Bajaj Extra Care Top Up Health Insurance is a top-up health insurance plan that allows one to extend existing health insurance cover by two/three times at a significantly lower cost, should the need arise. If the claim amount is more than the deductible, the amount above the deductible amount opted for will be payable by Bajaj Extra Care Top Up Health Insurance, up to the sum insured opted for. Deductible means the amount stated in the schedule which shall be borne by the insured with respect to each and every hospitalization claim incurred within the policy period. The company’s liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalization would be considered as a separate claim except relapse within 45 days, which will be treated as the same claim.
Main Features of Bajaj Extra Care Top Up Health Insurance
-Minimum Entry Age: 18
-Maximum Entry Age: 70
-Children from 3 months to 5 years can be covered if both the parents are insured under the same plan
-Children from 6 years to 18 years can be covered if either of the parents is covered with us
-Children from 18 years to 25 years can be covered as self-proposer or as dependents
-No pre-acceptance medical checkup up to 55 years of age, subject to a clean proposal form
-Pre-existing diseases covered after waiting period of 4 years
-This policy can be taken on Individual Basis and also on Floater basis
-A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals)
-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.
Benefits of Bajaj Extra Care Top Up Health Insurance
–In-Patient Hospitalization Expenses
–Pre and Post Hospitalization expenses
60 days and 90 days respectively
–Pre-Existing Diseases / Illness
Covered after 4 years of continuous Insurance without break with any Non Life Indian Insurance Company
-Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3000 per policy period
–A Bajaj Allianz Health Card which provides a number of discounts at health and fitness centers across the country.
-OPD discounts at select outlets.
-Discounts on Pathologies at select outlets.
-Discount on Radiology at select outlets.
-Discounts on Wellness Test at select outlets.
-Discounts on Pharmacy.
-Any diseases contracted during first 30 days of the policy start date
-Four years waiting period for joint replacement surgery unless such joint replacement surgery is necessitated by accidental bodily injury
-Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
-Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
-Cost of spectacles/contact lenses, dental treatment
-Medical expenses incurred for treatment of AIDS
-Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences