Introduction: When it comes to health insurance, there’s no one-size-fits- all plan that you can rely on. Of the numerous plans in the market, you will find that each is unique in some way, with its own benefits and limits. This makes purchasing health insurance a difficult task where painstaking research is sometimes required, before you find the right plan for you..

How To Choose Health Insurance : According to a survey conducted by Bajaj Allianz on how happy people are with their existing health insurance plan, more than 60% participants reported that they fear that their health insurance plan may not suffice in case of a serious or long ailment. The reason for this is that most often the Sum Insured opted by an individual in a Health Insurance plan is quite low. Bajaj Allianz Extra Care is a unique health insurance plan that allows you to extend your existing health insurance cover. If the sum insured of your existing health insurance plan does not suffice for expenses due to illness or accidents, Extra Care health insurance policy takes care of the additional hospitalization expenses..

For example, if you have a 3 lac health insurance cover from your employer and your medical bill is 10 lakh, then you would use the insurance policy from your employer to pay the first 3 lac of the expenses and then pay the resultant 7 lac using the Extra Care policy. The expense paid by your existing insurance policy or by you is called the Deductible Amount. Extra Care specifies a Deductible Amount for each sum insured option. The sum insured and the corresponding deductible amount is listed here: Sum insured Deductible Amount (Paid by your existing health policy or by you) 10 lakh 3 lakh 12 lakh 4 lakh 15 lakh 5 lakh Features of Extra Care  This is a floater policy, single sum insured and single premium for the whole family  Very competitive premium rates (see premium chart below)  No medical tests required upto 55 years (subject to a clean proposal form )  Pre-existing diseases covered after 4 years

 C ontinuity for waiting periods would be given for any indemnity cover, irrespective of sum insured in the earlier policy  The policy covers ambulance charges in case of emergency subject to a maximum of Rs 3000 Benefits  Can be taken as add-on policy with any health insurance policy  Income tax benefits u/s 80D  Premium starting at Rs.2500 p.a with Sum Insured options of Rs.10, 12 or 15 lakhs

Sum Insured / DeductableNumber of members90 days-40 yrs41 yrs- 60 yrs61 yrs- 80 yrs Plan A / MEMBER MEMBER MEMBER MEMBER MEMBER Plan B / MEMBER MEMBER MEMBER MEMBER MEMBER Plan C / MEMBER MEMBER MEMBER MEMBER MEMBER

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