Suggested
-
health insurance
-
group personal accident
-
bike insurance
-
car insurance
-
cat insurance
-
check car details
-
health insurance plans
-
health cover plans
-
two wheeler insurance
-
2 wheeler insurance
-
renewal of car insurance
-
renew car insurance
-
car insurance renewal
-
car insurance renew
-
car insurance online
-
maruti suzuki car insurance
-
maruti suzuki insurance
-
maruti insurance
-
travel insurance
-
car no details
-
car number details
-
health insurance plans for family
-
medical insurance plans for family
-
best health insurance in india
-
good health insurance in india
Accident Insurance
Global Personal Guard Policy
Key Features
One Policy, A World of Protection
Coverage Highlights
Get comprehensive protection for life's unexpected moments
Worldwide Coverage
Global coverage for death, permanent disability, injury from an adventure sports accident, coma due to accidental bodily injury and more
Design your own plan
Choose from host of base & optional covers
Assured Payout
Acts as a financial cushion by paying a lumpsum amount in case of death/ disability to protect you or your dependents from hardships of life
Financial Peace of Mind
Provides financial security to the insured's family in the event of the insured's Accidental Death and Permanent Total Disability
Cover Types
Offers financial protection by covering Accidental Death, Disabilities, medical expenses, and other related costs due to accidents
EMI Coverage for Life's Twists
Covers EMI payments if the policyholder is unable to work due to a disability from an accident
Inclusions
What’s covered?Accidental Death
Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date
Permanent Total Disability (PTD) Cover
Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date
Permanent Partial Disability (PPD) Cover
Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date
Transportation of Mortal Remains Cover
Additional payment of up to 1% of Death Cover sum insured for expenses of transporting mortal remains
Funeral Expenses
Additional payment of 1% of Death Cover sum insured towards Funeral Expenses
Disappearance
Pays Death Cover sum insured if insured person is declared as disappeared as per terms & conditions
Lifestyle Modification Benefit
Pays additional payment of 2% of PTD Cover sum insured towards modification of home or vehicle to help you adjust to new circumstances
Exclusions
What’s not covered?Self Inflicted Acts
Self-injury, illegal activities, hazardous activities and more
Intoxication
While under the influence of liquor or drugs , alcohol or other intoxicants
Participation in hazardous activities
While engaged in hazardous activity unless specifically insured
War & Related Perils
The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders
Adventure Sports benefit
Whilst engaging in Adventure Sports unless specifically insured
Pre-Existing Conditions (PEDs)
Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded
Pregnancy and Childbirth
Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered
Note
Please read Policy wording for detailed exclusions
Optional Covers
What else you can get?Adventure Sports Cover
Pays agreed amount in case of death & permanent disability caused while engaging in adventure sports in non-professional capacity under a trained professional's supervision
Air Ambulance Cover
Indemnifies for ememgency air ambulance evacuation expenses incurred to take you from the accident site to the nearest hospital
Children Education Benefit
Pays agreed amount in case of death/ permanent disability to help cover dependent children's education costs
Coma Due to Accidental Bodily Injury
Pays agreed amount in case of accidental bodily injury causes you to be in a coma within one month from the date of the accident
EMI Payment Cover
Covers your EMIs in case of accidental bodily injury resulting in permanent partial disability. Preventing you from working for at least one month
Fracture Care Cover
Covers accidental bodily injuries resulting in bone fractures within the policy period
Hospital Cash Benefit
Pays a per day benefit amount for the period of hosppitalization subject to maximum of 60 days per policy period
Loan Protector Cover
Get coverage for the outstanding loan amount (up to the sum insured) in case the policyholder passes away due to accidental injuries or incurs a permanent total disavbility within 12 months of the accident
Loss of Income due to Disability from Accident
Get weekly payments to help with miscellanious expenses in case the policyholder incurs post-accidental bodily injuries that temporarily prevents them from working
Road Ambulance Cover
Covers cost on an ambulance offered by a healthcare or ambulance service provider
Travel Expenses Benefit
Pays travel expenses for a family member to reach the place outside your homecity, if you are hospitalized in case of an accident
Health Prime Rider
Tele Consultation Cover,Doctor-Prescribed Investigations Cover – Pathology & Radiology Expenses, Doctor Consultation Cover (In Clinic), Annual Preventive Health Check -up Cover etc
Advantages of buying
Comprehensive Coverage
Offers protection through base and optional covers
Cumulative Bonus
Avail a cumulative bonus of 10% of the sum insured for every claim-free year
Flexible Sum Insured
Available for coverage options starting from INR 50,000 to INR 25 Crores
Download Policy Documents
Get instant access to policy details with a single click
Why Should You Buy Bajaj Allianz Policy ?
view all
Expand Your Coverage Today!
