{"uin":"BAJHLIP23068V032223","name":"Extra Care","url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-12-08","withdrawn_on":null,"summary":"Extra Care is a family floater top-up health policy that pays hospitalization expenses in excess of a per-hospitalization deductible. It offers sum insured options of Rs.1000000/-, Rs.1200000/- and Rs.1500000/- with deductibles of Rs.300000/-, Rs.400000/- and Rs.500000/-.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:56:11.966506+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B","Plan C"],"display":"Plan A, Plan B and Plan C","note":null,"quote":"Plan A ... Plan B ... Plan C","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1year, 2 years or 3 years.","display":"1year, 2 years or 3 years","note":null,"quote":"• Extra Care: 1year, 2 years or 3 years","sources":[{"clause":"Section C","heading":"COVERAGE","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-section-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless claims, planned hospitalization must be intimated within 48 hours and emergency hospitalization within 24 hours. For reimbursement claims, the insurer must be informed in writing immediately and in any event within 30 days of the illness or bodily injury.","display":"Cashless: planned within 48 hours, emergency within 24 hours. Reimbursement: immediately and within 30 days.","note":null,"quote":"In case of Planned hospitalization, You/the insured person/ insured representative shall intimate such admission within 48 hours of such hospitalization ... In case of Emergency hospitalization, You/the insured person/ insured representative shall intimate such admission within 24 hours of such hospitalization ... You or someone claiming on Your behalf must inform Us in writing immediately, and in any event within 30 days of the aforesaid Illness or Bodily Injury.","sources":[{"clause":"Section E(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-section-e-ii"},{"clause":"Section E(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-section-e-iii"},{"clause":"Section E(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-section-e-vi"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["First Consultation letter from the Doctor","Duly completed claim form and NEFT Form signed by the Claimant","Original Hospital Discharge Card","Original Hospital Bill giving detailed break up of all expense heads mentioned in the bill","Original Money Receipt, duly signed with a Revenue Stamp","All original Laboratory and Diagnostic Test Reports","Incase of a Cataract Operation, IOL Sticker will have to be enclosed","Claim settlement letter from the co insurer if any","Other documents as may be required by Bajaj Allianz to process the claim","Aadhar card & PAN card Copies"],"display":"First consultation letter, claim form and NEFT form, discharge card, hospital bill, money receipt, test reports, cataract IOL sticker, co-insurer settlement letter, other required documents, and Aadhaar/PAN copies.","note":null,"quote":"First Consultation letter from the Doctor ... Duly completed claim form and NEFT Form signed by the Claimant ... Original Hospital Discharge Card ... Original Hospital Bill giving detailed break up of all expense heads mentioned in the bill. Clear break ups have to be mentioned for OT Charges, Doctor’s Consultation and Visit Charges, OT Consumables, Transfusions, Room Rent, etc. ... Original Money Receipt, duly signed with a Revenue Stamp ... All original Laboratory and Diagnostic Test Reports. E.g. X-Ray, E.C.G, USG, MRI Scan, Haemogram etc. ... Incase of a Cataract Operation, IOL Sticker will have to be enclosed ... Claim settlement letter from the co insurer if any ... Other documents as may be required by Bajaj Allianz to process the claim ... Aadhar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim)","sources":[{"clause":"1","heading":"First Consultation letter from the Doctor","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-1-7"},{"clause":"2","heading":"Duly completed claim form and NEFT Form signed by the Claimant","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-7"},{"clause":"3","heading":"Original Hospital Discharge Card","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-3-6"},{"clause":"4","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-4-5"},{"clause":"5","heading":"Original Money Receipt, duly signed with a Revenue Stamp","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-5-5"},{"clause":"6","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-6-5"},{"clause":"7","heading":"Incase of a Cataract Operation, IOL Sticker will have to be enclosed","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-7-5"},{"clause":"8","heading":"Claim settlement letter from the co insurer if any","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-8-5"},{"clause":"9","heading":"Other documents as may be required by Bajaj Allianz to process the claim","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-9-5"},{"clause":"10","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-10-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from the date of receipt of the last necessary document. If investigation is warranted, it must be initiated and completed not later than 30 days from receipt of the last necessary document.","display":"Within 15 days from receipt of last necessary document; investigation, if any, not later than 30 days from receipt of last necessary document.","note":"The policy also states penal interest at 2% above the bank rate for delay.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document","sources":[{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-6-a"},{"clause":"6(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-6-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing Disease until the expiry of 36 months","Specified disease/procedure waiting period of 36 months for Joint Replacement Surgery unless necessitated by accidental bodily injury","30-daywaiting period for any illness except claims arising due to an accident","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Change-of-gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure Sports","Breach of law","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Maternity","Any treatment received outside India"],"display":"Main exclusions include PED for 36 months, joint replacement surgery for 36 months unless accidental, 30-day illness waiting period, investigation/evaluation, rest cure, gender-change treatment, cosmetic surgery, professional hazardous sports, criminal breach of law, substance abuse, maternity and treatment outside India.","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Extra Care Policy with us. