Robinhood Insurance Broker Private Limited

Bajaj Allianz Premium Personal Guard

Company Overview

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, Personal Accident Plans, etc.

Contact Details

Toll-Free No.: 1800-209-5858

Product Overview -
Bajaj Allianz Premium Personal Guard

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 - Bajaj Allianz Premium Personal Guard

Hospital confinement allowance - In case if the insured has claimed under AD, PTD, PPT, TTD, then the insurance company shall pay Rs. 1000/- to Rs. 2500 for per day of hospitalization for a max of 30 days.

Accidental Hospitalization Expenses - In the event you are hospitalised due to an accident, any medical expenses will be reimbursed upto the Sum Insured.

In the event of Permanent Total Disability due to an accident, 200% of Sum Insured is payable.

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.

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).

Eligibility Criteria - Bajaj Allianz Premium Personal Guard

Age Group Min Age: 18 Years Max Age: 65 Years for Proposer
Min Age: 5 Years Max Age: 21 Years for Dependent Children
Renewal Age Life Long Renewal
Sum Insured Rs. 10 Lacs to Rs. 25 Lacs (10 Lacs SI is restricted for the age 66 years and above)
Policy Tenure 1 Year 
Family Definition Individual & Family - (Self - AD - 100%, PTD - 200% of the SI), (Spouse - AD & PPD - 50%, PTD - 100% of SI and Dependent Child - AD & PPD - 25%, PTD - 100% of SI)

Product Benefits - Bajaj Allianz Premium Personal Guard

BenefitsPremium Personal Guard
  A B C D
Accidental Death (AD) 100% of Sum Insured
Permanent Total Disability (PTD) 200% 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
Temporary Total Disablement (TTD) (Rs./Week) 5000/100 5000/100 7500/100 10,000/100

Add-ons - Bajaj Allianz Premium Personal Guard

Add-OnPremium Personal Guard
  A B C D
Accidental Hospitalization Benefit Rs. 2 Lac Rs. 3 Lac Rs. 4 Lac Rs. 5 Lac
Hospital Confinement Allowance Rs. 1000 Rs. 1500 Rs. 2000 Rs. 2500

Additional Discounts - Bajaj Allianz Premium Personal Guard

Not Available

Exclusion - Bajaj Allianz Premium Personal Guard

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.
  • As a result of any curative treatments or interventions that insured carry out or have carried out on his body.
  • Nuclear energy, radiation, etc.
Please refer the policy Terms & Conditions for a detailed list of exclusions.

Claim Process - Bajaj Allianz Premium Personal Guard

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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