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Hospital confinement allowance
15-day free look period
Quick claim settlement
A robust health insurance policy is not a privilege, it is a must-have. Life is unpredictable and nobody knows what tomorrow will bring. However, we can always stay prepared for the unforeseen future and secure ourselves from the financial burden that unfortunate events bring. So, it’s only wise to opt for a policy that covers and protects you and your loved ones from financial losses caused by any mishaps or accidents.
Bajaj Allianz Premium Personal Guard is a personal accident health insurance policy that provides comprehensive cover against accidents and supports you in your hour of crisis. Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers high sum assured options ranging from Rs 10 lakh to Rs 25 lakh.
A personal accident insurance policy is a financial assurance that provides monetary compensation in case of accidental injuries, disabilities, or death. It acts as a crucial backup during unforeseen situations, ensuring your family’s financial stability. This policy covers a wide range of scenarios, including medical expenses, loss of income due to temporary or permanent disabilities, and even accidental death benefits.
For instance, in the event of hospitalisation due to an accident, the policy reimburses medical costs and provides additional allowances for recovery. It may also include educational benefits for children and transportation expenses for mortal remains. Designed to alleviate financial stress, personal accident insurance offers comprehensive protection for you and your loved ones during challenging times.
Accidents can disrupt lives, leaving a lasting impact on your physical, emotional, and financial well-being. A personal accident insurance policy acts as a financial shield, ensuring stability during such unexpected events. This policy covers hospitalisation costs, medical expenses, and income loss incurred due to temporary or permanent disabilities caused by accidents. In case of accidental death or permanent disabilities, it provides a lump-sum payout to your family, helping them cope with financial challenges.
Additional benefits, such as children’s education bonuses, ensure your dependents’ future remains secure even during difficult times. With its comprehensive coverage, a personal accident insurance scheme not only protects your finances but also provides peace of mind, making it an essential tool for financial preparedness.
This plan will leave you relaxed and stress-free because of the cover it provides from various adverse conditions. Here’s how it will make your life simple after a mishap:
Extensive cover
Permanent total disability (PTD): In case of PTD due to an accident, you will be eligible for a payout of 200% of the sum insured.
Permanent partial disability (PPD): In case of PPD due to an accident, the sum insured payable is as shown below:
An arm at the shoulder joint |
70% |
An arm above the elbow pint |
65% |
An arm beneath the elbow joint |
60% |
A hand at the wrist |
55% |
A thumb |
20% |
An index finger |
10% |
Any other hnger |
5% |
Meg above mid-thigh |
70% |
Meg up to mid-thigh |
60% |
Meg up to beneath the knee |
50% |
Meg up to mid-calf |
45% |
Afoot at the ankle |
40% |
A large toe |
5% |
Any other toe |
2% |
An eye |
50% |
Hearing of one ear |
30% |
Hearing of both ears |
75% |
Sense of smell |
10% |
Sense of taste |
5% |
Temporary total disability (TTD): In case of TTD due to an accidental bodily injury, a weekly benefit would be payable as per the plan you opt for. Claim payment under TTD benefit is restricted to 50% for your spouse.
Accidental death cover: 100% sum insured will be paid to your nominee in case of death due to an accident.
Family cover
This policy covers you, your spouse and children in case of accidental injury or death.
Comprehensive accidental cover
This plan covers you from bodily injury, disability or death caused due to an accident.
Hospital confinement allowance
You are eligible to receive a benefit of Rs 1,000 to Rs 2,500 per day, for a maximum period of 30 days, when you are hospitalised.
Children education benefit
In case of death or PTD, you will receive Rs 5,000 (per child) towards the cost of education of up to 2 dependent children (under 19 years on the day of your accident).
Cumulative bonus
Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year, up to 50% of the sum insured in case of hospitalisation.
Enhanced sum insured
You can modify your sum insured when you renew your policy.