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Extra Care policy with us. ... • Joint Replacement Surgery unless necessitated by accidental bodily injury, ... Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident ... Investigation & Evaluation (Excl04): ... Rest Cure, rehabilitation and respite care- (Excl05): ... Change-of-gender treatments (Excl07): ... Cosmetic or plastic Surgery (Excl08): ... Hazardous or Adventure Sports (Excl09): ... Breach of law (Excl10): ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Excl12) ... Maternity (Excl18): ... Any treatment received outside India is not covered under this policy.","sources":[{"clause":"1","heading":"Pre-existing Diseases waiting period (Excl01)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-1-4"},{"clause":"2","heading":"Specified disease/procedure waiting period- Code (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-4"},{"clause":"2(b)(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-b-iv"},{"clause":"9","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-9-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The first complaint routes are Bajaj Allianz touch points including toll-free numbers, branches, website registration and Level 1 e-mail; if not satisfied, write to the Grievance Redressal Officer at ggro@bajajallianz.co.in, then Level 3 care specialist before the Insurance Ombudsman.","display":"Level 1: Bajaj Allianz toll-free/branches/website/e-mail; Level 2: Grievance Redressal Officer at ggro@bajajallianz.co.in; Level 3: care specialist; then Insurance Ombudsman.","note":null,"quote":"1. Our toll-free number 1-800-209- 5858 or 020-30305858, say Say “Hi” on WhatsApp on +91 7507245858\n2. Branches for resolution of your grievances / complaints, the Branch details can be found on our website www.bajajallianz.com/branch-locator.html\n3. Register your grievances / complaints on our website www.bajajallianz.com/about-us/customer-service.html ... a) Level 1:bagichelp@bajajallianz.co.in and for senior citizens to seniorcitizen@bajajallianz.co.in ... b) Level 2: Incase you are not satisfied with the response given to you at Level 1 you may write to our Grievance Redressal Officer at ggro@bajajallianz.co.in ... c) Level 3: If incase, your grievance is still not resolved, and you wish to talk to our care specialist, please give a missed call on +91 80809 45060 OR SMS To575758 and our care specialist will call you back\n5. If you are still not satisfied with the decision of the Insurance Company, you may approach the Insurance Ombudsman","sources":[{"clause":"17","heading":"Grievance Redressal Procedure","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-17-2"},{"clause":"17(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-17-a"},{"clause":"17(b)","heading":"Level 2","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-17-b"},{"clause":"17(c)","heading":"Level 3","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-17-c"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The sum insured options are Rs.1000000/-, Rs.1200000/- and Rs.1500000/- excluding deductibles.","display":"Rs.1000000/-, Rs.1200000/- and Rs.1500000/-","note":"The corresponding per-hospitalization deductibles are Rs.300000/-, Rs.400000/- and Rs.500000/-.","quote":"Sum Insured ( excluding deductibles) Deductible per hospitalization Rs.1000000/- Rs.300000/- Rs.1200000/- Rs.400000/- Rs.1500000/- Rs.500000/-","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-4"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Extra Care Policy with us.","sources":[{"clause":"1","heading":"Pre-existing Diseases waiting period (Excl01)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-1-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The listed procedure is joint replacement surgery unless necessitated by accidental bodily injury.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Extra Care policy with us.","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Joint Replacement Surgery unless necessitated by accidental bodily injury"],"display":"Joint Replacement Surgery unless necessitated by accidental bodily injury","note":null,"quote":"List of specific diseases/procedures.\n• Joint Replacement Surgery unless necessitated by accidental bodily injury,","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-4"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"3","heading":"Moratorium Period","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-3-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured beneficiary can port the entire policy, including family members, to other insurers by applying at least 45days before but not earlier than 60days from the policy renewal date, and accrued continuity benefits in waiting periods are available if continuously covered without lapses.","display":"Porting allowed to other insurers with accrued continuity benefits in waiting periods, if applied at least 45days before and not earlier than 60days from renewal.","note":null,"quote":"The Insured beneficiary will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at east 45days before, but not earlier than 60days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"12","heading":"Portability","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-12-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifetime renewal benefit is available","note":null,"quote":"Under normal circumstances, lifetime renewal benefit is available under the policy except on the grounds of fraud, misrepresentation or moral hazard.