BEST HEALTH

INSURANCE IN
INDIA

EXTEND YOUR HEALTH INSURANCE

COVERAGE WITH EXTRA CARE

Introduction:
When it comes to health insurance, theres no
one-size-fits-all plan that you can rely on. Of the
numerous plans in the market, you will find that
each is unique in some way, with its own
benefits and limits. This makes purchasing
health insurance a difficult task where
painstaking research is sometimes required,
before you find the right plan for you..

How To Choose Health Insurance :

According to a survey conducted by Bajaj Allianz on

how happy people are with their existing health
insurance plan, more than 60% participants reported
that they fear that their health insurance plan may not
suffice in case of a serious or long ailment. The reason
for this is that most often the Sum Insured opted by an
individual in a Health Insurance plan is quite low. Bajaj
Allianz Extra Care is a unique 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..

For example, if you have a 3 lac health insurance cover from

your employer and your medical bill is 10 lakh, then you
would use the insurance policy from your employer to pay the
first 3 lac of the expenses and then pay the resultant 7 lac
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 sum
insured and the corresponding deductible amount is listed
here:
Sum insured Deductible Amount (Paid by your existing health
policy or by you)
10 lakh

3 lakh

12 lakh

4 lakh

15 lakh

5 lakh

Features of Extra Care

This is a floater policy, single sum insured and single premium

for the whole family

Very competitive premium rates (see premium chart below)

No medical tests required upto 55 years (subject to a clean

proposal form )

Pre-existing diseases 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 Rs 3000
Benefits

Can be taken as add-on policy with any health

insurance policy

Income tax benefits u/s 80D

Premium starting at Rs.2500 p.a with Sum Insured

options of Rs.10, 12 or 15 lakhs

Sum Insured / Deductable Number of members

Plan A
1000000/300000

Plan B
1200000/400000

Plan C
1500000/500000

90 days-40 yrs

41 yrs- 60 yrs

61 yrs- 80 yrs

1 MEMBER

2500

3750

5900

2 MEMBER

3500

5250

8100

3 MEMBER

4025

6038

9255

4 MEMBER

4430

6645

10145

5 MEMBER

4870

7305

11115

1 MEMBER

4500

5500

7900

2 MEMBER

5850

7150

10150

3 MEMBER

6435

7865

11125

4 MEMBER

7080

8655

12200

5 MEMBER

7645

9345

13145

1 MEMBER

4750

5750

8150

2 MEMBER

6175

7475

10475

3 MEMBER

6795

8225

11485

4 MEMBER

7475

9045

12595

5 MEMBER

8070

9770

13570

Note about Claim Process:

The claim under cashless and reimbursement would be admissible in excess of the
deductible limit, subject to terms, conditions, exclusions and definitions as per the
policy wordings.
The proof of settlement of the deductible amount has to be produced at the time
of claim in case of any other existing insurance policy

Benefit Of Health Insurance :

It is advisable to claim a free year bonus which every health
insurance provider offers to its customers for a claim free year. The
benefit is either passed by way of discount on payment of premium
or increased sum insured. Getting the best health insurance in India
means purchasing the policy that meets your requirement at
optimum costs which fits into your budget.

THANK YOU!

To Know more visit :

http://www.bajajallianz.com/Corp/health-insurance/health-insurance.js
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