Extra Care is a top up health insurance plan that allows you to extend your existing health insurance cover. If the sum insured of your existing health insurance plan does not suffice for expenses due to illness or accidents, Extra Care health insurance policy takes care of the additional hospitalization expenses.
Features
It's just a top-up to your health insurance - but it'll take care of the worst.
• This is a floater policy; thus there will be a single sum insured and single premium for the whole family
• Competitive premium rates
• High deductible health insurance product
• No medical tests up to 55 years of age, subject to a clean proposal form
• Pre-existing diseases will be covered after 4 years
• Continuity for waiting periods would be given for any indemnity cover irrespective of sum insured in the earlier policy
• The policy covers ambulance charges in case of emergency subject to a maximum of INR 3000
BENEFITS
The Extra Care policy provides you with emergency medical cover in case your regular policy falls short of your needs.
• Can be taken as an add-on policy with any health insurance policy
• Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law
• Premium starting at INR 2500 p.a. with sum insured options of INR 10, 12 or 15 lakhs
COVERAGES
Though the premium begins at INR 2500, the health cover provided goes up to INR 15 lakhs.
• Medical Expenses: Covered up to the sum insured
• Ambulance Charges: Up to INR 3000
• Pre and Post Hospitalisation: Up to 60 and 90 days respectively.
• Waiver for Pre-existing Diseases: After 4 years of continuous policy.
• Floater Policy (up to 3 children): Single sum insured for the whole family.
• Continuity: Continuity for waiting periods will be given for any policy at any sum insured.
• Pre-acceptance Medical Test: No test till 55 years of age for clean proposals.
• Entry Age 3 months-70 years: Renewable up to 80 years.
• Affordable Premium: Starting at INR 2500
Exclusions:
• Pre-existing diseases/injuries
• Disease contracted during first 30 days of policy
• Joint replacement surgery (except due to accidents) shall have a 4-year waiting period
• War, invasion, acts of foreign enemies
• Circumcision, cosmetic or aesthetic treatment
• Any form of plastic surgery
• The cost of spectacles, contact lenses, hearing aids, crutches, artificial limbs, dentures, artificial teeth and all other external appliances
• Dental treatment
• Convalescence, general debility or weakness
PLAN DETAILS
Learn more about the finer points of the policy like eligibility, restrictions, voluntary deductibles, etc.
For example, if you have INR 3 lakhs health insurance cover from your employer and your hospitalisation bill is INR 10 lakhs for a single hospitalisation, then you would use the insurance policy from your employer to pay the first INR 3 lakhs of the expenses and then pay the remaining INR 7 lakhs using the Extra Care policy. The expense paid by your existing insurance policy or by you is called the Deductible Amount. Extra Care specifies a Deductible Amount for each sum insured option. The 3 sum insured and the corresponding deductible amounts are listed here:
Voluntary Deductibles:
| Sum insured |
Deductible Amount (Paid by your existing health policy or by you) |
| 10 lakhs |
3 lakhs |
| 12 lakhs |
4 lakhs |
| 15 lakhs |
5 lakhs |
*(YES Bank Limited is a corporate agent of Bajaj Allianz General Insurance Company Ltd. Corporate Agency License no 1977696. Registered Address: 1st Floor, G.E. Plaza, Airport Road, Yerawada, Pune - 411006. Insurance is the subject matter of the solicitation. Advertisement Reference Number - Insurance/BAGIC/Website/A-00011)
