Bajaj Allianz

Bajaj Allianz

Extra Care Top-up

While it is a decent top up plan, it only allows you to pick a maximum cover of 15 lakhs. So if you're ever hospitalized for a complicated condition, then the cover might not suffice. More importantly in our opinion, it is never a good idea to buy a top up policy in the first place. Always choose a super to up plan and if you want to why, click here.

What's good here?

co_pay

You’ll never have to split the bill

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.

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room_rent

You can pick any room you like

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.

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pre_post

Pre & post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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disease_sublimit

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

Mordern Treatments are covered upto 50% of Sum Insured upto 5 Lacs.

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What's bad here?

ped

Long waiting period for pre-existing diseases

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 only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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day_care

No coverage for Day Care treatments

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will not cover these costs. Think dialysis, chemotherapy or minor surgeries.

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What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

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ncb

No Bonus for being healthy and not claiming insurance

Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

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ayush

No Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatment to cure an illness. Tough Luck!!! Your insurer won’t cover this expense.

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health_checkup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

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talk to us

Need a human touch?

Talk to us and we will navigate the complex world of insurance together. It's free and we will never spam you. Pinky Promise!!!

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