The Extra Care health insurance plan offered by the general insurance company, Bajaj Allianz, is a beneficial plan that offers coverage for treatment costs incurred by insured members. It covers hospitalisation expenses for a range of illnesses including critical illnesses. Pre and post-hospitalisation expenses are also covered. This policy can be purchased in addition to another individual or family health insurance policy to act as an add-on cover for that policy. It will provide an additional sum insured amount that may be required during hospitalisation.
The insurance company has laid down certain guidelines with regard to who can purchase the policy. The eligibility requirements are given below:
The salient features of this special health insurance plan are listed below:
The benefits offered under this health insurance policy are explained below:
|Hospitalisation expenses||Expenses incurred by an insured member as an in-patient such as boarding expenses, nursing care expenses, cost of consumables, etc. are covered.|
|Pre-hospitalisation expenses||Any treatment availed within 60 days prior to admission to the hospital is covered, as long as the treatment is related to the illness for which hospitalisation is required.|
|Post-hospitalisation expenses||Any treatment undertaken within 90 days after admission to the hospital is also covered, provided the treatment is in relation to the treatment taken in the hospital.|
|Ambulance expenses||A maximum of Rs.3,000 is provided for ambulance expenses, provided the claim for medical expenses has been accepted.|
The policy has certain exclusions as mentioned below:
Insured members can opt for cashless hospitalisation or the reimbursement facility as per their convenience. The procedure to raise claims under each of the options is given below:
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