Bajaj Allianz Health Insurance Top Up Plans

Policyholders who are going through a rough medical patch in life and frequently find themselves exhausting their health insurance coverage can consider buying a top-up plan. This plan offers an additional sum insured in case the base policy is completely exhausted. If you decide to top up Bajaj Allianz health insurance, the top plan provides you health insurance coverage for in-patient hospitalisation to the insured as well as other basic covers. The only thing which the policyholders need to keep in mind is that the top up plan only kicks in if the deductible amount is spent. This deductible amount will be mentioned in the policy documents and can be spent via the basic health insurance cover or by the policyholder out of his or her own pocket. Bajaj Allianz top up plans are famous as they offer a high sum insured at affordable premiums.

This page will go over the top up policy of Bajaj Allianz health insurance.

Bajaj Allianz Health Insurance Top Up Plan Highlights

The highlights of the Bajaj Allianz health insurance top up plan includes:

• The plan’s entry age is set up to 80 years of age
• Pre-policy medical screening is not required for insured under the age of 55 years
• Entire family floater coverage is offered
• The plan covers pre-existing diseases
• Daycare procedures are covered under the Bajaj Allianz health top up policy.
• Emergency ambulance cover is provided.
• Maternity cover is provided.

Types of Bajaj Allianz Health Top Up Plans

Bajaj Allianz offers two health insurance top up policies:

1. Bajaj Allianz Extra Care Policy

2. Bajaj Allianz Extra Care Plus Policy

Bajaj Allianz Top Up Plans: Key Features and Benefits

If you are still looking for reasons to buy Bajaj Allianz top up health insurance plans, here are the plan benefits which makes it better than another top up health insurance policies:

1. Health Check-up

Bajaj Allianz Extra Care Plus Policy offers free health check-up coverage. The policy helps you identify major illnesses before they get out of hand, enabling you to act on your plan quickly and prevent much pain and suffering during unfortunate circumstances.

2. Competitive Premium Rates

Bajaj Allianz top up health insurance policy offers competitive premium rates. It offers one of the best top up policies for you and your family and can help you get complete protection of your family from serious health risks. The policy is affordable at first glance. It has an online claim facility, an easy claim process and a responsive support team.

3. No Pre-policy Medical Screening

Bajaj Allianz top up health insurance policy is an easy way to get affordable medical schemes at affordable premium costs. No pre-policy approval medical screening is required for customers below the age of 55 years and looking to buy a Bajaj Allianz top up health insurance policy.

4. Tax Benefits

Every health insurance policyholder receives tax breaks on the premiums payable under Section 80D of the Income Tax Act. As per this section, policyholders who are paying premiums will get tax benefits up to a certain limit on their taxable income. For people under the age of 60 years, this limit is INR 25,000 which also includes a preventive healthcare check-up tax break of INR 5,000. However, for individuals above 60 years, this limit is extended to INR 50,000 with INR 5,000 preventive healthcare check-up tax break. 

Inclusions of the Bajaj Allianz Health Insurance Top Up Policy

Here is a list of coverages under Bajaj Allianz health insurance top up plans:

Bajaj Allianz Extra Care Policy Coverage:

• In-patient hospitalisation
• Pre-hospitalisation expenses (60 days)
• Post-hospitalisation expenses (90 days)
• Ambulance expenses
• Modern treatment
  1. HIFU and uterine artery embolization
  2. Deep brain stimulation
  3. Balloon stimulation
  4. Immunotherapy
  5. Oral chemotherapy
  6. Robotic surgeries
  7. Intra vitreal injections
  8. Bronchical thermoplasty
  9. Stereotactic radio surgeries
  10. Prostate vaporisation
  11. Stem cell therapy
  12. IONM

Bajaj Allianz Extra Care Plus Policy Coverage:

• In-patient hospitalisation
• Pre-hospitalisation expenses (60 days)
• Post-hospitalisation expenses (90 days)
• Day care treatments
• Modern treatment
  1. HIFU and uterine artery embolization
  2. Deep brain stimulation
  3. Balloon stimulation
  4. Immunotherapy
  5. Oral chemotherapy
  6. Robotic surgeries
  7. Intra vitreal injections
  8. Bronchical thermoplasty
  9. Stereotactic radio surgeries
  10. Prostate vaporization
  11. Stem cell therapy
  12. IONM
• Maternity expenses
• Ambulance expenses
• Organ donor expenses
• Free healthcare check-up
• Air ambulance expenses (optional coverage)

Exclusions of the Bajaj Allianz Health Insurance Top Up Policy

Here is a list of exclusions under Bajaj Allianz health insurance top up plans:

• Pre-waiting diseases within their respective waiting terms
• Medical expenses within waiting period of the diseases
• Medical expenses within 30 days of policy acquisition
• Circumcision (unless required for treatment)
• External medical appliances like spectacles, hearing aids, dentures and contact lenses
• Evaluation and investigation of diseases or injury without treatment
• Rehabilitation, rest cure and respite care
• Weight control or obesity treatment
• Gender swap treatment
• Plastic or cosmetic surgery
• Adventure or hazardous sports
• Breach of law
• Treatment from excluded healthcare providers
• Purchase of dietary supplements and/or substance without genuine doctor prescription
• Refractive error below 7.5 dioptres
• Unproven medical treatments
• Infertility and sterility treatments
• Self-injury
• Injuries or illness due to war activities
• Inoculation or vaccination (unless required for treatment)
• Alternative treatment
• Non-medical items defined in policy wordings
• Outside India treatments
• Sexually transmitted illnesses or diseases
• Surgical treatment for hypertrophied turbinate and deviated septum correction
• Dental treatment (unless required for accidental hospitalisation treatment)
• Custodial care treatment

Eligibility Criteria

Here is a list of eligibilities of Bajaj Allianz health insurance top up plans:

1. Bajaj Allianz Extra Care Policy

2. Bajaj Allianz Extra Care Plus Policy

Things to Consider When Buying Bajaj Allianz Health Insurance Top Up Plans

Here is a list of pointers you need to keep in mind when buying Bajaj Allianz health insurance top up plans:

• Insured sum amount

This is the amount of coverage you receive if you buy a top-up policy from Bajaj Allianz. However, it is important to understand this amount is proportional to the amount of premium you have to pay. So, the amount of money you are paying will determine the amount of coverage you will get.

• Deductible amount

Deductible amount is the amount you have to pay before the top-up coverage kicks in. This amount can either be self-funded by the policyholder or settled by the basic health insurance policy. A lower deductible amount means you have to pay a lesser amount to receive the top-up coverage.

• Age Requirement

Policyholders need to be aware of the eligibility requirements of the plans they are opting for. So, if they are currently in the age range of 18-70 years, they can apply for both top-up plans. However, if they are above 70, they can only apply for super top-up health insurance coverage under Bajaj Allianz Extra Care Plus Policy. Dependent children are covered from 3 months to 25 years of age under this Bajaj Allianz health super top up  insurance plan.

How to Buy Bajaj Allianz Health Insurance Top Up Policy?

Purchase Bajaj Allianz health insurance top up policy on the official website of the insurer. Once on the homepage, you have to click ‘Insure’ on the menu. From there, you have to select ‘Health insurance’. From the dropdown menu, you need to click on ‘top up health insurance’. Once you are on the product page, you have to generate a quote by selecting the ‘get quote’ button. Then you have to provide basic information about yourself, and you will be provided with health insurance quotes. After receiving the amount, you need to pay it online to receive your health insurance coverage.