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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.
| PLAN DETAILS |
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Extra Care Policy |
Future Generali Criticare Plan |
| Product Type | Top Up and Super Top Up | Critical Illness Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not applicable |
| Plan Entry Age | Child: 3 months - 25 years, Adult: 18-70 years | Min- 6 years, Max- 65 years |
| Plan Premium Entry Age and S/A | 8000 | 262 |
| Plan Waiting Period | 30 | 90 |
| Plan Coverage | - | Cancer and heart attack cover, kidney and liver failure cover, stroke and coma cover, organ transplant surgery cover. |
| Plan Sample Premium | NA | 262 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1, 2, 3 Years |
| ICU Charges | - | Not covered |
| Covid-19 Treatment | - | Not covered |
| Cataract | - | Not covered |
| Automatic Restoration | - | Not covered |
| Ayush Treatment | - | Not covered |
| Modern Treatment | - | Not covered |
| E Consultation | - | Not covered |
| Air Ambulance | - | Not covered |
| Global Coverage | - | Not covered |
| Claim Ratio | 99.23 | 95.5 |
| Solvency Ratio | 3.25 | 1.96 |
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