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewal based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"9","heading":"Renewal of Policy","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-9-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care- (Excl05)","Obesity/Weight Control (Excl06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure Sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Excl12)","Treatments received in heath hydros, nature cure clinics, spas or similar establishments (Excl13)","Dietary supplements and substances that can be purchased without prescription (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl18)","War, invasion, acts of foreign enemies, hostilities","Circumcision unless required for the treatment of Illness or Accidental bodily injury","The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and all other external appliances and/or devices","External medical equipment of any kind used at home as post hospitalization care","Intentional self-injury","Vaccination or inoculation unless forming a part of post bite treatment or if medically necessary","Treatment for any other system other than modern medicine (also known as Allopathy) and AYUSH therapies","All non-medical Items as per Annexure I provided in Policy Wordings","Any treatment received outside India","Venereal disease or any sexually transmitted disease or sickness","Surgery to correct deviated septum and hypertrophied turbinate","Expenses related to donor screening, treatment, including surgery to remove organs from a donor in the case of transplant surgery","Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization","Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery except for Hematopoietic stem cells for bone marrow transplant for hematological conditions"],"display":"Permanent exclusions include Excl04 to Excl18 and product-specific exclusions such as war, circumcision unless medically required, external appliances, home medical equipment, self-injury, vaccination except specified cases, systems other than Allopathy/AYUSH, non-medical items, treatment outside India, venereal disease, deviated septum surgery, organ donor expenses, dental treatment and congenital external anomalies.","note":null,"quote":"Investigation & Evaluation (Excl04): ... Rest Cure, rehabilitation and respite care- (Excl05): ... Obesity/Weight Control (Excl06): ... Change-of-gender treatments (Excl07): ... Cosmetic or plastic Surgery (Excl08): ... Hazardous or Adventure Sports (Excl09): ... Breach of law (Excl10): ... Excluded Providers (Excl11): ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Excl12) ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Excl13) ... Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. (Excl14) ... Refractive Error (Excl15): ... Unproven Treatments (Excl16): ... Sterility and Infertility (Excl17): ... Maternity (Excl18): ... War, invasion, acts of foreign enemies, hostilities ... Circumcision unless required for the treatment of Illness or Accidental bodily injury, ... The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and all other external appliances and/or devices whether for diagnosis or treatment ... External medical equipment of any kind used at home as post hospitalization care ... Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) ... Vaccination or inoculation unless forming a part of post bite treatment or if medically necessary and forming a part of treatment recommended by the treating doctor. ... Treatment for any other system other than modern medicine (also known as Allopathy) and AYUSH therapies ... All non-medical Items as per Annexure I provided in Policy Wordings ... Any treatment received outside India is not covered under this policy. ... Venereal disease or any sexually transmitted disease or sickness. ... Surgery to correct deviated septum and hypertrophied turbinate. ... Expenses related to donor screening, treatment, including surgery to remove organs from a donor in the case of transplant surgery ... Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization. ... Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery except for Hematopoietic stem cells for bone marrow transplant for hematological conditions.","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-4"},{"clause":"2(b)(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-b-iv"},{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-1-5"},{"clause":"2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-2-5"},{"clause":"3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-3-4"},{"clause":"4","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-4-3"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-5-3"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-6-3"},{"clause":"7","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-7-3"},{"clause":"8","heading":"All non-medical Items as per Annexure I provided in Policy Wordings","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-8-3"},{"clause":"9","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-9-3"},{"clause":"10","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-10-3"},{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-11-3"},{"clause":"12","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-12-2"},{"clause":"13","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-13-2"},{"clause":"14","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-14-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder can cancel with 7 days' written notice. Refund is pro-rata for the unexpired risk period if no claim has been made during the policy year, with additional deduction of medical examination expenses where applicable.","display":"7 days' written notice; pro-rata refund for unexpired risk period if no claim has been made, with medical examination expenses deducted where applicable.","note":null,"quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. In such a case, the Company will refund the premium for the unexpired policy period as detailed below: ... The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"13","heading":"Cancellation","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-13-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy is restricted to insured events occurring in and medical expenses incurred in India.","display":"India only","note":null,"quote":"This Policy is restricted to insured events occurring in and Medical Expenses incurred in India.","sources":[{"clause":"Section E(c)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-section-e-c-i"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable on new individual health insurance policies and not on renewals or porting/migrating.