Personal Accident Insurance Policy: Personal Guard

Claim Process

In case of any accidental bodily injury/death that may result in a claim, please follow the below mentioned process:

1. You, or your loved one who is making the claim on your behalf, must inform us in writing within 30 days.
2. You must immediately consult a doctor and follow the advice and treatment that they recommend.
3. You must take reasonable steps to lessen the consequence of the bodily injury.
4. You must have yourself examined by our medical advisors (if required).
5. You, or your loved one who is making the claim on your behalf, must provide all the documentation and information required to investigate and settle the claim.
6. In case of your death, a loved one who is making the claim on your behalf, must inform us in writing and send us a copy of the post-mortem report within 30 days (if required).
7. The other relevant documents to be submitted along with the claim form are as follows:

Death

• Duly completed claim form signed by the nominee/legal heir.
• A copy of the police Panchanama/inquest Panchanama, FIR, post-mortem report, and death certificate.
• Attested copy of the viscera report (only if it is preserved and sent for further analysis which is mentioned on the post-mortem report).
• NEFT details and cancelled cheque of the nominee/legal heir of the insured person.
• A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

PTD (Permanent Total Disability), PPD (Permanent Partial Disability) and TTD (Temporary Total Disability)

• Duly completed claim form signed by the insured.
• Attested copy of the disability certificate from a civil surgeon of a government hospital stating percentage of disability.
• X-ray and medical examination reports supporting the disability.
• Attested copy of FIR (if any).
• Photograph of the patient before and after the accident, supporting the disability.
• NEFT details and cancelled cheque of the insured person.
• A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Children education bonus

• Bonafide certificate from school/college or certificate from the educational institution.
• A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Hospital Confinement Allowance/Medical Expenses Reimbursement

• First consultation letter from the doctor.
• Duly completed claim form signed by the claimant.
• Hospital discharge card.
• 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.
• Money receipt, duly signed with a revenue stamp.
• All original laboratory and diagnostic test reports, for example, X-ray, ECG, USG, MRI Scan, haemogram, etc.
• Other documents as may be required by Bajaj Allianz General Insurance to process the claim.
• A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.