Health Insurance 1743 views September 7, 2020

Bajaj Allianz Extra Care Plus Plan

In this rising phase of medical cost, it becomes really necessary for many individuals to buy a health insurance plan. Health plans help the individuals to manage their medical emergencies and save their funds from washing away for the treatment. If you are willing to cover your medical expenses then you must take a look at the Bajaj Allianz Extra Care Plus Plan. This plan will give you a cover for the medical expenses, maternity expenses, organ donor expenses, and hospitalization expenses. On the other hand, there is no need for a medical check-up until the age of 55 years. So, you must explore all the key features and benefits of this plan before buying it.

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Features of Extra Care Plus Plan

  1. It is a Family Floater plan in which you can cover your spouse, dependent children, and dependent parents.
  2. The minimum age of entry in this policy is 91 days and a maximum of up to 80 years.
  3. There are various options of the Sum Assured is available in this plan.
  4. In-Patient Hospitalization, Pre-Hospitalization, and Post-Hospitalization Expenses are covered in this plan.
  5. You can add the Air Ambulance Cover as well in the same plan.
  6. The company will provide a cover for the road ambulance expenses.
  7. Get Income Tax Benefits under section 80D of the Income Tax Act.

Benefits of the Bajaj Extra Care Plus Policy

You can have a look at the features of this insurance plan in detail. See all the expenses that are covered in this plan and how it will help you during medical emergencies.

Medical Expenses Cover

If in case you are hospitalized on the doctor’s advice then the company will pay you the medical expenses during hospitalization. The claim amount will be decided by the company and will be transferred directly to the network hospitals.

In-patient Hospitalization Cover

The following expenses will be covered by the company if you are hospitalized.

  1. Room Rent/Boarding and Nursing Expenses
  2. ICU Rent/ Boarding and Nursing Expenses
  3. Fees of Medical Practitioner, Surgeon, Anaesthetist, Nurses, and Specialist Doctor
  4. Operation theatre charges, Anesthesia, surgical appliances, diagnostic tests, medicines, blood, oxygen, and cost of prosthetic and other devices

Pre-Hospitalization Cover

All the expenses incurred prior to 60 days of hospitalization will be covered in this plan. The pre-hospitalization expenses will only be covered if your in-patient claim is accepted by the company.

Post-Hospitalization Cover

All the expenses done after 90 days of discharge from the hospital are covered in the Bajaj Allianz Extra Care Plus Plan. This cover will only be given if your in-patient claimed is approved by the company.

Modern Treatment Cover

There are some modern treatments that are given below. The company will pay you 50% of the Sum Assured or Rs.5 lacs whichever is lower if you are going for the modern treatment.

  1. Uterine Artery Embolization and HIFU
  2. Balloon Sinuplasty
  3. Deep Brain stimulation
  4. Oral chemotherapy
  5. Immunotherapy- Monoclonal Antibody to be given as an injection
  6. Intravitreal injections
  7. Robotic surgeries
  8. Stereotactic radio surgeries
  9. Bronchial Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM -(Intra Operative Neuro Monitoring)
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

Maternity Expenses Cover

The maternity expenses are covered in this plan and the company will cover the following expenses:-

  1. Medical expenses for maternity including complications of maternity.
  2. Expenses towards lawful medical termination of pregnancy during the policy period.
  3. Inpatient Hospitalization Expenses of pre and post-hospitalization.
  4. There is a waiting period of 12 months in this policy.

Ambulance Expenses Cover

You will get a cover for the expenses of the road ambulance. The maximum road ambulance cover is up to Rs.3000 per hospitalization and it will be only given to you if your medical expenses claim is accepted by the company.

Organ Donor Cover

If you go through surgery for organ transplantation then the donor’s expenses will be covered in this policy. The reimbursement will be made for the following expenses:-

  1. Person whose organ has been made available.
  2. The organ donated is for the use of the Insured Person

Free Medical Check-up

Your medical check-up expenses will be reimbursed at the end of every continuous period of 3 years. The reimbursement will be:-

  1. Medical check-up expenses up to Rs.1000/- for a policy covering 1 member.
  2. Medical check-up expenses up to Rs. 2000/- for policies covering more than 1 member under the same policy

Other Details of Bajaj Allianz Extra Care Plus Plan

Minimum Age of Entry for Insured, Spouse, and Dependent Parents18 Years
Maximum Age of Entry for Insured, Spouse, and Dependent Parents80 Years
Minimum Age of Entry for Dependent Children3 Months
Maximum Age of Entry for Dependent Children25 Years
Policy Term Options1 Year, 2 Years, and 3 Years
Discount for the Policy Term of 2 Years4%
Discount for the Policy Term of 3 Years8%

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