Bajaj Allianz Health Insurance Extra Care Policy: Overview 2025

Want to add to your health cover without having to pay high premiums to take out a new policy? Bajaj Allianz Health Insurance Extra Care Policy may be the right policy to choose. It is a top-up health insurance product that is suitable to individuals with an existing base health insurance cover and are seeking affordable means of increasing the overall cover, particularly due to the projected increase in healthcare expenses in 2025.

Through this policy, you will have an added cover over your current health insurance, which is a favorite of families and individuals who would like to have peace of mind in case of serious medical emergencies without having to stretch their budgets.

What is Bajaj Allianz Health Insurance Extra Care Policy?

Bajaj Allianz Health Insurance Extra Care Policy is a super top-up policy. It kicks in when your hospitalisation expenses exceed a certain threshold (also called deductible), as outlined in your policy. As an example, suppose your health insurance covers up to 3 lakhs and your total bill is 5 lakhs, Extra Care policy will cover the amount in excess of 3 lakhs, up to your selected sum insured.

The policy can be applied to individuals and families. It fills in the gap that your current coverage leaves, so costly medical procedures, surgeries and hospitalization are a lot less of a financial concern.

Did you know? Most health insurance professionals suggest a super top-up plan to middle-income Indian families because complex medical procedures are increasingly becoming expensive each year.

Important Characteristics or Highlights of Bajaj Allianz Extra Care Policy

• Sum Insured Options: Select either 10 lakh, 12 lakh or 15 lakh coverage limit.
• Deductible Options: Choose 3 lakh, 5 lakh or 10 lakh as deductible.
• Type of Policy: It can be taken by individuals and families thus it is versatile.
• Age of Entry: Adults 18 years to 80 years; dependent children 3 months to 25 years.
• No Pre-policy Medical Test: Applicants below 55 years of age in case of no medical history.
• Day Care Procedures: Encompasses more than 130 medical procedures, including those that require less than 24 hours hospital stay.
• Pre and Post Hospitalisation Benefits: The medical expenses were covered 60 days prior to and 90 days after the hospitalisation.
• Cashless Treatment Network: Over 8,000 hospitals in India with which to claim hassle-free.
• Tax Benefits: Section 80D of the Income Tax Act allows premium paid to be tax deductible.

Policy Table Snapshot 2025

Benefits of Bajaj Allianz Health Insurance Extra Care Policy 2025?

Comprehensive Coverage

The Extra Care policy comes in as a cover when your base policy is inadequate. They include hospitalisation, surgeries, organ transplants, medicine costs and diagnostic tests.

Affordable Premiums

The add-on policy is usually offered at a significantly lower premium than a standalone insurance policy of the same sum insured, and hence it is ideal to working professionals, senior citizens and joint families who require a greater health cover at an affordable premium.

Flexible Deductibles

The policyholders have the option of selecting the deductible that corresponds to their current health insurance so that there is smooth coordination between the base and top-up policies. Example: In case you have a corporate insurance plan with a cover of 3 lakh, then choose 3 lakh deductible in Extra Care.

Policy Portability

Your policy is future-proofed as you can transfer your Extra Care policy to another insurer with similar benefits, under guidelines.

Fast Internet Shopping and Renewals

Purchase or renew this policy online with little paper work and compare the features of various insurance companies through popular online market places to be transparent and get better deals.

Professional Opinion: According to industry experts, comparing health top-up plans through online marketplaces can save the users up to 20 percent of the premiums per year and maximise their overall health cover.

Advantages and Disadvantages of Bajaj Allianz Health Insurance Extra Care Policy

Pros

• Low-cost way of supplementing current health insurance.
• Various sums insured and deductibles to suit various needs.
• No health check-ups of people under 55 years of age without prior disease.
• Extensive chain of cashless hospitals nationwide.
• Lifetime policy renewal, so that you never lose coverage as you get old.
• Insurance of day care processes and pre and post hospitalization costs.
• Customer service and web-based tracking of claims.

Cons

• Hospitalisation expenses in excess of the deductible amount only are covered.
• Does not include pre-existing diseases within the first 12 months.
• Non-medical expenses and certain exclusions (cosmetic surgery, dental, maternity in most cases) are not covered.
• Extra Care coverage is subject to deductible that is paid out of pocket or by a different policy.
• The premium is higher when the age and sum insured are higher.

Bajaj Allianz Extra Care Policy: Cover and Exclusion

What is Covered?

