Life Insurance

Extra Care Plus plan

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A little for you and your loved ones to combat the rising Medical Inflation

  • Floater policy for proposer/spouse/dependent children/dependent parents (dependent parents under same policy)

  • Entry age from 91 days to 80 years

  • Access to cashless facility at over 5700 empanelled hospitals across India (subject to exclusions and conditions)

  • Wide range of aggregate deductible options*

  • No pre-policy medical tests up to 55 years of age (subject to clean proposal form)

  • Pre-existing disease covered after 12 months from your first Extra Care Plus policy

  • Life time renewal option

  • Free look period of 15 days

  • Free health check-up

  • Income tax benefit under 80 D of the IT Act





Bajaj Allianz General Insurance Co. Ltd.

GE Plaza, Airport Road, Yerawada, Pune - 411006. Reg No.: 113. | CIN - U66010PN2000PLC015329  | UIN -

For more details, log on to : or call at : Sales - 1800 209 0144 / Service - 1800 209 5858 (Toll Free No.)




YES BANK Limited is the Corporate Agent of Bajaj Allianz General Insurance Company Ltd.  Registered Office: YES BANK Limited, Nehru Centre, 9th Floor, Discovery of India, Dr. A.B. Road, Worli, Mumbai – 400 018. IRDAI Corporate Agent Registration No: CA0125 The purchase of a Bajaj Allianz General Insurance Company Ltd product by YES BANK’s customer is purely on a voluntary basis. As YES BANK is not in the business of insurance, there is no link either direct or indirect between the banking services offered by the bank to its customers and use of the insurance products. The benefits/features of products are indicative and for more details on risk factors and Terms and Conditions, please read the sales brochure before concluding a sale.

features and benefits


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


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


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


  • 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


Learn more about the finer points of the policy like eligibility, restrictions, voluntary deductibles, etc.

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:



Deductible Amount (Paid by your existing health policy or by you)



3 lakhs



4 lakhs



5 lakhs



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