follows:

• Existing diseases/illnesses prior to or at the time of proposing the policy, benefits won’t be applicable for first 12 months.
• Diseases contracted during the first month of the policy.
• Maternity expenses during the first 12 months of the policy or expenses of a new born.
• Hospitalization for a dental treatment or surgery as a result of injury or natural behaviour.
• Any maternity/new-born baby expenses have a waiting period of 6 years.
• Any medical expense due to the consumption of intoxicating and/or addictive substances like alcohol, drugs etc. will not be covered.
• Congenital diseases and disorders, non-allopathic medicine, AIDS and related diseases.
• Injury of any government or public local authority during a war, acts of foreign enemies, hostilities, unrest, revolution, military or usurped power or similar unexpected activities.