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable","sources":[{"clause":"16","heading":"Free Look Period","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-16-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"For monthly instalments the grace period is fifteen days; for quarterly/half-yearly/annual instalments it is thirty days.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. ... The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"9","heading":"Renewal of Policy","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-9-4"},{"clause":"4","heading":"Premium Payment in Instalments (Wherever applicable)","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-4-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"conflicting","value":"Policy wording says an insured must have attained 3 months and must not be older than 65 years at the commencement of the policy period.","display":"3 months to 65 years at commencement","note":"Sales brochure says: 'Age of entry for proposer, spouse and parents is 18 yrs – 70 Years.' and 'Children from 3 Months - 25 years can be covered as dependents.'","quote":"Insured means the persons, or his Family members, named in the Schedule provided that an Insured or his Family Members has attained the age of 3 months and is not older than 65 years of age at the commencement of the Policy Period.","sources":[{"clause":"5","heading":"Named Insured/ Insured","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-5-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, Half Yearly, Quarterly or Monthly","note":null,"quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of Insurance","sources":[{"clause":"4","heading":"Premium Payment in Instalments (Wherever applicable)","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-4-4"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, coverage will be available for the grace period also.","display":"Renewal grace: coverage not available. Instalment grace: coverage available if premium is paid in instalments during the policy period.","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"9","heading":"Renewal of Policy","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-9-4"},{"clause":"4","heading":"Premium Payment in Instalments (Wherever applicable)","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-4-4"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"Deductible is per hospitalization. Plan A has Rs.300000/- deductible for Rs.1000000/- sum insured, Plan B has Rs.400000/- deductible for Rs.1200000/- sum insured, and Plan C has Rs.500000/- deductible for Rs.1500000/- sum insured.","display":"Per hospitalization deductible: Rs.300000/-, Rs.400000/- or Rs.500000/- depending on plan","note":null,"quote":"Sum Insured ( excluding deductibles) Deductible per hospitalization Rs.1000000/- Rs.300000/- Rs.1200000/- Rs.400000/- Rs.1500000/- Rs.500000/- ... The company’s liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalization would be considered as a separate claim.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"},{"clause":"1","heading":"Medical Expenses","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-1-3"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless treatment is available only at a Network Hospital. If the procedure is followed, the insured is not required to directly pay the bill amount that the insurer is liable for under in-patient hospitalization treatment.","display":"Cashless treatment only at a Network Hospital","note":null,"quote":"Cashless treatment is only available at a Network Hospital. ... If the procedure above is followed, You will not be required to directly pay for the bill amount in the Network Hospital that We are liable under In- Patient Hospitalization Treatment above","sources":[{"clause":null,"heading":"26. Claims Procedures","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-26-claims-procedures"},{"clause":"Section E(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147#c-section-e-vi"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by Bajaj Allianz through in-house claim administration.","display":"Bajaj Allianz in-house claim administration","note":null,"quote":"The Bajaj Allianz Advantage HAT: In-house Claim Administration","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater policy with a single premium for the family","note":null,"quote":"Floater Policy with the single premium for the family","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"Extra Care (IRDAI copy)","pages":24,"fetched_at":"2026-10-20 01:47:16+00","source_url":"https://irdai.gov.in/documents/37343/931203/BAJHLIP21146V022021_2020-2021.pdf/d2b214ec-6122-2518-0906-f3285f1506bb?version=1.1&t=1668581706141&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/27293"},{"kind":"brochure","label":"Extra Care Brochure","pages":2,"fetched_at":"2026-10-17 19:40:39+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-withdrawn-product/extra_care_brochure_final.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3145"},{"kind":"brochure","label":"Extra Care Brochure","pages":16,"fetched_at":"2026-10-17 19:40:42+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/extra-care/Extra-Care_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223/document/3147"}],"versions":[{"uin":"BAJHLIP21146V022021","version":null,"approved_on":null},{"uin":"BAJHLIP23068V032223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Extra Care (UIN BAJHLIP23068V032223), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/extra-care-bajhlip23068v032223"}