Top Up Health Insurance: Extra Care Plus Policy

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Key Features

  • Sum Insured options ranging from 3lacs to 50 lacs/Aggregate deductibles from- 2 lacs to 10 lacs
  • Floater policy for proposer/spouse/dependent children/dependent parents
  • Pre-existing disease covered after 12 months from your frst Extra Care Plus policy
  • Free health checkup
  • Maternity expenses including complications of maternity
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Extra Care Plus Cover

Anyone who has ever driven a Car, knows the importance of a spare tyre. It comes really handy in case if any of your tyres gets punctured. Extra Care Plus, a Top-up Health cover, plays a similar role. It is the 'stepney' to your health insurance policy after you exhaust the sum insured limit.

A basic medical insurance policy covers you for health expenses up to the sum insured while a top-up plan covers costs after a certain threshold is reached. In the times of rising medical costs, Bajaj Allianz’s Extra Care Plus Policy acts as an additional cover to your existing health cover and provides wider health protection to you and your family. In case of higher expenses due to illness or accidents, the Extra Care Plus policy takes care of the additional expenses. It is important to consider the fact that with rising inflation a basic health insurance cover may not be adequate. At the same time, getting a large insurance cover may not be affordable. This policy is the perfect fit for a more expansive health insurance cover to take care of the rising health care expenses.

For example, when you are hospitalized, a basic health policy will cover you up to the sum insured limit. Extra Care Plus will kick in once you have exhausted this basic health insurance cover. It'll pay for the claim amount over and above it. Hence, a top-up plan makes sense when you want to increase the cover without paying too much.

Note- Extra Care Plus policy can be taken even if you do not have a base health insurance plan

Extra Care Plus Policy

Extra Care Plus Insurance

What Coverage Do I Get?

  • In-patient Hospitalization cover
  • Pre and post hospitalization expenses that occur 60 days prior to hospitalization or 90 days after hospitalization.
  • Organ Donor Expenses
  • Emergency road ambulance cover
  • Covers expenses for all day care treatments

Key Benefits of Extra Care Plus

  • Floater policy for proposer/spouse/dependent children/dependent parents (dependent parents under same policy)
  • Entry age from 91 days to 80 years
  • Access to cashless facility at over 6000+ empanelled hospitals across India (subject to exclusions and conditions)
  • Wide range of aggregate deductible options*
  • No pre-policy medical tests up to 55 years of age (subject to clean proposal form)
  • Pre-existing disease covered after 12 months from your first Extra Care Plus policy
  • Life time renewal option
  • Free look period of 15 days
  • Free health check-up
  • Income tax benefit under 80 D of the IT Act**
  • Health CDC benefit – quick claim settlement through app*

Extra Care Plus policy pays the hospitalization expenses incurred above the aggregate deductible opted by you.

For Example:

Case: Insured has opted a plan for 2 members, Sum Insured is Rs-10, 00,000 and Deductible of Rs. 200000. The Policy Period is from 01-April-2017 to 31-March-2018

Sum Insured: Rs. 10Lacs, Aggregate Deductible Opted: Rs. 2Lacs
Claim Details Date of Hospitalisation Total Claim Amount
(in Rs.)
Deductible Utilization
(in Rs.)
Balance Deductible
(in Rs.)
Payable by insured
(if any) (in Rs.)
Payable under Extra Care Plus Policy (in Rs.)
Claim 1 10-Aug-2017 1,50,000 1,50,000 50,000 1,50,000 0
Claim 2 10-Sep-2017 3,00,000 50,000 0 50,000 2,50,000
Claim 3 10-Oct-2017 7,50,000 0 0 0 7,50,000

Free Medical Check-up (Additional benefit for which aggregate deductible is not applicable)

At the end of every continuous period of 3 years during which you have held Extra Care Plus policy with us, We will reimburse the free medical checkup expenses as below

  • 1. The actual amount of medical checkup expenses up to Rs. 1000/- for policy covering 1 member.
  • 2. The actual amount ofmedical checkup expenses up to Rs. 2000/- for policies coveringmore than 1member under the same policy.

**On the health insurance premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60. If the premium paid by an individual is towards health insurance policy for his or her parent who is a senior citizen of age 60 or more, the maximum is capped at Rs 50,000. A taxpayer may therefore maximize tax benefit under section 80D to a total of Rs 75,000 if his age is below 60 If parents age is above 60. For those tax payer individuals who are of age 60 or more and are also paying health insurance premium for their parents, the maximum tax benefit under section 80D would therefore be a total of Rs 100,000.

*Health CDC (Claim by Direct Click) is a feature in the Bajaj Allianz Insurance Wallet App which enables you to raise claim requests up to Rs. 20000/- through the app. This is the easiest way to make claim requests as you upload all the required documents on the app and get regular updates of your claim status. The entire process is paper-less, hence it helps you save both time and money.

Exclusions and waiting period

  • We are not liable for claim(s) amount falling within aggregate deductible limit as opted for and mentioned on the policy schedule
  • Benefits will not be available for any Pre-existing condition, ailment or injury, which is declared on proposal form and accepted by us, until 12 months of continuous coverage have elapsed after the date of inception of the first Extra Care Plus policy with us. In case of enhancement of sum insured this Exclusion shall apply afresh only to the extent of the amount by which the limit of indemnity has been increased (i.e. enhanced sum insured) if the policy is a renewal of Extra Care Plus Policy without break in cover
  • Any disease contracted and/or medical expenses incurred in respect of any disease/illness by the insured during the first 30 days from the commencement of the policy, except for accidental injuries.
  • We will also not pay for claims arising out of or howsoever connected to the following for the first 12 months of Extra Care Plus policy:
    • We shall not be liable to make any payment under this Policy in connection with or in respect of maternity expenses within first 12 months from the date of inception of the first Policy with us. However the 12 months waiting period would not be applicable in case of continuous renewal of Extra Care Plus Policy without break in cover.
    • Any Medical Expenses of the new born baby
    • Dental treatment or surgery of any kind unless requiring hospitalization and as a result of accidental Bodily Injury to natural teeth.
    • War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civilwar, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage by or under the order ofany government or public local authority. Learn more

Health Administration Team

  • The team consists of doctors and para medics who are responsible for health underwriting and claims settlement
  • Provides single window assistance to all the health insurance policy holders for all health care related services
  • In house team to resolve all issues related to health insurance customers
  • Faster Claim Settlement due to single point of contact
  • Effective and quick resolution of customer queries by health insurance experts
  • Control over claims settlement and customer service due to the in-house capability

Customer Reviews


    24 April 2019

    Bajaj Allianz is Excellent Service provider not only in terms of Claims but also in guiding clients

    22 April 2019

    The person was good and calm. Keep up the good work Bajaj Allianz

Frequently Asked Questions

1. Do I need a top up health policy if I already have a mediclaim/health insurance cover in place?

You might be under the impression that your existing health insurance cover might be sufficient for all your health related needs but what if the coverage offered is not able to meet all your medical costs? Your present cover may be sufficient to pay for small illnesses, but there is always a chance it would fall short in case of a bigger medical emergency. That’s where top-up health insurance plays a crucial part in covering your expenses and protects your savings.

2. Can I save tax on the premium paid for this policy?

Yes. The premium paid for extra care plus top up plan is exempt under tax as per sec 80D under the IT act.

* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.