The claim for a settlement can be made through the reimbursement process, in case of accidental injury or death. During this process, the initial cost of the complete treatment has to be borne by you. We will then indemnify this amount when you submit all the required paperwork and documents.
Here are the documents required depending on the cover you have claimed for:
A) Death:
B) PTD, PPD and TTD:
C) Children’s education bonus:
D) Hospital confinement allowance:
Personal accident insurance protects you and your loved ones by providing extensive coverage against accidental injuries. Its benefits covers accidental death, disability and injury.
The entry age for the proposer and their spouse is between 18 years to 65 years. The entry age for children is between 5 years to 21 years.
The Health Administration Team (HAT) comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is the single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues of health insurance customers. As a single point of contact, they ensure faster claim settlement. HAT is efficient for the quick resolution of customer queries too.
If you are not satisfied with your policy coverage, terms and conditions, you can cancel the policy within 15 days of receipt of the first year policy documents, provided there has been no claim. Please note that the free look period is not applicable for policy renewals.
Our Premium Personal Guard provides comprehensive coverage against accidental injuries with competitive premium rates, which are mentioned in the table below:
Plan |
|
'A' |
'B' |
'C' |
'D' |
SI (Rs.) |
|
10 lakh |
15 lakh |
20 lakh |
25 lakh |
Base Plan |
Death |
100% |
100% |
100% |
100% |
PTD1 |
200% |
200% |
200% |
200% |
|
PPD2 |
As per table |
||||
TTD3(Rs./wks.) |
5,000/100 |
5,000/100 |
7,500/100 |
10,000/100 |
|
ADD ON |
Accidental Hospitalization Benefit (Rs.) |
2,00,000 |
3,00,000 |
4,00,000 |
5,00,000 |
Hospital Confinement |
1,000 |
1,500 |
2,000 |
2,500 |
|
Premium |
Base Plan* |
1,300 |
2,100 |
2,875 |
3,650 |
Add on* |
475 |
710 |
950 |
1,200 |
|
Additional Member 'A' |
Spouse |
50% benefits Of Self plan |
|||
Base plan* |
650 |
1,050 |
1,438 |
1,825 |
|
Add on* |
238 |
355 |
475 |
600 |
|
Additional Member 'B' |
Each Child |
25% Benefits of Self plan |
|||
Base Plan* |
325 |
525 |
719 |
913 |
|
Add on* |
119 |
178 |
238 |
300 |
|
You can simply call our toll-free number or contact any of our agents directly. We will be happy to take you through our user-friendly processes, step-by-step. You can also visit our website www.bajajallianz.co.in to purchase the insurance online.
If you want a quick and hassle-free purchase, buying online is the way to go. We are here to help you to buy premium personal guard policy easily and efficiently. Our multiple payment options will further ease your payment woes. Your policy is issued online, which saves you the effort of ever carrying a hard copy. All these factors, along with proactive customer support, makes buying Premium Personal Guard policy online a better alternative.
You can buy our insurance online and pay using the following modes:
· Cheque or cash payment at our branch.
· ECS
· Online payment – debit/credit card and net banking.
A personal accident insurance policy provides financial protection against injuries, disabilities, or death caused by accidents. It covers medical expenses, hospitalisation, temporary or permanent disabilities, and accidental death. Additional benefits often include children’s education bonuses, transportation costs for mortal remains, and weekly income compensation for temporary disabilities. This comprehensive coverage ensures financial security and peace of mind during unforeseen circumstances caused by accidents.
Personal accident insurance policies exclude specific scenarios such as self-inflicted injuries, suicide, accidents caused under the influence of alcohol or drugs, and injuries arising from illegal activities or criminal acts. Other exclusions may include participation in hazardous activities like racing, adventure sports, or military operations. The policy also does not cover pre-existing disabilities or injuries sustained before purchasing the policy.
