How does the waiting period affect my coverage?

A 30-day general waiting period applies, while pre-existing conditions are covered after 12 months. Some illnesses have specific waiting periods.

What happens if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured each claim-free year, allowing you to accumulate additional coverage without extra cost.

Will my health insurance cover treatment abroad?

The policy primarily covers treatment within India. International coverage is not included, but additional global health plans can be considered separately.

What is the coverage limit of Bajaj Allianz Extra Care Plus?

The Bajaj Allianz Extra Care Plus plan offers sum insured options ranging from ₹3 lakh to ₹50 lakh, providing flexibility to choose coverage that suits your needs.

Does Bajaj Allianz Extra Care Plus cover daycare procedures?

Yes, the Bajaj Allianz Extra Care Plus plan covers daycare procedures.

OneAssure

Health Insurance

Bajaj

Extra Care Plus

Bajaj Allianz Extra Care Plus

Experience India's most trusted health insurance with Bajaj Health Insurance. Get instant cashless treatment at 12500 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

12500

Network Hospitals

6.6

Customer Rating

Get a Quote

96

Claim Settlement Ratio

12500

Network Hospitals

6.6

Customer Rating

Our Verdict

Expert Review: Bajaj Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

Final Verdict

Bajaj Allianz Extra Care Plus offers additional coverage once your base policy is exhausted, with optional add-ons like critical illness and air ambulance cover. Ideal for those seeking extra protection against high medical costs.

About

About Bajaj Health Insurance

Bajaj Allianz Extra Care Plus is a top-up health insurance plan designed to supplement your existing health insurance coverage. It acts as a financial safety net, kicking in once your base policy's sum insured is exhausted. This helps protect you from the burden of escalating medical costs, especially for major illnesses or prolonged hospitalizations. Extra Care Plus offers a range of sum insured options, allowing you to choose the level of additional coverage you need. It covers hospitalization expenses, including room charges, ICU charges, doctor's fees, and more. By providing an extra layer of financial protection, Bajaj Allianz Extra Care Plus helps you bridge the gap between your existing coverage and actual medical expenses, ensuring you're not left paying out-of-pocket for substantial healthcare costs.

Bajaj Allianz Extra Care Plus is a top-up health insurance plan designed to supplement your existing health insurance coverage. It acts as a financial safety net, kicking in once your base policy's sum insured is exhausted. This helps protect you from the burden of escalating medical costs, especially for major illnesses or prolonged hospitalizations. Extra Care Plus offers a range of sum insured options, allowing you to choose the level of additional coverage you need....

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

Cashless Healthcare Providers

12500+

Daycare Treatment

Day Care Treatments are Covered.

Room Rent

Normal: Up to Sum Insured
ICU: Pay up to actual ICU expenses provided by the Hospital

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy

Waiting Period

Pre-existing Diseases waiting period: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Health Guard Policy.
Specified disease/procedure waiting period:Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Health Guard Policy. This exclusion shall not be applicable for claims arising due to an accident.
30-day waiting period:Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.

Co-payment

Voluntary Copay Discount: Bajaj Health Extra care plus offers a voluntary copay discount of 10% or 20%. This means you can choose to pay a portion of the claim amount yourself (10% or 20%), and in return, you'll get a discount on your premium.
No Mandatory Copay: There is no mandatory copayment under the standard Bajaj Extra Care Plus. You can choose a plan with no copayment at all.
Copay Options: The copay options are typically 10% or 20% of the claim amount. The higher the copay percentage, the higher the discount on your premium.

AYUSH Treatment

AYUSH Treatments are covered up to Sum insured

Cashless Healthcare Providers

12500+

Daycare Treatment

Day Care Treatments are Covered.

Room Rent

Normal: Up to Sum Insured
ICU: Pay up to actual ICU expenses provided by the Hospital

Pageof 3

Exclusions

Pre-existing diseases are not covered for the first 24 months.
Specific treatments such as ulcers, cataracts, hernias, and joint replacements are excluded in the first year.
Maternity expenses, including childbirth and newborn care, are excluded for the first 24 months.
Dental treatments are not covered unless required due to accidental injury.
Cosmetic or plastic surgery is excluded unless medically necessary due to burns, cancer, or accidents.
Non-allopathic treatments like Ayurveda, Homeopathy, and Unani are not covered.
Treatment for HIV, AIDS, and related conditions is excluded.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

About the company

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers a comprehensive range of protection, savings, investment, retirement, and group insurance solutions designed to meet diverse customer needs across life stages. The company serves a large customer base of over 3.8 crore policyholders and manages assets exceeding ₹1.2 lakh crore, reflecting its scale and financial strength. The company maintains a...

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers...