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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Extra Care Policy

Bajaj General Extra Care is the health and wealth protection policy fo ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

About Bajaj General Extra Care Policy

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

Extra Care policy is an additional layer of protection that ensures adequate health coverage.

Sometimes, it's not enough to have a health insurance policy. However, when an individual has unfortunately met with an accident or there's a major emergency, the base sum insured can get quickly exhausted. As a matter of fact, the cost of medical treatment nowadays is an expensive affair that most of us can't afford.

Bajaj General Extra Care is the health and wealth protection policy for your family that takes care of hospitalization and other medical expenses. You can buy this top-up plan as an add-on cover to your regular health policy to beat higher expenses due to accidents/illnesses. It will work beyond your base policy covering the medical expenses related to pre and post-hospitalization, ambulance services, modern treatment, and so on.

Read on to learn more about the Extra Care top-up policy.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 3 months - 25 years, Adult: 18-70 years
Plan type
Top Up and Super Top Up
Sum insured options
₹10 L, ₹11 L, ₹12 L, ₹13 L, ₹14 L, ₹15 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-house claim settlement
  • Global expertise
  • Quick disbursement of claims

Cons

  • War
  • Cost of spectacles
  • Rest and rehabliation

Benefits of Buying Bajaj General Extra Care Plan

  • No medical test

    Avail waive off benefit to pre-policy health check-ups if you're below or equal to 55 years of age, given that there's no adverse medical history.

  • Tax benefits

    Avail tax benefits against paid premiums under Section 80D of the Income Tax Act.

  • Specified deductible options

    Hospitalization due to any condition (that is mentioned in policy documents) is subject to a deductible imposition.

  • Modern treatment

    The plan covers some of the conditions that require modern advancements or extended medical support. Here's a list of modern treatments covered by the Extra Care policy: Uterine Artery Embolization and HIFU Balloon Sinuplasty, Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as an injection Intra vitreal injections, Robotic surgeries Stereotactic radio surgeries, Bronchial Thermoplasty, The vaporisation of the prostrate (Green laser treatment or holmium laser treatment), IONM -(Intra Operative Neuro Monitoring), Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Bajaj General Extra Care Policy are:
  • PEDs or illnesses/diseases caused after the commencement of the policy are not covered for 4 years (policy period)
  • Diseases caused within 30 days from the date of policy commencement
  • Congenital diseases
  • Non-allopathy medications
  • Joint replacement surgeries (covered after 4 years from policy commencement)
  • AIDS/related diseases
  • Beauty/cosmetic/plastic surgeries
  • Drug abuse, alcoholism, and complications arising due to the same
  • Fertility, sterilization, assistive conception treatment, etc

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Other features & benefits

Summary

Bajaj General Extra Care policy provides financial aid for the additional expenses due to an accident/illness. It helps you and your family to cover the medical and hospitalization expenses over and above your base health insurance policy.

Do you still have a query about this plan? Reach out to us at 1800 4200 269.

Bajaj General Extra Care Policy: FAQs

The 3 most-asked questions about Bajaj General Extra Care Policy, answered.

Yes, you can avail of the tax benefits under Section 80D of the Income Tax Act, upto INR 1 Lakh against all the paid premiums.
An individual between the ages of 18 to 70 can buy this policy on a family floater basis.
Yes, you can still buy this top-up plan as a standalone policy. The given condition is that the insured has to pay the specified deductible on every hospitalization.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 31 Jan 2025 · Originally published: 31 Jan 2025

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