To avail of personal accident insurance, you need essential documents such as proof of identity (Aadhaar or passport), proof of age (birth certificate or PAN card), and income proof (salary slips or IT returns). For claims, additional documents like medical reports, an FIR (if applicable), hospital bills, and a filled claim form may be required. Ensuring accurate and complete documentation expedites the claim process.
Yes, you can claim benefits from multiple personal accident insurance policies as long as the coverage terms are valid and align with the conditions specified in each policy. Always review individual policy terms to confirm eligibility for multiple claims.
To claim a personal accident insurance policy, inform Bajaj Allianz General Insurance Company immediately after the accident. Submit the claim form along with required documents like medical reports, hospital bills, an FIR (if applicable), and proof of disability or death. Ensure accurate and complete documentation to avoid delays. Once verified, Bajaj Allianz General Insurance Company processes the claim, providing financial assistance as per the policy terms.
My happiness and satisfaction regarding my claim settlement which was approved within 2 days...
Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...
Get yourself and your family covered by Premium Personal Guard today.
Sum insured ranging from 10 lakh to 25 lakhs.
Sum insured options ranging between Rs 10 lakh and Rs 25 lakh.
Our in-house claim settlement team provides seamless and quick claim settlement. We also offer cashless... Read more
Hassle-free claim settlement
Our in-house claim settlement team provides seamless and quick claim settlement. We also offer cashless facility at more than 18,400+ network hospitals* across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.
You can renew your Premium Personal Guard policy for your entire lifetime.
To ensure financial protection against unforeseen accidents, it is crucial to understand the eligibility requirements for purchasing a personal accident insurance policy. These criteria ensure the policy is accessible to a wide range of individuals:
This inclusive framework makes personal accident insurance accessible for both individuals and families.
Purchasing a personal accident insurance policy online is a quick and hassle-free process. Here’s how you can do it:
This simple process ensures quick access to accident insurance coverage without physical paperwork.
The table below outlines the key differences between personal accident insurance and individual health insurance:
Features |
Personal Accident Insurance |
Individual Health Insurance |
Coverage |
Covers accidents, disabilities, and death. |
Covers hospitalisation and treatment for illnesses. |
Premium |
Affordable for all age groups. |
Premium increases with age and pre-existing conditions. |
Payout Mode |
Lump-sum benefit or weekly income compensation. |
Reimbursement for hospitalisation expenses. |
Add-On Benefits |
Includes education bonuses, transportation costs, and funeral expenses. |
Typically limited to treatment and post-hospitalisation care. |
Purpose |
Focuses on mitigating the financial impact of accidents. |
Provides financial support for medical treatments. |
Both policies cater to specific needs, but personal accident insurance is essential for accident-related risks.
Road accidents remain a grave concern in India, with the nation recording some of the highest numbers globally. As per data from the Ministry of Road Transport and Highways, over 1.55 lakh lives were lost in road accidents in 2021, while more than 3.7 lakh individuals suffered injuries. These numbers underline the urgent need for robust financial safeguards, such as accident insurance policies.
A personal accident insurance scheme provides financial compensation for medical expenses and income loss. It also ensures family support during critical times. With the alarming frequency of road accidents, having adequate insurance is a practical and responsible step to shield yourself and your loved ones from unexpected financial crises.
Covers you against bodily injury, disability or death caused due to an accident.
Accidental injury/death as a result of engaging in aviation or ballooning, while mounting into, dismounting...
Read moreAccidental injury/death as a result of engaging in aviation or ballooning, while mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
Participation in any naval, military or air force operations whether in the form of military exercises...
Read moreParticipation in any naval, military or air force operations whether in the form of military exercises maintained without a break or war games or actual engagement with the enemy, whether foreign or domestic.
Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies...
Read moreTreatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalisation or requisition of or damage by or under the order of any government or public or local authority.
Treatment arising due to nuclear energy, radiation.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
(Based on 3,912 reviews & ratings)
Rama Anil Mate
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Suresh Kadu
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Ajay Bindra
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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