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Sankat Mochan

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Experience the joys of life with an assurance of Extra Safety for you! Bajaj Allianz General Insurance Company introduces Sankat Mochan policy which assures complete protection from Accidental Injuries. Sankat Mochan policy covers Death, Permanent disability, Temporary disability, Accidental Hospital cash and Accidental hospitalization expenses.
1. Features
 
  • Highest compensation of 125% of the SI in case of Permanent Total Disability
  • Inbuilt Children's Educational Bonus benefit
  • Daily hospital confinement allowance payable in case of hospitalization due to accident (As per the plan opted)
  • Medical expenses reimbursement in case of hospitalization due to accidents
  • No health check up required
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2. Benefits
 
  • Personal accident benefit and accidental hospitalization expenses are covered under a single policy
  • Hassle free in house claim settlement with minimal documentation
  • This policy also covers terrorism related accidental losses for the victims
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Coverage
  • Covers Death, Permanent Partiality Disability, Permanent Total Disability, & Temporary Total disability
  • In case of Temporary Total Disability 1% of SI / week will be payable up to max 100 weeks
 
Exclusions
  • Accidental bodily injury:
    1.through suicide, attempted suicide or self inflicted injury or illness
    2. while under influence of liquor or drugs
    3.through deliberate or intentional, unlawful or criminal act, error, or omission
    3.aviation or ballooning,-
    4.participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs. - result of curative treatments or interventions carried out
    5.participation in any naval, military or air force operations whether in the form of military exercises or actual war
  • Your consequential losses of any kind or your actual or alleged legal liability
  • Venereal or sexually transmitted diseases
  • HIV (Human Immunodeficiency Virus)
  • Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these
  • War (Whether declared or not)
  • Nuclear energy, radiation
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Guidelines
  • This Policy can be given only for risk Class 1 and 2
  • Risk Class I:
    Insured is mainly engaged in administrative or managing functions, accountant, doctor, lawyer, architect, consulting engineer, teacher, and banker or primarily engaged in a similar occupation
  • Risk Class II:
    Insured is engaged in manual labor, garage or motor mechanic, machine operator, paid driver of a car, a truck, a lorry or other heavy vehicles, cash carrying employee, wood wording machinist or a builder - contractor and engineer in superintending functions, veterinary doctor, or engaged in a similar occupation
  • Entry age for self and spouse - 18 years - 65 years, renewal up to 65 years
  • Entry age for children - 5years - 21 years
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Basis of Determining the Sum Insured for PA
  • Basic: Max 100 times of Monthly income
  • Wider: Maximum 60 times of Monthly income
  • Comprehensive: Maximum 24 times Annual income or Maximum of 5 Lac (not to be given to risk category III)
  • The Capital Sum Insured not to exceed 120 times the monthly income
 
Plans
  • Total 16 plans
  • Self can choose the plan as per the requirement and commensuration of income
  • Spouse can be covered under Plan 1-5
  • Children can be covered under plan 1-3 only, comprehensive cover not available for children
 
Sankat Mochan Plans
Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Basic 200000 100000 0 0 0 0 0 0
Wider 0 0 100000 0 200000 0 0 300000
Comp 0 0 0 100000 0 200000 200000 0
Acc Hosp. 100000 50000 50000 50000 100000 100000 100000 100000
Acc Hosp Cash 0 1000 1000 1000 1000 0 1000 0
Final Premium Risk class 1* 240 470 525 575 650 450 750 450
Final Premium Risk class 2* 270 485 550 625 700 550 850 525
Sankat Mochan Plans
Plans Plan 9 Plan 10 Plan 11 Plan 12 Plan 13 Plan 14 Plan 15 Plan 16
Basic 0 0 0 0 0 0 0 200000
Wider 300000 0 0 0 0 0 0 200000
Comp 0 300000 300000 500000 500000 500000 500000 200000
Acc Hosp. 100000 100000 100000 100000 100000 200000 200000 200000
Acc Hosp Cash 1000 0 1000 0 1000 0 1000 1000
Final Premium Risk class 1* 750 600 900 900 1200 1050 1350 1190
Final Premium Risk class 2* 825 750 1050 1150 1450 1300 1600 1370
*Premium rates exclusive of service tax.
*Disclaimer: The above information is indicative in nature and for more details on the coverage, terms and exclusions please get in touch with our nearest office

The above brochure is applicable for policies in-force from 1 October 2013 onwards. Customers with policies dated 30 September 2013 and before, please click here

PDFICON Health Insurance Regulations Key Features
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Disclaimer: Notwithstanding my telephone/mobile is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me.

Disclaimer

Notwithstanding my telephone/mobile is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me.

 
   
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