Bajaj Allianz

Extra Care Plus (Super Top-up): An excellent option with no room restrictions, topping up your base cover by about 50 lakhs, and offering maternity benefits after 1 year. One of the best super top-up plans available.

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whatWeLike What We Like

This section highlights the strengths and benefits of Extra Care Plus Super Top-up policy by Bajaj Allianz. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Short waiting period for Pre Existing Diseases

Coverage for Diabetes and Cardiovascular Problems: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related...

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Day Care treatments covered up to a certain limit

Modern Treatments (50% Limit up to ?5 Lacs): Modern treatments are covered up to 50% of the sum insured, with a maximum limit of ?5 Lacs.

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Your insurer won’t pay the full bill for certain diseases

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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Pre & Post hospitalization expenses covered

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Extra Care Plus Super Top-up policy by Bajaj Allianz. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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No Bonus for being healthy and not claiming insurance

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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No Cover for Alternative Medicine

No coverage for alternative treatments: Considering Ayurvedic, Homeopathic, or other alternative treatments for an illness? Unfortunately, your insure...

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Free Health Checkups

Family Checkup Benefit: Up to ?1000 for individuals and ?2000 for families once every 3 continuous years.

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No Bonus for being healthy and not claiming insurance

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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No Cover for Alternative Medicine

No coverage for alternative treatments: Considering Ayurvedic, Homeopathic, or other alternative treatments for an illness? Unfortunately, your insure...

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Free Health Checkups

Family Checkup Benefit: Up to ?1000 for individuals and ?2000 for families once every 3 continuous years.

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No Cover for Alternative Medicine

No coverage for alternative treatments: Considering Ayurvedic, Homeopathic, or other alternative treatments for an illness? Unfortunately, your insure...

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Free Health Checkups

Family Checkup Benefit: Up to ?1000 for individuals and ?2000 for families once every 3 continuous years.

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Free Health Checkups

Family Checkup Benefit: Up to ?1000 for individuals and ?2000 for families once every 3 continuous years.

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Extra Care Plus Super Top Up in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Bajaj Allianz Extra Care Plus Super Top-Up Plan is designed to enhance existing health insurance coverage by providing additional financial protection for high medical expenses.

Yes, the plan covers pre-existing diseases after a waiting period of 24 months.

The deductible is the amount that must be paid out-of-pocket before the insurance coverage kicks in; this plan allows you to choose the deductible amount.

No, the plan does not cover maternity expenses.

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