Overview
The Bajaj Allianz Extra Care Plus Super Top-up plan is a comprehensive health insurance solution designed to provide additional coverage beyond the limits of an existing health insurance policy. It offers sum insured options from ₹3 lakh to ₹50 lakh and includes coverage for in-patient hospitalization, pre- and post-hospitalization expenses (60-90 days respectively), daycare procedures, and emergency ambulance services (maximum of Rs3000/- per valid hospitalization). The plan features customizable deductibles and offers maternity benefits after one year.
Experts Review
Written by Nikhil Nair
Senior Writer
The Bajaj Allianz Extra Care Plus Super Top-up plan is a robust health insurance solution that offers extensive additional coverage beyond the limits of a base policy. Its key advantages include customizable deductibles, no co-payment clause, no disease wise sub-limits, no room rent restrictions and maternity benefits after one year, making it suitable for families seeking comprehensive protection.
Unlike the Extra Care Top-up plan, which provides coverage from ₹10 lakh to ₹15 lakh with a deductible of ₹3 lakh to ₹5 lakh, the Extra Care Plus Super Top-up plan offers a broader range of sum insured options (₹3 lakh to ₹50 lakh) with deductibles ranging from ₹2 lakh to ₹10 lakh. This makes it more versatile for those needing higher coverage.
The Extra Care Plus Super Top-up plan offers shorter waiting periods—1 year for specific illnesses and pre-existing diseases —and covers modern treatments (up to the base Sum Insured), organ donor expenses, and medical check-ups (at the end of every continuous period of 3 years on reimbursement basis up to specified limits).
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
No coverage if you are forced to hospitalize at home, which is a key feature.
Bajaj Allianz
Key Insights
Founded
2001
Bajaj Allianz was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97% claims settled in 30 Days
Bajaj Allianz settles 97% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Bajaj Allianz has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
3 complaints per 10,000 claims registered
Bajaj Allianz maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Maternity
STANDOUT
The insurer will also cover expenses related to maternity upto defined limits — Think hospitalization expenses incurred while giving birth Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
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. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 1 year. It’s probably the best deal you can get to be honest.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 1 years.
Any types of gastric or duodenal ulcers
Benign prostatic hypertrophy
All types of sinuses
Haemorrhoids
Dysfunctional uterine bleeding
Waiting Period
30 days Initial waiting period
1 years Specific illness waiting period
1 years Pre-existing disease waiting period
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. The specific illness waiting period and PED waiting period is better than usual.
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
No coverage if you are forced to hospitalize at home.
Doctor consultations are not covered.
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Frequently Asked Questions
Does Extra Care Plus Super Top-up have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 1-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 1-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 1-year waiting period before you can make claims related to pregnancy and childbirth.
Does Extra Care Plus Super Top-up have room rent restrictions?
Does Extra Care Plus Super Top-up offer a restoration benefit?
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