Personal Guard - Accident Health Insurance Plan
General Insurance Company
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited 74% and Allianz SE 26% as on 31st March 2013. Bajaj Allianz General Insurance Co. Ltd offers products like Motor Insurance, Health Insurance, Travel Insurance, Home Insurance Etc.
Toll Free line: 1800-209-5858
E-mail: customercare@bajajallianz.co.in
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of Personal Guard - Accident Health Insurance Plan
In the event of Permanent Total Disability due to an accident, the company shall pay 125% of the Sum Insured.
Children's Education Bonus - If a claim under AD or PTD is accepted for an insured person, we will pay Rs. 5000/- each towards the cost of education. (up to maximum of two children).
Hospital confinement allowance - In case if the insured has claimed under AD, PTD, PPT, TTD, then the insurance company shall pay Rs. 1000 per day of hospitalization for a max. of 30 days.
Transportation of Mortal Remains - Expenses incurred on transporting the mortal remains of the insured person to the nearest hospital due to an accident or to his residence or from the hospital and/or to a cremation or burial ground.
Medical Expenses due to accidental injury - In the event you are hospitalised due to an accident, any medical expenses will be reimbursed upto the Sum Insured.
In the event of no claim during the current year then the insured will get Cumulative Bonus - Additional 10% to the sum insured, subject to max. of 50%
Eligibility Criteria for Personal Guard - Accident Health Insurance Plan
| Category | Description | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 65 Years for Proposer & Spouse Min Entry Age: 5 Years Max Entry Age: 21 Years for Dependent Children |
||||||||
| Renewal Age | Life Long Renewal | ||||||||
| Policy Tenure | 1 Year | ||||||||
| Family Definition | Individual & Family - Self, Spouse and Dependent Children | ||||||||
| Coverage | Details | Eligibility | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Basic | Death | Max 100 times of Monthly Income subject to maximum of Rs. 25 Lacs (10 Lacs SI is restricted for the age 66 years and above) | |||||||
| Wider | Death+PTD+PPD | Max 60 times of Monthly Income (10 Lacs SI is restricted for the age 66 years and above) | |||||||
| Comprehensive | Death+PTD+PPD+TTD | Max 24 times of Monthly Income or maximum of Rs. 5 Lacs | |||||||
Product Benefits of Personal Guard - Accident Health Insurance Plan
| Benefits | Details | |||||
|---|---|---|---|---|---|---|
| Accidental Death (AD) | 100% of Sum Insured | |||||
| Permanent Total Disability (PTD) | 125% AD Sum Insured | |||||
| Permanent Partial Disability (PPD) | As per the limits specified in the table | |||||
| Transportation of Mortal Remains | Up to Rs. 5000 or 2% of SA | |||||
| Children's Education Bonus | Rs. 5000 each for 2 dependent children's (Age below 19 years) | |||||
| Temporary Total Disablement (TTD) | 1% of SI or Rs. 5000 per week, whichever is less | |||||
| Cumulative Bonus | Policy is claim free then the sum insured will be increased by 10%, subject to max. 50% or 5yrs. | |||||
Add-ons for Personal Guard - Accident Health Insurance Plan
| Add-On | Description | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Accidental Hospitalisation Cover | Reimbursement up to 40% of valid claim amount or Rs. 5 Lacs, whichever is less | |||||||||||||
| Hospital Confinement | Rs. 1000 per 24 hrs of hospitalization, maximum up to 30 days per policy period | |||||||||||||
Additional discounts for Personal Guard - Accident Health Insurance Plan
Not Available
Exclusion in Personal Guard - Accident Health Insurance Plan
Accidental Bodily Injury that insured met while:
- Suicide, attempted suicide or self inflicted injury or illness.
- Under the influence of liquor or drugs.
- Arising or resulting from the insured person(s)
- Committing any breach of law with criminal intent.
- Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of these.
- Nuclear energy, radiation, etc.
Claim Process for Personal Guard - Accident Health Insurance Plan
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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