Why Bajaj Allianz General Insurance Company Extra Care Plus is a Smart Choice for Senior Citizens?
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As medical expenses continue to rise, senior citizens increasingly require comprehensive and cost-effective Health Insurance solutions tailored to their unique needs. Bajaj Allianz General Insurance Company Extra Care Plus stands out as a smart choice for senior citizens seeking enhanced health protection beyond their existing coverage. This super top-up Health Insurance plan offers extensive benefits tailored for seniors, making it a smart addition to their health insurance portfolio.
Comprehensive Coverage for Senior Citizens
Bajaj Allianz General Insurance Company Extra Care Plus is designed to provide additional financial protection by covering higher medical expenses that may exceed the limits of an existing Health Insurance plan. This is particularly important for senior citizens, who are more likely to face frequent hospitalisations and costly treatments due to age-related health issues. The policy acts as a floater for the proposer, spouse, dependent children, and dependent parents.
Wide Age Eligibility and No Medical Tests up to 55 Years
One of the key advantages for senior citizens is the plan’s wide entry age limit, which extends up to 80 years. This inclusivity ensures that older adults can take advantage of this coverage, even if they have not previously held a super top-up plan. Additionally, no pre-policy medical tests are required for applicants up to 55 years of age, simplifying the enrollment process for many seniors.
Coverage Includes Pre- and Post-Hospitalisation Expenses
Senior citizens often require extended care before and after hospitalisation. The Extra Care Plus plan covers medical expenses incurred up to 60 days before hospitalisation and up to 90 days after discharge. This comprehensive approach ensures that all related medical costs are addressed, reducing out-of-pocket expenses for seniors and their families.
Day Care Procedures and Modern Treatment Methods
The policy covers daycare procedures and modern treatment methods, including advanced therapies such as robotic surgeries, immunotherapy, and stem cell treatments. These are increasingly relevant for senior citizens who may require cutting-edge medical interventions. The inclusion of such treatments under the base sum insured provides seniors access to innovative healthcare without financial strain.
Ambulance and Air Ambulance Cover
Emergency transportation is critical for senior citizens during sudden health crises. The plan includes coverage for road ambulance expenses up to ₹3,000 per hospitalisation claim and offers an optional air ambulance cover for rapid transportation in life-threatening situations. This ensures timely medical intervention, which is crucial for older adults.
Organ Donor Expenses
The Extra Care Plus policy covers medical treatment expenses for organ donors, provided the organ is donated to the insured person. This benefit is particularly important for senior citizens who may require organ transplants, offering financial support for both the recipient's and donor’s medical costs.
Free Medical Check-Up
To encourage preventive healthcare, the policy offers a free medical check-up every three years. For policies covering a single member, up to ₹1,000 is reimbursed, and for multiple members, up to ₹2,000. Regular health check-ups are vital for senior citizens to monitor and manage chronic conditions effectively.
Cost-Effective Coverage with Tax Benefits
The Bajaj Allianz General Insurance Company Extra Care Plus plan provides a cost-effective solution for managing rising healthcare costs without need to purchase a high sum insured upfront. Premiums paid under this policy qualify for income tax benefits under Section 80D of the Income Tax Act, subject to changes in tax laws, making it ideal for senior citizens managing healthcare costs.
*Tax benefits are subject to change in prevalent tax laws.
Important Considerations and Exclusions
While Extra Care Plus plan offers extensive benefits, senior citizens should be aware of waiting periods and exclusions that apply. Pre-existing diseases are covered after a 12-month waiting period, and specified diseases and procedures also have a 12-month waiting period. There is a 30-day waiting period for illnesses from the policy start date, except in the case of accidents. Additionally, claims within the deductible limit aren’t covered.
Flexible Sum Insured and Deductible Options
The policy offers a wide range of sum insured and aggregate deductible options, allowing senior citizens to customise their coverage according to their financial capacity and health needs. This flexibility makes Bajaj Allianz General Insurance Company Extra Care Plus a smart and reliable option for Health Insurance for senior citizens, ensuring that seniors can balance premium affordability with adequate protection against high medical costs.
Why Choose Bajaj Allianz General Insurance Company Extra Care Plus?
- Tailored Health Insurance for Senior Citizens: Coverage up to age 80 with floater option for dependent parents.
- Comprehensive Medical Coverage: Includes hospitalisation, day care, and modern treatments.
- Emergency Support: Ambulance and optional air ambulance for emergencies.
- Financial Benefits: Tax savings and affordable coverage to manage rising healthcare costs.
- Preventive Care: Free medical check-ups to promote early detection.
- Customisable Plans: Flexible sum insured and deductible options.
Disclaimer: No Business Standard Journalist was involved in creation of this content
Topics : TopUp Health Insurance
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First Published: Aug 11 2025 | 8:06 PM IST
