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Commercial Insurance

Group Personal Accident Insurance

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Key Features

Secure Every Step, Safeguard Every Life

Coverage Highlights

What's Covered?

  • Wide Eligibility

Suitable for groups such as employer-employee groups, self help groups,trade associations,sports clubs,professional clubs and many more including their family members

  • Tailor-made plans

A wide range of covers to curate plans for your group members and employees financial security

  • Cashless Treatment

Cashless treatment at network hospitals to ensure you don't run pillar and post at the time of emergency

  • Instant Issuance

Simplified enrollment process without the need for medical tests

  • Easy Claim Process

Simplifies the claim process with minimal documentation and quick settlements

Inclusions

What’s covered?

  • Accidental Death Coverage

Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date

  • Permanent Total Disability (PTD) Cover

Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date

  • Permanent Partial Disability (PPD) Cover

Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date

  • Temporary Total Disability (TTD) Cover

If an accident temporarily prevents you from working, the policy may offer weekly benefits to compensate for lost income during the recovery period for maximum 100 weeks

  • Transportation of Mortal Remains Cover

Pays agreed amount towards expenses of transporting mortal remains in case of accidental death

  • Lifestyle Modification Benefit

Pays agreed amount in case of PTD, PPD towards lifestyle modification to help you adjust to new circumstances

  • Disappearance

Pays Death Cover sum insured if insured person is declared as disappeared as per terms & conditions

  • Note

Please read policy wording for detailed terms and conditions

Exclusions

What’s not covered?

  • Intoxication

While under the influence of liquor or drugs, alcohol or other intoxicants

  • Participation in hazardous activities

While engaged in any hazardous activity unless specifically insured

  • Self Inflicted Acts

Self-inflicted injuries, suicide attempts, insanity and illegal acts

  • Adventure Sports Benefit

Whilst engaging in Adventure Sports unless specifically insured

  • War & Related Perils

The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders

  • Note

Please read policy wording for detailed exclusions

Additional Coverages

What else can you get?

  • Accidental Hospitalisation

Pays agreed amount for in patient hospitalisation arising out of an injury/accident

  • Hospital Cash Benefit

Pays a per day benefit amount for the period of hosppitalization subject to maximum of 60 days per policy period

  • Road Ambulance Cover

Reimburses you ambulance ride cost in case of an accident and need an ambulance to take you to the nearest hospital or need to be moved to another hospital with better facilities

  • Note

Please read the policy wordings for detailed inclusions

Benefits You Deserve

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Customization

Tailor your coverage as per your requirement

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24x7 Claim Assistance

Employees can get help anytime, reducing stress during emergencies

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Ease of Policy Management

Track employee insurance details, claims, endorsements online

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Customisable Policies

Tailored coverage as per your needs
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Paperless Transactions

Complete your transactions digitally from purchase to policy management
Assistance

User-Friendly

Simple terms make it easy to understand

Download Policy Document

Get instant access to your policy details with a single click.

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Policy Wordings
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Customer Info Sheet
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Why Insure Your Employee's Health with Bajaj Allianz?

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Cashless Network Hospitals

Access to cashless treatment at 18,400+ hospitals

Quick Claim Settlement

Sixty minutes is all it takes
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Customisable Coverage

Choose the policy coverages as per your requirement

Award-Winning Insurer

Top-rated group mediclaim plans

Trusted Risk Advisor

Mobile Self Risk Assessment

PRIME Inspection app helps to evaluate quality of your property (Shop, Office, Plant or Others) having SI upto INR 50 crs. It is simple to navigate having multiple Q & A designed for client

Instant Generation of Risk Report

It helps Provide Risk Recommendations, Risk Quality Rating (RQR), Peer Comparison & GAP Analysis for the client

Start Your Journey

Frequently Bought Together

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Group Mediclaim Insurance

  • Secure your Employee's Health & Wellness
  • Hassle Free Cashless Setllements

Standard Fire & Special Perils Policy

  • Coverage for industrial units, warehouses, hotels etc
  • Protects against perils like fire, lightning, explosion, natural disasters, riots etc

