How does the waiting period affect my coverage?

The Bajaj Allianz Extra Care Plus policy imposes a 12-month waiting period for pre-existing diseases.

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

If no claims are made during the policy year, there is no provision for a no-claim bonus or increased coverage in the subsequent year.

Will my health insurance cover treatment abroad?

This policy does not cover treatments conducted outside India.

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Health Insurance

Bajaj

Extra Care Top-up

Extra Care

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

7

Customer Rating

Get a Quote

96

Claim Settlement Ratio

12500

Network Hospitals

7

Customer Rating

Our Verdict

Expert Review: Bajaj Health Insurance

Final Verdict

The Bajaj Allianz Extra Care Policy provides additional coverage beyond existing health plans at affordable premiums, ideal for those seeking enhanced protection without higher costs, with tax-saving benefits as well.

About

About Bajaj Health Insurance

Bajaj Allianz's Extra Care Policy is a top-up health insurance plan designed to provide additional financial protection beyond your existing health coverage. It offers higher sum insured options at affordable premiums, ensuring that substantial medical expenses don't strain your finances. The policy covers in-patient hospitalization costs, pre- and post-hospitalization expenses, and daycare treatments. Notably, it includes coverage for pre-existing diseases after a specified waiting period. Additionally, policyholders can benefit from tax deductions under Section 80D of the Income Tax Act for the premiums paid. This plan is ideal for individuals seeking to enhance their health insurance coverage without incurring significantly higher premiums.

Bajaj Allianz's Extra Care Policy is a top-up health insurance plan designed to provide additional financial protection beyond your existing health coverage. It offers higher sum insured options at affordable premiums, ensuring that substantial medical expenses don't strain your finances. The policy covers in-patient hospitalization costs, pre- and post-hospitalization expenses, and daycare treatments. Notably, it includes coverage for pre-existing diseases after a specified waiting period. Additionally, policyholders can benefit from tax deductions under Section 80D...

Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Insurance Company Limited

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

Co-payment

Mandatory co-payment of around 20% for each claim.

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.

Cashless Healthcare Providers

18,400+ Network Hospitals across India.

Daycare Treatment

Covers treatment or surgery that requires less than 24 hours hospitalization

AYUSH Treatment

Covers in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute or registered AYUSH hospital.

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

Co-payment

Mandatory co-payment of around 20% for each claim.

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Exclusions

War-related events, including invasion, civil war, and insurrection.
Cosmetic or plastic surgery, unless required due to accidental injury.
Expenses for contact lenses, spectacles, hearing aids, and other external devices.
Dental treatments, unless necessitated by accidental injury.
Treatment of congenital diseases or anomalies.
Intentional self-injury, suicide, or attempted suicide.
HIV/AIDS and sexually transmitted diseases.
Hospitalization primarily for diagnostic purposes.

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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...