Extra Care Health Plan

Bajaj Allianz General Insurance

Extra Care Health Plan is a unique plan that helps extend the health insurance cover.

This plan takes care of additional hospital expenses that are over and above the deductible amount.

The FEATURES of this policy are:

· Floater policy

· Pre-existing diseases are covered after a period of 4 years

· No medical test up to the age of 55 years

· Ambulance charges are covered subject to a maximum of Rs.3000

ELIGIBLE AGE:

· The entry age for the proposer is between 18 years to 70 years. A policy can be renewed till the proposer is 80 years of age

· Children from 3 months to 5 years of age are also eligible provided both their parents are insured with Bajaj Allianz

· Children from the age of 6 years to 18 years are eligible if one of their parents are insured with Bajaj Allianz

· Children from 18 years to 25 years can be covered as self proposer’s or as dependents

PREMIUMS:

This plan has 3 sum insured options to choose from:

SUM INSURED/DEDUCTIBLE	NO. OF MEMBERS	90 DAYS – 40 YEARS	41 – 60 YEARS	61 – 80 YEARS
PLAN A Rs.10 lacs/Rs.3 lacs	1 member 2 members 3 members 4 members 5 members	2500/- 3500/- 4025/- 4430/- 4870/-	3750/- 5250/- 6038/- 6645/- 7305/-	5900/- 8100/- 9255/- 10145/- 11115/-
PLAN B Rs.12 lacs/Rs.4 lacs	1 member 2 members 3 members 4 members 5 members	4500/- 5850/- 6435/- 7080/- 7645/-	5500/- 7150/- 7865/- 8655/- 9345/-	7900/- 10150/- 11125/- 12200/- 13145/-
PLAN C Rs.15 lacs/Rs.5 lacs	1 member 2 members 3 members 4 members 5 members	4750/- 6175/- 6795/- 7475/- 8070/-	5750/- 7475/- 8225/- 9045/- 9770/-	8150/- 10475/- 11485/- 12595/- 13570/-

A service tax of 10.3% will be added to the premium amounts mentioned above.

Like all other health insurance policies, the premium paid towards this is exempt from tax under Section 80D of Income Tax under the current Act.

EXCLUSIONS:

· Any pre-existing diseases/injuries that are there prior to or at the time of proposing this insurance but only for a period of 4 years

· Any disease contracted during the first 30 days of commencement of policy

· Non allopathic medicines

· Congenital disease or disorders

· All expenses arising from AIDS and related diseases

· Cosmetic, aesthetic or related treatment

· Use of intoxicating drugs or alcohol

· Joint replacement surgery (other than due to accident) shall have a waiting period of 4 years

· Any fertility, sub fertility, impotence or assisted conception operation or sterilization procedure

A Bajaj Allianz policy can be either bought online from www.bajajallianz.co.in or they may be contacted on their toll free numbers 1-800-225-858 or 1-800-102-5858

The ADVANTAGES of taking this plan from Bajaj Allianz are:

· Cashless facility at over 2400 hospitals across India

· A policyholder can also opt for hospitals other than the ones on the panel of Bajaj Allianz and money will be reimbursed within 14 days after submitting the documents

· Bajaj Allianz has an in-house claim administration department for quicker claim settlement

· This plan can be taken with any other health insurance policy

· Competitive premium rates under this plan