Bajaj Allianz Topup Health Plan

It is policy cover wherein you pay some extra to cover the bloating medical expenses that is very common in today’s time.

Here’s an example to understand it better it better:

Mr. X has a health insurance cover with sum insured 5 lakh. There is a claim in the policy for 7 lakh. The base policy provides cover up to 5 lakh and the sum insured gets exhausted. The remaining 2 lakh of claim amount has to be paid. The top-up cover takes care of this surplus amount and the complete claim of 7 lakh can be taken care of without you paying a single penny out of your own pocket.

Key Features

  • Takes care of increasing hospitalization expenses
  • Additional cover over and above the existing cover
  • Reasonable premiums as compared to the covered sum insured
  • Waiting periods and exclusions are as per the base policy

Policy Details

Standard waiting periods:

  • First 30 days waiting period.
  • Waiting periods for pre-existing diseases and joint replacement surgeries.

Standard exclusions:

  • Pregnancy and child birth
  • HIV and AIDS
  • Plastic or cosmetic surgery
  • External equipment or aid
  • Dental treatment
  • Hospitalization for diagnostic purpose only

Documents Required

Fill the basic proposal form and submit it along with the medical reports, The insurer may ask to submit the medical test reports, if there is a need.

Recommended for:

  • It is a must have for those who are aging
  • For those with hereditary problems or history.
Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Latest Health Insurance Articles

If I Buy top-up Health Insurance, What Should be my Policy Cover?

If I Buy top-up Health Insurance, What Should be my Policy Cover?

Why do you carry a Stepney or a spare tire in your car? So that you can use this spare tire as a stand-by in case one of the tires gets punctured. Similarly, a top-up health insurance plan acts as a Stepney to your med...
Updated: 20th January 2021
Are Wellness Benefits In Health Insurance Useful?

Are Wellness Benefits In Health Insurance Useful?

The real cost to insurance companies is low. It is not surprising to know that the impact achieved is low too. Let’s talk about this in detail. Last week Rhea called her insurer to inquire about the complementary health check-up benef...
Updated: 15th January 2021
10 Reasons why buying a Health Insurance in your 20s a Good Idea

10 Reasons why buying a Health Insurance in your 20s a Good Idea

In India, for a young person in his early 20s, availing a health insurance policy is imperative due to increasing health risks from a sedentary lifestyle. After COVID outbreak, the popularity and need of a health cover h...
Updated: 15th January 2021
High or Low Deductible Health Insurance - Which one to Opt for?

High or Low Deductible Health Insurance - Which one to Opt for?

There are so many health insurance plan options available that it gets difficult to understand all of them and their features. When you are purchasing a health insurance policy you might actually want to do some planning ...
Updated: 4th January 2021
Exploring Manipal Cigna Health Insurance and Claim Settlement

Exploring Manipal Cigna Health Insurance and Claim Settlement

As residents of a developing nation, we are exposed to the risk of contracting various illnesses. Despite thorough maintaining an active lifestyle, we are prone to various illnesses. A lot of factors such as pollution and f...
Updated: 4th January 2021
 
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL