Extra Care Plus Rider

Extra Care Policy is a top-up health cover over your existing health/hospitalisation policy. This policy can be taken as an add-on cover to your existing hospitalisation 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.

If you are covered under any hospitalisation 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.

Entry age to enjoy the benefits of the Extra Care Plus top-up health plan is 91 days to 80 years.

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

If you lose your membership card, please call our toll-free number 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 for issuing a duplicate card. The information given above is indicative. Please refer to the policy wording and brochure for details.

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.

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.

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.

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.

Yes, the Extra Care Plus policy offered by Bajaj General Insurance provides tax deductions under Section 126 of the Income Tax Act, 2025. You can claim tax benefits on premiums paid for yourself, spouse, dependent children, or parents, subject to applicable limits and policy conditions.

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.

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. 

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.

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.

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.