Marine Open Policy

  • One policy, multiple shipments, zero hassle
  • Ensure seamless transit coverage all year round with one policy—no hassles, no interruptions

Commercial General Liability

  • Shields against liability due to third party bodily injury & property damage
  • Pays defense costs and fees

Step-by-Step Guide

To help you navigate your insurance journey

How to Buy

  • 0

    Visit the Bajaj Allianz General Insurance website

  • 1

    Fill in the lead generation form with accurate details

  • 2

    Get quote, make payment and receive the policy documents

Buy Now

How to Renew

  • 0

    Contact the Policy Issuing Office

  • 1

    Review expiring policy and share necessary details

  • 2

    Receive renewal quote

  • 3

    Make renewal payment

  • 4

    Receive the renewed policy documents via email

Renew Now

How to Claim

  • 0

    Contact us through our customer service touchpoints

  • 1

    Submit the claim form along with the necessary documents

  • 2

    Provide details of the incident and any supporting evidence

  • 3

    Cooperate with the claims investigation process

  • 4

    Receive the claim settlement as per the policy terms

Claim Now

Know More

  • 0

    For any further queries, please reach out to us

  • 1

    Toll Free : For Sales :1800-209-0144

  • 2

    Email ID: bagichelp@bajajallianz.co.in

Contact Us

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Why Choose Us

Awards
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Bajaj Allianz General Insurance won IBEX award
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What Our Customers Say

Helpful in Emergencies

I had an unfortunate accident, and this insurance saved me from a major financial burden. The hospitalisation expenses were covered smoothly, and I had no issues with the process.

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Priya Sekhsaria

Ahmedabad

4.5

29th May 2021

Good Coverage

The coverage is solid, but submitting documents for claims could be made simpler. Otherwise, it’s a good policy with reasonable benefits.

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Sujata Biswas

Kolkata

4.7

26th Jul 2021

Instant Policy Issuance

Very user-friendly. I got coverage in less than 10 minutes.

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Jaykumar Rao

Bhopal

4.7

25th May 2019

Affordable & Reliable

This insurance plan is worth every penny! Our organisation chose this policy, and it offers great financial security in case of an accident. The premium is affordable, and the coverage is excellent.

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Rohan Ahuja

Delhi

5

22nd Apr 2019

Hassle-free Claims

Our company recently opted for this group health insurance, and it has been a fantastic decision. The coverage is extensive, including pre-existing conditions and maternity benefits.

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Aniruddh Singh

Delhi

5

27th Jul 2020

Excellent for Startups

We run a small business and wanted affordable yet comprehensive health coverage for our employees. This policy turned out to be the perfect fit! The premium is reasonable.

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Shweta

Aurangabad

5

10th Jun 2019

FAQ's

How to port Group Personal Accident policy?
The insured beneficiary can port their Group Personal Accident policy to another insurer by applying at least 45 days but no earlier than 60 days before renewal, as per IRDAI guidelines. If continuously insured without lapses under any Indian health insurance policy, they will receive accrued continuity benefits for waiting periods.

How to appoint a nominee under the Group Personal Accident policy?
At the start of the policy, the policyholder must nominate a person to receive claim payments in case of their death. Any nomination changes must be requested in writing and take effect only after endorsement. If no nominee exists, the claim is paid to the legal heirs or representatives, whose receipt is considered a full and final settlement.

How are Group Personal Accident Insurance premiums calculated?
Group Personal Accident Insurance premiums are determined by multiple factors, including the number of employees and dependents covered, the nature of their occupation and associated risks, and the sum insured for each individual. Additionally, opting for extra coverage, such as child education benefits, can impact the overall cost.