• Hospitalisation costs (inpatient)
• Up to certain sub-limits on room, nursing and ICU charges.
• Operation theatre, surgeon and anesthesia costs.
• Pre and post-hospitalisation (60/90 days).
• Day care surgeries (example: cataract removal, dialysis)
• Ambulance charges for emergency hospitalisation (limits apply)
• Modern treatments, robotic surgeries as per policy guidelines (2025 update)

What is Not Covered (Exclusions)?

• Pre-existing diseases: 12 months waiting period.
• Some of the diseases and activities include dental procedures, cosmetic surgeries, fertility procedures.
• Health care costs under deductible.
• Non-medical costs: registration cost, hearing aids, spectacles.
• War, nuclear or terrorist injuries.

Who is the Bajaj Allianz Extra Care Policy 2025 Buyer?

• Salaried people and working professionals who have an existing base employer group insurance with low sum insured.
• Elderly people whose basic insurance is inadequate because of the high medical inflation.
• Families with dependents who want to find a good method of receiving more coverage at a cheaper price.
• Individuals seek affordable health insurance coverage without several different policies.

Did you know? The average hospital bill of major surgery in metros can be well above 2025 rupees 8 lakh, whereas most family floaters in India provide sum insured of 2-5 lakh.

People also ask

Q: Can we buy Bajaj Allianz Extra Care policy without base policy?
A: Yes, unless there is a base policy, you will have to cough out the deductible out of your pocket.

Q: When does the cover begin once bought?
A: New diseases coverage begins after 30 days. Some illnesses/treatments take longer to wait.

Q: Do you have cashless facility?
A: Yes, when you are treated in any of the empanelled hospitals in Bajaj Allianz network.

Expert Tip: It is essential to verify hospital network and coverage areas prior to admission to ensure a hassle free cashless claim.

Real-Life Illustration

Case Study:
Mr. Sharma, a 38-year-old IT professional in Mumbai was covered under a group health policy with cover of 3 lakh. In August 2025, he was operated on at 6 lakh. His employer policy was covering the initial 3 lakh and the rest 3 lakh was paid by the Bajaj Allianz Extra Care policy. His deductible was zero out of pocket.
This practical situation explains how the policy saves a lot of money in life-threatening health occurrences.

What can be said about Bajaj Allianz Extra Care in 2025 compared to other top-up plans?

Did you know? By 2025, almost 55 percent of health insured Indians are opting super top-up covers because of increased medical inflation and the high frequency of lifestyle diseases hospitalisation.

Quick Recap (TL;DR)

• Bajaj Allianz Extra Care is a top-up policy that activates after your existing health insurance sum insured (deductible) is exhausted.
• It is appropriate to families, individuals, and seniors who desire a larger coverage at low premiums.
• Sum insured between 10 lakh to 15 lakh, deductibles between 3 lakh, broad access to hospitals and hassle-free cashless claim.
• Not all are covered; policy is most effective when used as a supplement to existing policies.
• To get the best deal compare Bajaj Allianz Extra Care with other top-up plans online.

People Also Ask (FAQs)

1. Will I be able to claim Bajaj Allianz Extra Care when I have not used my base policy?
   No, this policy will only cover that portion of hospital bill that is over the deductible amount stated in your policy document.

2. Can parents over 60 years old avail Bajaj Allianz Extra Care?
   Yes, the age of entry is up to 80 years in case of adults and renewability is lifelong.

3. What are the diseases that are not covered immediately one purchases the policy?
   Waiting period on pre-existing diseases is 12 months. There is also no maternity benefits, cosmetic surgeries, and dental treatment.

4. What is the way to verify whether my hospital is included in the Bajaj Allianz network?
   Go to the site of the insurer or use the helpline. When you compare, online marketplaces also provide current lists of network hospitals.

5. Can the sum insured be added or deductible changed at renewal?
   Yes, you can ask it when you renew, but any rise can mean new medical underwriting.

6. Does day care treatment have a limit of claims?
   All the day care procedures are covered in your sum insured above your deductible.

7. Is both cashless and reimbursement available?
   Yes, they are both offered based on the location of treatment and hospital.

8. Are you tax advantaged under this policy?
   Premiums paid are deductible under Section 80D, yes.

Professional Tip: Online marketplace comparison prior to purchase or renewal will provide competitive premiums, new features and current hospital network data all in one location.

Final Thoughts

The Bajaj Allianz Health Insurance Extra Care Policy is an intelligent, practical, and cost-effective means to increase the health insurance of your family in 2025. It supplements your current plan and works best in the case of high medical costs, increasing costs and unexpected emergencies. Use the internet policy comparison services to have a full picture before buying.

Sources:

• Bajaj Allianz General Insurance Extra Care Policy Brochure
• ET Healthworld: Top-up health insurance trends 2025