Starting from
INR 907 + GST
Health Prime Rider
Tooltip text
Tele, In-Clinic Doctor Consultation and Investigation
Dental, Nutrition and Emotional Wellness
Starting from
INR 298 + GST
Frequently Bought Together
View All
Health Companion
Track, Manage & Thrive with Your All-In-One Health Companion
From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
Step-by-Step Guide
To help you navigate your insurance journey
How to Buy
-
0
Visit Bajaj Allianz website
-
1
Enter personal details
-
2
Compare health insurance plans
-
3
Select suitable coverage
-
4
Check discounts & offers
-
5
Add optional benefits
-
6
Proceed to secure payment
-
7
Receive instant policy confirmation
How to Renew
-
0
Login to the app
-
1
Enter your current policy details
-
2
Review and update coverage if required
-
3
Check for renewal offers
-
4
Add or remove riders
-
5
Confirm details and proceed
-
6
Complete renewal payment online
-
7
Receive instant confirmation for your policy renewal
How to Claim
-
0
Notify Bajaj Allianz about the claim using app
-
1
Submit all the required documents
-
2
Choose cashless or reimbursement mode for your claim
-
3
Avail treatment and share required bills
-
4
Receive claim settlement after approval
How to Port
-
0
Check eligibility for porting
-
1
Compare new policy benefits
-
2
Apply before your current policy expires
-
3
Provide details of your existing policy
-
4
Undergo risk assessment by Bajaj Allianz
-
5
Receive approval from Bajaj Allianz
-
6
Pay the premium for your new policy
-
7
Receive policy documents & coverage details
Quick Links
Diverse more policies for different needs
Insurance Samjho
Critical Illness Insurance
Health Claim by Direct Click
Personal Accident policy
Global Personal Guard Policy
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 Roadside/Spot assistance
.webp)
Caringly Yours (Motor Insurance)
Travel Insurance Claim
Cashless Claim
24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
Home Insurance Simplified
Home Insurance Cover
Explore our articles
View All
Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Peace of Mind for My Employees
Bajaj Allianz General Insurance’s Group Personal Accident policy provides my team with financial security. Knowing they’re protected in case of accidents
Rajesh M
Mumbai
18th Jan 2025
Quick and Hassle-Free Claims
After an accident, the claim process with Bajaj Allianz General Insurance was smooth and efficient.
Priya K.
Bengaluru
2nd Feb 2025
Comprehensive Coverage, Excellent Service
The Group Personal Accident Insurance policy from Bajaj Allianz General Insurance covers everything—from hospital bills to post-treatment costs.
Anil S
Chennai
25th Jan 2024
Reliable Support in Emergencies
When one of our employees faced a serious accident, Bajaj Allianz General Insurance’s Group Personal Accident policy provided quick financial aid and ensured a smooth recovery.
Meena P
Pune
10th Dec 2024
FAQ's
No, employees cannot claim tax benefits as the premium is usually paid by the employer. However, employers can claim it as a business expense for tax deductions.
The premium is calculated based on the number of employees, the nature of their work, their risk levels, and the coverage amount. Optional add-ons also affect the premium cost.
No, the employer typically pays the premium, allowing employees to enjoy the benefits without any personal cost.
No, pre-policy medical tests are not required since the plan only covers accidental injuries and related disabilities.
Only employers can claim tax benefits by treating the premium payment as a business expense under applicable tax laws.
Exclusions generally include injuries from self-harm, drug or alcohol abuse, criminal acts, pre-existing conditions, and high-risk activities like adventure sports.
Yes, if an accident leads to permanent disability, the insured member is compensated as per the policy’s terms and conditions.
No, the policy only covers injuries caused by accidents. It does not cover natural causes, self-inflicted harm, or injuries from unlawful activities.
The plan covers both total and partial permanent disabilities, including loss of sight, hearing, or limbs, with compensation based on the severity of the disability.
Compensation depends on the nature of the injury—ranging from partial payouts for minor disabilities to the full sum insured for total disability or accidental death.
Yes, accidents can happen at home or outside. Personal accident insurance provides financial protection against unforeseen injuries or disabilities.
Group Personal Guard Insurance usually offers worldwide coverage, ensuring you are protected against accidental injuries, even during business trips or vacations.
The premium depends on factors like job risk and coverage level, but group plans generally provide comprehensive protection at a more affordable rate.
Yes, the policy pays the full sum insured to the nominee in case of accidental death.
