ChatGPT
Claude
Perplexity
_converted753-1774257827.png){kind=small}
Overview
The Extra Care policy is an additional layer of protection that ensures adequate health coverage.
Sometimes, a base health insurance policy may not be enough. When an individual faces an accident or a major emergency, the base sum insured can quickly get exhausted. The cost of medical treatment nowadays is often an expensive affair.
Bajaj General Extra Care is a health and wealth protection policy for your family that covers hospitalization and other medical expenses. You can buy this top-up plan as an add-on cover to your regular health policy to manage higher expenses due to accidents or illnesses. It works beyond your base policy, covering medical expenses related to pre and post-hospitalization, ambulance services, modern treatments, and more.
Read on to learn more about the Extra Care top-up policy.
Benefits of Buying Bajaj General Extra Care Plan
No Medical Test
No medical test is required if you are 55 years of age or younger and have no adverse medical history.
Tax Benefits
Avail tax benefits on paid premiums under Section 80D of the Income Tax Act.
Specified Deductible Options
Hospitalization for conditions mentioned in the policy documents is subject to a deductible.
Modern Treatments Covered
The plan covers some 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 (given as an injection)
- Intra Vitreal Injections
- Robotic Surgeries
- Stereotactic Radio Surgeries
- Bronchial Thermoplasty
- Vaporisation of the Prostate (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.
Exclusions
- Pre-existing diseases (PEDs) or illnesses/diseases diagnosed after policy commencement are not covered for 4 years.
- Diseases diagnosed within 30 days from policy commencement.
- Congenital diseases.
- Non-allopathy medications.
- Joint replacement surgeries (covered after 4 years from policy commencement).
- AIDS/related diseases.
- Beauty, cosmetic, or plastic surgeries.
- Drug abuse, alcoholism, and related complications.
- Fertility, sterilization, and assistive conception treatments.
Summary
Bajaj General Extra Care policy provides financial aid for additional expenses due to an accident or illness. It helps you and your family cover medical and hospitalization expenses over and above your base health insurance policy.
For any queries about this plan, please call us at 1800 4200 269.
