Bajaj Allianz Top Up & Super Top up Plan

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      Bajaj Allianz Health Insurance Top Up & Super Top up Plan

      Bajaj Allianz Top-up and Super Top-up Health Insurance Plans provide additional coverage to those who are already insured under a mediclaim policy.You can still get covered under the Bajaj Allianz Extra Care Plus policy even if you are not insured under a primary health insurance plan.

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      Top up and super top up plans can be availed as an add-on benefit with the basic health insurance coverage. These policies come in when the basic cover is exhausted during a medical emergency. Bajaj Allianz Extra Care Plus Super Top-up plan provides sum insured cover from Rs 3 lakh to Rs 50 lakh. And Bajaj Allianz Extra Care Top-up plan provides coverage from Rs 10 lakh to Rs 15 lakh. 

      Eligibility Criteria

      The eligibility criteria for Bajaj Allianz top-up or Super top-up plan is given in the table below:

      Criteria

      Extra Care Plus Super Top-up

      Extra Care Top-Up 

      Sum Insured 

      Rs 3 lakh to Rs 50 lakh

      Rs 10 lakh-Rs 15 lakh

      Deductible

      Rs 3 lakh-10 lakh

      Rs 3 lakh-Rs 5 lakh

      Minimum entry age 

      Individual:18 years 

      Child: 91 days

      Individual: 18 years 

      Child: 3 months

      Maximum entry age

      80 years 

      Individual: 70 years 

      Child: 25 years

      Waiting period for pre-existing diseases

      12 months

      12 months

      Types of Bajaj Allianz Top up and Super Top-up Plans

      The two types of Bajaj Allianz top-up and Super top-up health insurance plans are given below:

      • Bajaj Allianz Extra Care Plus Super Top-up Plan- The super top plan provides extra coverage with sum insured options Rs 3/5/10/15/20/25/50 lakh. One can opt for deductibles ranging from Rs 3 lakh-10 lakh.
      • Bajaj Allianz Extra Care Top-up Floater Plan- Bajaj Allianz Extra Care is a top-up plan that provides coverage on a family floater basis. The policyholder can add six members to the floater plan for sum insured ranging from Rs 10 lakh, Rs 12 lakh, and Rs 15 lakh.

      Key Features of Bajaj Allianz Top-up & Super Top-up Plans

      Bajaj Allianz Top-up and Super Top-up Plans come with the following key features and benefits:

      • Bajaj Allianz top up plans and super top-up plans offer a range of options for the Sum Insured and deductibles to choose from
      • No pre-medical tests required up to 55 years of age
      • Coverage for any pre-existing illnesses after 12 months from the inception of the Extra Care Plus policy
      • Covers inpatient, pre-hospitalization, and post-hospitalization cover
      • Additional covers such as road ambulance cover and air ambulance cover in times of emergency
      • Covers maternity expenses, including complications at the time of childbirth, as per conditions
      • Bajaj Allianz health claim-settlement ratio is and all the claims are settled mostly within 48 hours

      Inclusions of the Bajaj Allianz Extra Care Top-up Floater Plan 

      Bajaj Allianz health top-up policy covers the following medical expenses:

      • Fees of medical practitioners such as doctors, surgeons, and nurses are covered
      • Rental expenses, ICU, & OT charges, etc. are covered
      • Expenses related to modern treatment methods such as robotics surgery, stem cell therapy, oral chemotherapy, etc.
      • Medical costs related to pregnancy and childbirth are claimable as well
      • It also covers organ donor expenses
      • Moreover, optional air ambulance cover is also provided

      Inclusions of the Bajaj Allianz Extra Care Plus Super Top-up Plan

      Bajaj Allianz health Super top-up policy covers the following medical expenses:

      • The policy covers maternity expenses including maternity-related complications
      • Ambulance expenses can be claimed up to a maximum of Rs 3000
      • Robotic surgeries, deep brain stimulation, bronchial thermoplasty, stem cell therapy, oral chemotherapy, Intra vitreal injections, etc. are paid under this Super top-up plan
      • Maternity expenses up to a maximum of Rs 3000 are payable under Bajaj Allianz super top-up health plan
      • You can also file a claim for organ donor expenses
      • Moreover, optional air ambulance cover is also provided

      Policyholders can check out Bajaj Allianz Extra Care Plus Super Top-up and Bajaj Allianz Extra Care Top-up plans brochure for more coverage benefits. The same contains the premium chart as per your age, sum insured, and deductibles.

      Exclusions under Bajaj Allianz Extra Care Top-up and Extra Care plus Super Top-up Plan

      The following medical expenses are not covered under the Bajaj Allianz Top-up and Super top-up health plans:

      • New-born child care expenses
      • Dental treatment or surgery
      • Custodial Care or personal Care and rehabilitation-related expenses
      • Surgical treatments related to obesity and overweight
      • Cosmetic or plastic surgery-related expenses
      • Injuries sustained due to hazardous or adventure sports
      • Treatments using lasers such as eyesight correction 
      • Treatments related to alcoholism, drug abuse, and health consequences related to it
      • Treatments related to fertility and sterility.

      *The applicant may refer to the Bajaj Allianz health top-up plan brochure for a complete list of exclusions.

      FAQs

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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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