Plan Overview
Bajaj Allianz Extra Care Plus is a powerful Super Top-up plan designed to bolster your current medical coverage. It aggregates all hospitalizations in a year to cross the deductible, providing a massive safety net at a very low premium cost.
Key Features
Aggregate Deductible
The deductible limit applies to the total of all claims made in a policy year, not just a single hospitalization.
Short Waiting Period
Waiting period for maternity benefits is just 12 months, which is one of the lowest in the industry.
No High-End Check-ups
No pre-policy medical check-ups required up to 55 years (subject to no PED).
All Daycare Covered
Extensive coverage for all daycare procedures that require less than 24 hours of hospitalization.
Unique Selling Points (USP)
Respect Rider
Exclusive emergency assistance and concierge services tailored specifically for senior citizens.
Health Prime
Optional OPD cover for doctor consultations, diagnostics, and dental/wellness benefits.
Air Ambulance
Optional rider providing emergency air evacuation up to ₹10 Lakhs during critical medical situations.
Cumulative Bonus
Get up to 150% more sum insured for claim-free years, ensuring value even when you don't use it.
Eligibility & Plan Details
Entry Age
-
Adults: 18 years to 80 years
-
Children: 91 days to 25 years (family floater)
-
Renewal: Lifelong renewal available
Coverage Options
-
Sum Insured: ₹3L to ₹50L
-
Deductibles: ₹2L, ₹3L, ₹4L, ₹5L, ₹10L, ₹15L
-
Policy Term: 1, 2, or 3 years
Comprehensive Policy Benefits
- Room Rent: Up to Single Private A/C room (standard).
- Daycare Procedures: All advanced medical treatments covered.
- Pre/Post Hospitalization: 60 days before and 90 days after discharge.
- Organ Donor: Covers hospitalization expenses for the organ donor.
Maternity Benefits: Covered after a 12-month waiting period. Includes:
- Delivery Expenses
- Newborn Baby Cover
- Lawful Termination
AYUSH & Modern: Full coverage for Ayurveda, Unani, Siddha, and Homeopathy treatments, along with 12 listed modern robotic procedures.
- Initial Waiting: 30 days for any illness (except accidents).
- Pre-Existing Diseases: 48 months (can be waived with prior history).
- Specific Illnesses: 24 months for procedures like hernia, stones, etc.
Optional Add-ons
- Air Ambulance Cover
- Health Prime (OPD)
- Respect Rider (Senior Assist)
- Hospital Cash Daily Allowance
Key Exclusions
- Injuries due to adventure sports
- External birth defects (congenital)
- Addiction to alcohol or drugs
- Cosmetic or aesthetic treatments
Downloads & Resources
Interested in this Plan?
Get a personalized quote for your family today.
Get Expert Quote Call NowAre you an NRI? Special discounts and plans available.
Click here to learn more →