BAJAJ ALLIANZ
EXTRA CARE PLUS
In times of rising medical cost, It is important to consider
the fact that with rising inflation the existing health insurance cover may not
be adequate, at the same time buying a large insurance cover may not be
affordable Now a solution where in one can enhance the
sum insured and add extra protection to one’s existing health plan, with Extra Care plus Policy which provides an additional cover to
your existing health insurance cover and provides wider health protection for
you and your family. This
policy is a perfect fit for a wider health insurance cover to take care of the
rising health care expenses.
THE
SPECIAL FEATURES OF EXTRA CARE PLUS POLICY
• Floater policy for proposer/
spouse/ dependent children/dependent parents (dependent parents under same
policy)
• Entry age 91 days to 80 years
• Wide range of sum insured and
aggregate deductible options
• No pre-policy medical tests up to
55 years of age (subject to terms & conditions)
• Pre-existing disease covered
after 12 months from your first Extra Care Plus policy
• In patient Hospitalization cover
• Pre 60 days and post 90 days
hospitalization expenses cover
• Emergency road ambulance cover
• Option to opt for Air Ambulance
Cover
• Day care procedures as defined
under the policy
• Free health check up once in 3
years. Amount Payable is pre decided.
• Maternity expenses including
complications of maternity subject to certain waiting periods and policy terms
and conditions.
• Income tax benefits
under 80 D of the IT Act on premiums paid for this policy, subject to changes
in the tax laws.
An illustration as to how will it work.
Case: Insured has opted a plan for 2
members, Sum Insured is Rs-10,00,000 and Deductible of Rs. 200000. The Policy
Period is from 01-April-2017 to 31-March-2018
Sum Insured: Rs. 10 Lacs ; Aggregate Deductible Opted: Rs. 2
Lacs
|
||||||
Claim details
|
Date of Hospitalisation
|
Total Claim Amount
|
Deductible Utilization
|
Balance deductible
|
Payable by insured(if any)
|
Payable under Extra Care PlusPolicy(inRs.)
|
Claim 1
|
10-Aug-2017
|
1,50,000
|
1,50,000
|
50,000
|
1,50,000
|
0
|
Claim 2
|
10-Sep-2017
|
3,00,000
|
50,000
|
0
|
50,000
|
2,50,000
|
Claim 3
|
10-Oct-2017
|
7,50,000
|
0
|
0
|
0
|
7,50,000
|
WHAT ARE THE SUM INSURED OPTIONS
UNDER THE POLICY?
Sum Insured (in INR)
|
Aggregate Deductible Options (in INR)
|
|||
300000
|
200000
|
-
|
-
|
-
|
500000
|
200000
|
300000
|
-
|
-
|
1000000
|
200000
|
300000
|
500000
|
-
|
1500000
|
-
|
300000
|
500000
|
-
|
2000000
|
-
|
300000
|
500000
|
1000000
|
2500000
|
-
|
300000
|
500000
|
1000000
|
5000000
|
-
|
300000
|
500000
|
1000000
|
This policy covers
maximum sum insured upto Rs.50 lakhs. It is advised to read the policy
conditions and the exclusions in the policy before subscription.
Should you need to know
more kindly email us at
planmyinsurance@gmail.com
DISCLAIMER :
ALL THE BLOG POST EXPRESSED HERE ARE MY PERSONAL VIEWS .
THE POINTS STATED AND GIVEN ABOVE ARE JUST FOR EDUCATIONAL & INFORMATION.
NO CONTENT ON THIS BLOG SHOULD BE CONSTRUED AS SOLICITATION FOR INSURANCE.
ONE IS ADVISED TO READ AND UNDERSTAND THE FINE PRINT POLICY TERMS & CONITIONS BEFORE SUBSCRIBING.
THE AUTHOR ACCEPTS NO LIABLITY FOR ANY INTERPRETATION OF ARTICLES OR COMMENTS ON THIS BLOG BEING USED FOR INSURANCE.
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