Bajaj Allianz Topup Health Plan

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Introduction/Overview

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.