OneAssure

Health Insurance

Bajaj

Extra Care Plus

Bajaj Extra Care Plus

Buy this super top-up with or without another health policy, and it pays hospitalisation, day care and listed modern treatments only after your aggregate deductible for the year is crossed.

96%

Claim Settlement Ratio

8,000+

Network Hospitals

5.5/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Bajaj Extra Care Plus

Final Verdict

Bajaj 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

What Is Extra Care Plus?

Bajaj 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 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.

Plus Ratings

Plus

Insurer Rating

8.52

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Bajaj Extra Care Plus Inclusions and Exclusions

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.

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

Cashless Healthcare Providers

12500+

AYUSH Treatment

AYUSH Treatments are covered up to Sum insured

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.

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.

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About the company

About Bajaj

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 strong track record of customer trust, with a claim settlement ratio of ~97% and a robust solvency position, underscoring its ability to meet long-term obligations.