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
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
Eligibility Criteria for Personal Guard - Accident Health Insurance Plan
|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|
|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
|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
|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
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.