Bajaj Allianz Extra Care Health Policy
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- Bajaj Allianz Extra Care Health Policy
Bajaj Allianz Extra Care Health Policy
Extra care health insurance policy takes care of the additional hospitalization expenses in case you find your existing plan falling short of certain requirements.
What will happen if serious illness or accident requires long-term care and complicated treatment? Expenses escalate and exhaust your health cover. Bajaj Allianz Extra Care extends your health insurance cover that ensures you do not run short of money if your health insurance policy runs out.
Key Features
- Medical expenses covered up to the sum insured
- Ambulance charges up to Rs.3000
- Pre and post hospitalization expenses covered up to 60 and 90 days respectively.
- Waiver for pre-existing diseases after completion of 4 years of the policy.
- Floater Policy (up to 3 Children): Single sum insured for the whole family.
- No test till 55 years of age for clean proposals.
- Economic premium starting at Rs.2500 with sum insured of 10,12 &15 lakh.
Advantages/Value added services
- Discounts on selected pathologies.and wellness tests.
- Discount on selected radiology centers.
- Deduction up to 35000 on income tax under IT Act.
Policy Details
- Coverage: Family
- Grace period: 15 days grace period is allowed for payment of premium. If policyholder fails to make payment within the grace period, the 2 year or 4 year waiting period shall start afresh.
- Portability: If you are insured under any other health insurance policy of Non-life insurer then you can transfer to Bajaj Allianz Health Guard Individual policy with all your accrued benefits after due allowances for waiting periods.
- Policy termination: Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.
- Free look period: If you are not pleased with the coverage or terms and conditions of the policy, you have the option of canceling the policy within 30 days of receipt of the policy documents, provided no claim has been made.
Exclusions
- Any illness diagnosed within 30 days of policy is not covered.
- Any sexually transmitted disease.
- Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
- Treatments consisting of non-allopathic medicine are not covered under this policy.
- Cosmetic treatments.
Documents Required
Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.
Eligibility
Entry age for the proposer is 18 years to 70 years.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Bajaj Allianz Health Insurance Plans
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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