Bajaj Allianz Extra care Insurance

  Benefits
Perfect health protection for you and your family. It takes care of the medical treatment costs incurred during hospitalisation due to sudden accident or illness. This policy can be taken as on add on also. In case of higher expenses due to illness or accidents extra case policy takes care of the additional expenses.

  Special features
  • Floater Policy with the single premium for the family
  • Competitive premium rates
  • Waiver of the medical tests up to 55 years subject to no adverse medical history
  • Continuity for waiting periods would be given on the base hospitalisation policy.
  • The policy covers ambulance charges in case of emergency subject to a maximum of Rs 3000
  • Income tax benefit under Sec80 D of the IT act on the premiums paid for this policy

  What is covered under this policy?
  • This policy covers hospitalisation expenses in excess to the specified deductible amount.
  • Deductible amount is applicable as per the plan opted
  • This policy also covers Pre and Post hospitalisation expenses for 60 and 90 days respectively
  • Ambulance charges Rs 3000/- per hospitalisation.

  Who can be covered under this policy?
  • Self,spouse and 3 dependents children can be under the policy
  • Dependents parents can also be covered under this policy, a separate policy would be issued for parents.
  • This policy also covers Pre and Post hospitalisation expenses for 60 and 90 days respectively
  • Ambulance charges Rs 3000/- per hospitalisation.

  Key Highlights
  • Age of entry for proposer, spouse and parents is 18yrs - 70 years.
  • Children from 3 months - 25 years can be covered as dependents
  • This policy also covers Pre and Post hospitalisation expenses for 60 and 90 days respectively
  • Ambulance charges Rs 3000/- per hospitalisation.

  Exclusions
  • All diseases/illnesses existing prior to or at the time of proposing this insurance for a period of 4 years.
  • Any diseases contracted during the first 30 days of inception of the policy.
  • Congenital diseases and disorders.
  • Non-allopathic medicine.
  • Joint replacement surgeries other than due to accident would have a waiting period of 4 years.
  • All expenses arising out of AIDS and related diseases.
  • Cosmetic and aesthetic treatments.
  • Use of intoxicating drugs or alcohol.
  • Any fertility, sub-fertility, impotence, assisted conception operation, or sterilization procedure.

  Deductibles
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.)
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