What is Extra Care Policy and what are its benefits?

Extra Care Policy is a top-up health cover over your existing health/ hospitalization policy. This policy can be taken as an add-on cover to your existing hospitalization policy. In case of higher expenses due to illness or accidents, when the existing policy sum insured gets exhausted, the Extra Care policy takes care of the additional expenses.

I have been covered under the Health-Guard policy for the last 4 years. What are the benefits?

If you are covered under any hospitalization policy without any break in the continuity, benefits would be passed under the Extra Care policy. In case you have been covered under our Health-Guard policy for 5 years, continuity would be given for the 4 years waiting period of pre-existing illness and joint replacement surgery.

What is the entry age for this policy?

If your insured child (under 12 years) is hospitalised, you are eligible for a daily cash benefit of ₹500 per day, covering reasonable accommodation expenses for up to 10 days per policy year, allowing you to stay with them.

What are pre and post-hospitalization expenses?

The relevant expenses (investigation expenses, medicines, etc.) incurred before and after the hospitalization period. Under Extra Care we cover 60 days pre-hospitalization expenses and 90 days post-hospitalization expenses which are related to the hospitalization claim.

I have lost my membership card, what do I do?

If you lose your membership card, please call our Toll Free No. 1800-22-5858 and report the loss immediately. A duplicate card will be issued to you within 7 days of reporting the loss. Extra charges will be applicable to issue a duplicate card. The information given above is indicative. Please refer to the policy wording and brochure for details.

Who is eligible to buy the Extra Health Care Plus Plan?

The Bajaj General Insurance’s Extra Care Plus plan is ideal for individuals or families who already have a base health policy or wish to add an affordable top-up. It’s suitable for salaried individuals, self-employed persons, and parents seeking additional protection against rising medical costs beyond a specific deductible limit.

How does the Extra Health Care Plus Plan differ from a regular health insurance policy?

Unlike a regular health plan, the Extra Care Plus policy from Bajaj General Insurance is a super top-up coverage that activates after a defined deductible amount has been met. It provides high-value protection at lower premiums, making it ideal for supplementing your base policy and extending coverage without significantly increasing your insurance costs.

What is the minimum and maximum entry age for the Extra Health Care Plus Plan?

For adults, the minimum entry age is 18 years, and the maximum is 80 years. For children, coverage ranges from 91 days to 25 years if at least one parent is covered under the Bajaj Extra Care Plus policy, ensuring early protection for families and dependents.

Can I purchase the Extra Health Care Plus Plan without a base health insurance policy?

Yes, you can buy the Bajaj General Insurance Extra Care Plus policy even without a base plan. However, claims will be payable only after the aggregate deductible is exhausted. It’s best suited as a secondary policy to cover large hospital expenses exceeding your current policy’s coverage limit.

Does the Extra Health Care Plus Plan offer tax benefits?

Yes, the Extra Care Plus policy offered by Bajaj General Insurance provides tax deductions under Section 80D of the Income Tax Act. You can claim tax benefits on premiums paid for yourself, spouse, dependent children, or parents, subject to applicable limits and policy conditions.

Does the Extra Health Care Plus Policy cover daycare procedures?

Yes, Bajaj Extra Care Plus covers daycare procedures that do not require 24-hour hospitalisation. These include advanced medical treatments like chemotherapy, dialysis, and minor surgeries, provided the total cost exceeds the deductible.

Are maternity and newborn expenses covered under the Extra Health Care Plus Policy?

Maternity expenses are covered under the Bajaj General Extra Care Plus policy, subject to a 12-month waiting period. Coverage includes lawful termination of pregnancy and complications. Newborn baby expenses are also included under the sum insured.

Does the Extra Health Care Plus Policy cover pre- and post-hospitalisation expenses?

Yes, the Extra Care Plus policy covers pre-hospitalisation expenses for up to 60 days and post-hospitalisation for up to 90 days, including diagnostic tests, consultations, and follow-up care related to the primary hospitalisation event.

Are wellness programs included in the Extra Health Care Plus Policies?

The plan focuses primarily on hospitalisation benefits and does not include dedicated wellness programs. However, policyholders can access preventive health check-ups depending on the number of insured members.

What optional riders are available with Extra Health Care Plus Policies?

The plan offers optional riders, including Air Ambulance Cover, with limits of ₹2, 5, or 10 lakhs. These add-ons enhance financial security during emergencies requiring critical medical transfers.

Is cashless treatment available with the Extra Health Care Plus Plan?

Yes, Bajaj General Extra Care Plus supports cashless treatment across a vast network of hospitals in India. Once the deductible is met, policyholders can utilise cashless services.

Does the Extra Health Care Plus Plan cover OPD consultations and treatments?

No, the Extra Care Plus Plan does not cover OPD consultations, diagnostic visits, or medicines unless linked with hospitalisation. It focuses strictly on inpatient care.

Is pre-authorisation mandatory for planned treatments under the Extra Care Plus Plan?

Yes, pre-authorisation is mandatory for planned treatments. It ensures smoother cashless processing, policy compliance, and reduces the chances of claim rejection.

How long does it take to process an Extra Health Care Plus Plan claim?

The claim process is usually completed within a few working days. Timely submission of documents, pre-authorisation, and using network hospitals helps expedite approvals.

How can I check the status of my Extra Health Care Plus claim online?

You can check claim status by logging into the Bajaj General Insurance customer portal or using the mobile app. Enter your claim reference number or policy details for updates.

Do I need a health check-up while renewing the Extra Health Care Plus Plan?

Health check-ups are usually not required if the plan is renewed within the grace period. However, underwriting may apply if there's a gap or health condition changes.

What happens if I miss renewing the Extra Health Care Plus Plan before expiry?

A grace period is provided. If not renewed within this window, the policy lapses, continuity benefits are lost, and fresh underwriting will be required.

Can I modify or add riders during renewal of the Extra Health Care Plus Plan?

Yes, you can add optional covers like Air Ambulance or modify the sum insured during renewal, subject to underwriting approval.

Will the no-claim bonus continue after renewal?

The plan does not explicitly offer a no-claim bonus. However, timely renewals ensure continuity benefits and prevent loss of accumulated advantages.

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ક્રિટિકલ ઇલનેસ ઇન્શ્યોરન્સ

Name: Buy Extra Health Care Plus: A Super Top Up Plan
Brand: Bajaj General Insurance
Rating: 4.7 (1208 reviews)

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