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Bajaj Allianz Extra Care insurance

Bajaj Allianz Extra Care insurance - special features

  • Room Rent : No Room Rent Restrictions.
  • Co-pay : Co-pay as per the deductible opted for.
  • Restoration Benefit : NIL Restoration Benefit .
  • Floater Policy with the single premium for the family
  • Competitive premium rates
  • Waiver of the medical tests up to 55 years subject to no adverse medical history
  • Continuity for waiting periods would be given on the base hospitalisation policy.
  • The policy covers ambulance charges in case of emergency subject to a maximum of Rs 3000
  • Income tax benefit under Sec80 D of the IT act on the premiums paid for this policy

Bajaj Allianz Insurance Review

Bajaj Allianz Insurance
Bajaj Allianz Insurance sum insured
3 lacs − 50 lacs options available
Incurred Claims Ratio *
77%
Bajaj Allianz Insurance tenure options
For a period of 3 years
Claims Settlement Ratio **
86.50%
List of network hospitals
8,000+ hospitals
Number of policies issued *
8,44,567
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
18,185,301
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Bajaj Allianz Extra Care insurance review

  • Key Features
  • Benefits
  • Eligibility
  • Coverage
  • Deductibles
  • Exclusions

Bajaj Allianz Extra Care insurance key highlights

  • Age of entry for proposer, spouse and parents is 18yrs - 70 years.
  • Children from 3 months - 25 years can be covered as dependents

Benefits of Extra Care insurance

  • Bajaj Allianz offers perfect health insurance protection for individuals and family with Extra Care Insurance.

Who can be covered under this policy?

  • Self,spouse and 3 dependents children can be under the policy
  • Dependents parents can also be covered under this policy, a separate policy would be issued for parents.

What is covered under this policy?

  • This policy covers hospitalisation expenses in excess to the specified deductible amount.
  • Deductible amount is applicable as per the plan opted
  • This policy also covers Pre and Post hospitalisation expenses for 60 and 90 days respectively
  • Ambulance charges Rs 3000/- per hospitalisation.

Deductibles

  • Deductible means the amount stated in the schedule which shall be borne by the insured with respect to each and every hospitalization claim incurred within the policy period. The company's liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalization would be considered as a separate claim. (Except relapse within 45 days, which will be treated as the same claim.)

Exclusions

  • All diseases/illnesses existing prior to or at the time of proposing this insurance for a period of 4 years.
  • Any diseases contracted during the first 30 days of inception of the policy.
  • Congenital diseases and disorders.
  • Non-allopathic medicine.
  • Joint replacement surgeries other than due to accident would have a waiting period of 4 years.
  • All expenses arising out of AIDS and related diseases.
  • Cosmetic and aesthetic treatments.
  • Use of intoxicating drugs or alcohol.
  • Any fertility, sub-fertility, impotence, assisted conception operation, or sterilization procedure.

Brochure

Review Bajaj Allianz Extra Care insurance brochure to understand coverage details.


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Proposal form

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Policy wordings

Review Bajaj Allianz Extra Care insurance policy wordings which explains the terms and conditions.

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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