What is medical expense reimbursement under this policy?
Medical expenses reimbursement (if opted for and specified in the schedule) covers necessary medical treatment costs incurred due to an Accidental Bodily Injury. The reimbursement is capped at 40% of the approved claim amount or ₹5,00,000, whichever is lower. The expenses must be for treatment by a qualified doctor.

What is the hospital confinement allowance under this policy?
Hospital Confinement Allowance (if opted as per the policy schedule) provides ₹1,000 per complete day of hospitalisation due to an accidental bodily injury. The maximum payout is capped at ₹30,000 for the entire policy period, regardless of multiple claims for the insured person(s).

What is the transportation cover allowance under this policy?
Under transportation cover, if a claim for the insured person’s death is accepted, we will cover the actual cost of transporting their remains to a hospital, home, cremation, or burial ground. The payout is limited to the lower of ₹5,000 or 2% of the sum assured under the Basic, Wider, or Comprehensive coverage, as specified in the policy schedule.

What is the children's education benefit under this policy?
Children’s Education Benefit (available if opted for in the policy schedule) provides financial support for the education of an insured person's dependent children. If a claim is accepted, a one-time payment of ₹5,000 per child (up to two children under 19 years old) is made to cover education costs in case of accidental bodily injury.

What is death & permanent total disability cover under this policy?
Under a Group Personal Accident Policy, Death Cover ensures that if the insured suffers an accidental bodily injury during the policy period that results in death within 12 months, the nominee receives 100% of the sum assured, as per the selected plan (Basic, Wider, or Comprehensive).

What is permanent total disability cover under this policy?
Permanent Total Disability (PTD) Cover under the Group Personal Accident Policy provides 125% of the sum assured (Wider or Comprehensive plans) if an accident causes total disability within 12 months, benefiting either the insured person or employer.

What is the temporary permanent disability cover under this policy?
If an insured person suffers an accidental bodily injury during the policy period that fully prevents them from working, a weekly benefit will be paid. This amount is the lower of 1% of the sum assured under the comprehensive cover or ₹5,000 per week. Payments start upon proof of total disability & continue until recovery or for up to 100 weeks.

How do I file an employee compensation claim?
Notify your employer immediately after the injury occurs. Fill out a claim form and submit it along with medical reports and any other required documentation to the insurer.

What documents are needed to file an employee compensation claim?
Essential documents needed to file a claim under employee compensation insurance include a completed claim form, medical reports, accident or incident reports, proof of employment, and any other relevant documents such as police reports in case of a major incident.

How long does it take to process an employee compensation claim?
The processing time can vary depending on the complexity of the claim and the relevance & accuracy of the documentation provided. Prompt reporting and submission of all required documents can expedite the process.

What should I do if my employee compensation claim is denied?
If your claim is denied, review the reasons provided by the insurer. You can appeal the decision by providing additional evidence or documentation to support your claim.

Are there any exclusions in employee compensation claims?
Common exclusions include injuries resulting from intentional misconduct, self-inflicted injuries, and injuries sustained while under the influence of drugs or alcohol. Always review your policy for specific exclusions.

How do I renew my Employee Compensation Insurance policy?
Contact your insurer before the policy expiration date to discuss renewal options. Review your coverage needs and make any necessary adjustments to the policy.

Can I make changes to my employee insurance policy upon renewal?
Yes, you can update your policy to reflect any changes in your business operations, such as new job roles, increased workforce, or additional coverage needs.

What factors should I consider when renewing my policy?
Consider changes in your workforce, job roles, and any new risks that may have emerged. Review your past claims and adjust coverage limits as needed at the time of renewal as well.

Is there a grace period for renewing employee insurance policies?
Some insurers may offer a grace period, but there’s no guarantee. It’s important to renew your policy before it expires to avoid any gaps in coverage.

Can I switch insurers when renewing my Employee Compensation Insurance
No, you can’t switch the insurer for your existing employee insurance. However, you may get a new policy with a different insurer at the time of renewal if needed. Ensure there is no lapse in coverage during the transition.
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With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144