Bajaj Allianz Extra Care Plus
Bajaj
6.6/10
OneAssure Rating
6.6/10
OneAssure Rating
Highlighted Features
Co-Payment
Bajaj Extra Care Plus includes a co-payment clause where the policyholder must bear 20% of each claim amount. This applies to all admissible claims, ensuring shared responsibility while keeping premiums affordable.
Advanced Treatments
Covers cutting-edge procedures like robotic surgeries, stem cell therapy, oral chemotherapy, immunotherapy, stereotactic radio surgeries, and bronchial thermoplasty, ensuring access to essential and modern medical care.
Brochure
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
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.
Exclusions
Related Variants
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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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