Bajaj Allianz Health Insurance Top up & Super Top Plans

Bajaj Allianz Health Insurance Top Up & Super Top up Plan

Bajaj Allianz Top-up and Super Top-up Health Insurance Plans provide additional coverage to those who are already insured under a mediclaim policy.You can still get covered under the Bajaj Allianz Extra Care Plus policy even if you are not insured under a primary health insurance plan.

Top up and super top up plans can be availed as an add-on benefit with the basic health insurance coverage. These policies come in when the basic cover is exhausted during a medical emergency. Bajaj Allianz Extra Care Plus Super Top-up plan provides sum insured cover from Rs 3 lakh to Rs 50 lakh. And Bajaj Allianz Extra Care Top-up plan provides coverage from Rs 10 lakh to Rs 15 lakh.

Eligibility Criteria

The eligibility criteria for Bajaj Allianz top-up or Super top-up plan is given in the table below:

Criteria	Extra Care Plus Super Top-up	Extra Care Top-Up
Sum Insured	Rs 3 lakh to Rs 50 lakh	Rs 10 lakh-Rs 15 lakh
Deductible	Rs 3 lakh-10 lakh	Rs 3 lakh-Rs 5 lakh
Minimum entry age	Individual:18 years Child: 91 days	Individual: 18 years Child: 3 months
Maximum entry age	80 years	Individual: 70 years Child: 25 years
Waiting period for pre-existing diseases	12 months	12 months

Types of Bajaj Allianz Top up and Super Top-up Plans

The two types of Bajaj Allianz top-up and Super top-up health insurance plans are given below:

Bajaj Allianz Extra Care Plus Super Top-up Plan- The super top plan provides extra coverage with sum insured options Rs 3/5/10/15/20/25/50 lakh. One can opt for deductibles ranging from Rs 3 lakh-10 lakh.
Bajaj Allianz Extra Care Top-up Floater Plan- Bajaj Allianz Extra Care is a top-up plan that provides coverage on a family floater basis. The policyholder can add six members to the floater plan for sum insured ranging from Rs 10 lakh, Rs 12 lakh, and Rs 15 lakh.

Key Features of Bajaj Allianz Top-up & Super Top-up Plans

Bajaj Allianz Top-up and Super Top-up Plans come with the following key features and benefits:

Bajaj Allianz top up plans and super top-up plans offer a range of options for the Sum Insured and deductibles to choose from
No pre-medical tests required up to 55 years of age
Coverage for any pre-existing illnesses after 12 months from the inception of the Extra Care Plus policy
Covers inpatient, pre-hospitalization, and post-hospitalization cover
Additional covers such as road ambulance cover and air ambulance cover in times of emergency
Covers maternity expenses, including complications at the time of childbirth, as per conditions
Bajaj Allianz health claim-settlement ratio is and all the claims are settled mostly within 48 hours

Inclusions of the Bajaj Allianz Extra Care Top-up Floater Plan

Bajaj Allianz health top-up policy covers the following medical expenses:

Fees of medical practitioners such as doctors, surgeons, and nurses are covered
Rental expenses, ICU, & OT charges, etc. are covered
Expenses related to modern treatment methods such as robotics surgery, stem cell therapy, oral chemotherapy, etc.
Medical costs related to pregnancy and childbirth are claimable as well
It also covers organ donor expenses
Moreover, optional air ambulance cover is also provided

Inclusions of the Bajaj Allianz Extra Care Plus Super Top-up Plan

Bajaj Allianz health Super top-up policy covers the following medical expenses:

The policy covers maternity expenses including maternity-related complications
Ambulance expenses can be claimed up to a maximum of Rs 3000
Robotic surgeries, deep brain stimulation, bronchial thermoplasty, stem cell therapy, oral chemotherapy, Intra vitreal injections, etc. are paid under this Super top-up plan
Maternity expenses up to a maximum of Rs 3000 are payable under Bajaj Allianz super top-up health plan
You can also file a claim for organ donor expenses
Moreover, optional air ambulance cover is also provided

Policyholders can check out Bajaj Allianz Extra Care Plus Super Top-up and Bajaj Allianz Extra Care Top-up plans brochure for more coverage benefits. The same contains the premium chart as per your age, sum insured, and deductibles.

Exclusions under Bajaj Allianz Extra Care Top-up and Extra Care plus Super Top-up Plan

The following medical expenses are not covered under the Bajaj Allianz Top-up and Super top-up health plans:

New-born child care expenses
Dental treatment or surgery
Custodial Care or personal Care and rehabilitation-related expenses
Surgical treatments related to obesity and overweight
Cosmetic or plastic surgery-related expenses
Injuries sustained due to hazardous or adventure sports
Treatments using lasers such as eyesight correction
Treatments related to alcoholism, drug abuse, and health consequences related to it
Treatments related to fertility and sterility.

*The applicant may refer to the Bajaj Allianz health top-up plan brochure for a complete list of exclusions.

FAQs

Q1. Can I buy the Bajaj Allianz Extra Care Top-up plan online?

Yes, you can buy the Bajaj Allianz Extra Care Top-up policy online from Policybazaar. The policy offers coverage to pay the medical expenses when your existing sum insured gets used up. The coverage provided is up to Rs 15 lakh.
Q2. How can I renew my Bajaj Allianz top-up health insurance?

To renew your Bajaj Allianz top-up health insurance plan you can reach out to Policybazaar.com. Write to us at care@policybazaar.com or call us at 1800-708-8787.
Q3. What is the coverage limit for Bajaj Allianz Extra Care plus Super top-up health plan?

The coverage limit for Bajaj Allianz Extra Care plus Super top-up health plan is Rs 3 lakh to Rs 50 lakh. The deductible limits are Rs 3 lakh to Rs 10 lakh. Once the deductible is paid the policy becomes active for subsequent claims.
Q4. Are modern treatments covered under Bajaj Allianz top up health plans?

Yes, few modern treatments like robotic surgeries, oral chemotherapies, stem cell transplantation, etc. are covered under the Bajaj Allianz top up health plans.
Q5. Can I file a claim for pre-existing diseases under Bajaj Allianz super top-up health plans?

Yes, you can register health insurance claims for pre-existing diseases under the Bajaj Allianz super top-up health plan after the completion of 12 months of the waiting period.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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