Extra Care
Bajaj Allianz
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Advanced Treatments Coverage
Covers cutting-edge procedures like robotic surgeries, oral chemotherapy, and stem cell therapy, ensuring access to the latest medical advancements without financial burden.
Room Rent (Normal & ICU)
Covers normal room charges up to the sum insured and actual ICU expenses as billed by the hospital, ensuring financial relief for hospitalization.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Up to Sum Insured
- ICU: Pay up to actual ICU expenses provided by the Hospital.
- Normal: Up to Sum Insured
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.
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.
Treatment related to pregnancy and childbirth, except ectopic pregnancy.
Inoculations or vaccinations, unless post-animal bite.
Nutritional supplements not prescribed as part of treatment.
Infertility or sub-fertility treatments.
Alternative treatments like Ayurveda, Homeopathy, or Unani.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Bajaj Allianz is a well-known insurance company in India. It helps people protect themselves, their families, and their belongings. It was started in 2001 as a partnership between Bajaj Finserv, a famous Indian company, and Allianz SE, a big insurance company from Germany.
The company provides general insurance, health insurance, and life insurance products. This helps you save for the future and protects your family.
Bajaj Allianz has grown fast and now has offices in over 1,100 cities across India. In 2025, Bajaj Finserv announced an agreement to acquire Allianz’s stake, which will make it the sole owner.
The company is known for good customer service, simple processes, and innovative products. Its main goal is to give people peace of mind, knowing they have support when they need it most.
About the Company
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