Suggested
Accident Insurance
Secure Your Future Against Accidents
Coverage Highlights
Key Benefits of this PlansAssured Payout
Acts as a financial cushion by paying a lumpsum amount in case of accidental death/ disability to protect you or your dependents from hardships of life
Financial Peace of Mind
Provides financial security to the insured's family in the event of the insured's Accidental Death and Permanent Total Disability
Cover Types
Offers financial protection by covering Accidental Death, Disabilities, Medical Expenses, and other related costs due to accidents
Note
Please read Policy wording for detailed terms and conditions
Inclusions
What’s covered?Personal accident cover
Provides cover in case of death or disability caused due to an accident.
Children education benefit
In case of death or disability caused due to an accident, up to 2 dependent children are eligible to receive the children education benefit.
Hospital confinement allowance
In case of death or disability caused due to an accident, a cash benefit is applicable for each day of hospitalisation.
Medical expenses due to an accident
If the claim is accepted under death or disability, reimbursement of the cost of medical expenses is applicable up to 40% of the valid claim amount or actual medical bills, whichever is lesser.
Exclusions
What’s not covered?01
Accidental bodily injury as a result of suicide, attempted suicide or self-inflicted injury or illness.
02
Accidental injury/death under the influence of liquor or drugs.
03
Accidental injury/death caused as a result of committing any breach of law with criminal intent.
04
Accidental injury/death as a result of engaging in aviation or ballooning, while mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
05
Accidental injury/death as a result of participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
06
Any curative treatments or interventions that you carry out or have carried out on your body.
07
Participation in any naval, military or air force operations whether in the form of military exercises maintained without a break or war games or actual engagement with the enemy, whether foreign or domestic.
08
Your consequential losses of any kind or your actual or alleged legal liability.
09
Venereal or sexually transmitted diseases.
10
HIV and/or any HIV related illness including AIDS and/or mutant derivatives or variations thereof however caused.
11
Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
12
Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalisation or requisition of or damage by or under the order of any government or public or local authority.
13
Treatment arising due to nuclear energy, radiation.
Note
Please read Policy wording for detailed exclusions
Additional Covers
What else can you get?Transportation of Mortal Remains Cover
Pays up to 2% of Death Cover sum insured for expenses of transporting mortal remains
Children's Education Benefit
Pays agreed amount as educational cost in case of Death or Permanent Total disability of proposer towards dependent children under the age of 19
Hospital Confinement Allowance
Pays upto INR 2500 per day in case of hospitalization resulting from accidental bodily injury
Accidental Hospitalization Expenses Cover
Pays agreed amount in case of accidental hospitalization
Cumulative Bonus
10% cumulative bonus of Sum insured for every claim free year
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Step-by-Step Guide
How to Buy
0
Visit Bajaj Allianz website
1
Enter personal details
2
Compare health insurance plans
3
Select suitable coverage
4
Check discounts & offers
5
Add optional benefits
6
Proceed to secure payment
7
Receive instant policy confirmation
How to Renew
0
Login to the renewal portal
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Notify Bajaj Allianz about the claim
1
Submit all the required documents
2
Choose cashless or reimbursement mode for your claim
3
Avail treatment and share required bills
4
Receive claim settlement after approval
How to Port
0
Check eligibility for porting
1
Compare new policy benefits
2
Apply before your current policy expires
3
Provide details of your existing policy
4
Undergo risk assessment by Bajaj Allianz
5
Receive approval from Bajaj Allianz
6
Pay the premium for your new policy
7
Receive policy documents & coverage details
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Helpful in Emergencies
"The claim process was quick and hassle-free. I received my hospital cash benefit within days!"
Anand Sharma
Mumbai
29th May 2021
Good Coverage
"This policy gave me peace of mind knowing my family is protected. Highly recommend it!"
Priya Moorthy
Bengaluru
26th Jul 2021
Instant Policy Issuance
"The education support helped us cover school fees after my accident. Truly a lifesaver."
Ravi K.
Delhi
25th Mar 2019
Affordable & Reliable
"I was impressed by the quick reimbursement for my medical expenses. Great service!"
Shweta T
Pune
22nd Apr 2019
Instant Policy Issuance
"The policy's comprehensive coverage ensured I had
Vikram Ramesh
Chennai
4th Feb 2023
Download Caringly your's app!
An accident can take less than 60 seconds to irrevocably change your life. It can happen to you or any of your family members; anywhere and at any time and you need to be prepared for it. We don’t know what is in store for us in the unforeseeable future but we can always stay ready to face it.
We, at Bajaj Allianz General Insurance, understand this and our Personal Guard insurance policy is designed to cover you from the consequences of any unforeseen accidents. This health insurance policy helps you get your life back to normal after an accident, by paying your medical bills, providing children education benefit and much more.
Your financial security is in the right hands with our Personal Guard policy that covers you and your family against any accidental bodily injury, disability or death.
To understand the different types of covers available under this policy,
Sl / Age | Basic | Wider | Comprehensive |
Death | Yes | Yes | Yes |
Permanent Total Disability | No | Yes | Yes |
Permanent Partial Disability | No | Yes | Yes |
Temporary Total Disability | No | No | Yes |
Children's Education Bonus | Yes | Yes | Yes |
Sum Insured | Yes | Yes | Yes |
Medical Expenses + Hospital Confinement | Yes | Yes | Yes |
A policy that offers protection against accidents with the following features :
Scale of benefits description | Compensation as % of sum insured |
An arm at the shoulder joint | 70 |
An arm above the elbow joint | 65 |
An arm beneath the elbow joint | 60 |
A hand at the wrist | 55 |
A thumb | 20 |
An index finger | 10 |
Any other finger | 5 |
A leg above the mid-thigh | 70 |
A leg up to mid-thigh | 60 |
A leg up to beneath the knee | 50 |
A leg up to mid-calf | 45 |
A foot at the ankle | 40 |
A large toe | 5 |
Any other toe | 2 |
An eye | 50 |
Hearing loss in one ear | 30 |
Hearing loss on both ears | 75 |
Sense of smell | 10 |
Sense of taste | 5 |
This policy insures:
If the claim is accepted under death, permanent total disability, permanent partial disability, or temporary total disability, then, we will pay you Rs 1,000 per day of hospitalisation, maximum up to 30 days per policy period.
In case of death or permanent total disability, one-time payment of Rs 5,000 will be payable towards the cost of education for each dependent child, up to 2, who are under 19 years on the date you met with the accident.
If the claim is accepted under death, permanent total disability, permanent partial disability, or temporary total disability, then, we will reimburse the cost of medical expenses due to the accidental injury up to 40% of the valid claim amount or actual medical bills, whichever is lesser.
In case of any accidental bodily injury/death that may result in a claim, please follow the below mentioned process:
Death
PTD (Permanent Total Disability), PPD (Permanent Partial Disability) and TTD (Temporary Total Disability)
Children education bonus
Hospital Confinement Allowance/Medical Expenses Reimbursement