No, strokes and other natural causes are not covered. The policy only compensates for deaths resulting from accidents.
The policy covers accidental death, permanent or partial disability, medical expenses, and additional benefits such as funeral costs and child education support.
No, Group Personal Guard Insurance only covers accidental death and does not provide compensation for natural causes.
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
Why juggle policies when one app can do it all?
Download Caringly your's app!
What is Global Personal Guard Policy?
The Global Personal Guard Policy by Bajaj Allianz General Insurance Company offers a comprehensive global accident insurance solution, providing coverage against accidental injuries, permanent disabilities, and accidental death on a worldwide scale. Life's unpredictability means accidents can happen anytime, anywhere, making this policy an invaluable asset for those looking to protect themselves and their loved ones. Unlike traditional accident coverage, this policy extends beyond national borders, ensuring financial security and support no matter where an accident occurs.
Key features of the global personal guard policy include coverage for accidental hospitalisation, adventure sports, air ambulance services, children’s education, and coma care. Additionally, the globe life and accident insurance offers financial protection for loss of income and covers various incidental expenses. With customisable coverage and flexible sum insured options reaching up to INR 25 crores, Global Personal Guard is designed to support policyholders through life's unexpected events, giving peace of mind to individuals and families alike
Why choose Bajaj Allianz Global Personal Guard?
Life is uncertain; it takes you through twists and turns with accidents that can strike anyone, at any time. Additionally, death or disability of a breadwinner due to an accident can create serious financial problems for your family and you may not be prepared for it.
Bajaj Allianz General Insurance has a special health insurance plan to save you from such financial stress and to help you in your time of need, anytime and anywhere in the world.
Our Global Personal Guard provides extensive worldwide coverage against death, total permanent disability or partial permanent disability and any other injuries caused due to an accident. This health insurance plan also comes in handy against accidents while travelling abroad as it provides a global coverage.
Eligibility Criteria for Global Personal Guard
Criteria | Details |
Entry Age for Proposer | 18 to 70 years |
Entry Age for Dependent Children | 3 months to 25 years |
Dependents Covered | Self, spouse, dependent children, and dependent parents can be included in the policy. |
Occupation-Based Risk Classes | Risk classes determine premium rates based on occupation, including administrative roles (low-risk) to high-risk occupations (e.g., electricians). |
Sum Insured Eligibility | Sum insured options up to 100 times monthly income for Death and 60 times for Total Disability, with maximum coverage up to INR 25 crore |
Dependent Coverage Limits | Coverage for dependent children up to 25% and for spouse/parents up to 50% of the proposer’s sum insured. |
Difference Between Global Accident Insurance and Individual Health Insurance
Criteria | Global Accident Insurance (Global Personal Guard) | Individual Health Insurance |
Coverage Scope | Provides coverage worldwide for accidental injuries, death, and disability | Usually limited to local or national coverage |
Claim Types | Covers accidental death, total/permanent disability, hospitalization due to accidents | Covers illness and health-related hospitalizations |
Adventure Sports Benefit | Optional coverage for high-risk activities like adventure sports | Usually not covered under standard health insurance plans |
Income Protection | Offers compensation for loss of income due to accident-related disability | Usually does not cover income loss |
Optional Covers Available | Additional options like children’s education benefit, coma cover, and EMI payment cover | Limited add-ons based on policy type |
Sum Insured Options | Flexible with high coverage up to INR 25 crore | Varies widely, generally lower than accident insurance |
Who should opt for Global Personal Guard Policy?
The Bajaj Allianz Individual International Accident Insurance Cover is suitable for individuals who travel internationally frequently, either for leisure or business purposes. Here are the key categories of people who should consider opting for this insurance cover:
1. Regular Commuters: If you are someone who has to regularly commute for work or other purposes, this insurance can provide comprehensive coverage against accidental injuries or death while you are outside India.
2. Individuals with specific lifestyles: If your job or hobbies include activities with a more chance of accidents, like adventure sports, construction, or working in remote areas, this insurance can help cover costs if you get injured or disabled.
3. Expatriates and Non-Resident Indians (NRIs): If you are an Indian citizen residing or working abroad, this insurance can serve as an additional layer of protection against accidents and accidental death while you are outside India.
4. Families with Dependents: If you have financial dependents, such as a spouse or children, this insurance can provide a lump sum benefit in case of accidental death or permanent total disability, ensuring financial security for your family.
5. Business Travelers: If you frequently travel abroad for business purposes, this insurance can provide coverage for accidental injuries, emergency medical expenses, and other related benefits while you are on official trips.
What makes our insurance unique
With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144
