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, click here.
Sl / Age |
Basic |
Wider |
Comprehensive |
Death |
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Permanent Total Disability |
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Permanent Partial Disability |
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Temporary Total Disability |
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Children's Education Bonus |
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Sum Insured |
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Medical Expenses + Hospital Confinement |
A policy that offers protection against accidents with the following features :
Extensive cover
This policy insures:
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 |
Children education benefit
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.
Hospital confinement allowance
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.
Covers medical expenses due to accidental injury
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
Personal accident policies provide financial support in case of death/injury/disability as a result of an accident. Unexpected medical expenses can be a major setback financially. A comprehensive personal accident insurance allows you to be financially secure, even after an unforeseen event.
If you meet with an accident and injure any part of your body that may result in a claim, you or a loved one who is making the claim on your behalf must inform us in writing immediately or within 14 days.
In case of death due to an accident, it must be informed to us in writing immediately and a copy of the post-mortem report should be sent to us within 14 days.
Bajaj Allianz General Insurance believes in quick processing of claim settlements. Claims are processed within seven working days from the date of fulfilling all the requirements.
No, Personal Guard policy only covers death occurring due to accidents or accidental injuries.
The eligibility to opt for Personal Guard policy is as given below:
Entry age for proposer and spouse is between 18 years to 65 years.
Entry age for dependent children is between 5 years to 21 years.
My happiness and satisfaction regarding my claim settlement which was approved within 2 days...
Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...
Personal Guard Insurance policy ensures total security and peace of mind.
Tailor made plan to cover all personal accident related scenarios.
Family discount
Insure your family and avail a family discount of 10%.
Hassle-free claim settlement
Our in-house claim settlement team provides seamless and quick claim settlement. Read more
Hassle-free claim settlement
Our in-house claim settlement team provides seamless and quick claim settlement. We also offer cashless facility at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.
Flexible premium computation
The premium differs in case of different risk levels determined by your occupation Read more
Flexible premium computation
The premium differs in case of different risk levels determined by your occupation
Risk Level I: Administrative/managing functions, accountants, doctors, lawyers, architects, teachers.
Risk Level II: Manual labour, garage mechanic, machine operator paid driver (car/truck/heavy vehicles), cash-carrying employee, builder, contractor, a veterinary doctor.
Risk Level III: Workers in underground mines, electric installations with high tension supply, jockey, circus performers, big game hunters, mountaineers, professional river rafters and similar occupations.
Note: For occupations not specified above, please inquire with us.
Annual Premium Rate
You can choose from a range of premium options based on your requirements:
Premium rates are given below (%) - Rs per 1,000/- |
|||
Cover |
Risk Class |
||
|
I |
II |
III |
Basic |
0.45 |
0.6 |
0.9 |
Wider |
1.0 |
1.25 |
1.75 |
Comprehensive |
1.5 |
2.0 |
Not available |
Medical Expenses |
25% of the above premium |
25% of the above premium |
25% of the above premium |
Hospital Confinement |
Rs 300 per person |
Rs 300 per person |
Rs 300 per person |
Cumulative bonus
Avail a cumulative bonus of 10% for every claim-free year up to a maximum of 50%, reduced by 10% if a claim is registered.
Maximum coverage at low premium.
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.
Accidental bodily injury as a result of suicide, attempted suicide or self-inflicted injury or illness.
Accidental injury/death under the influence of liquor or drugs.
Accidental injury/death caused as a result of committing any breach of law with criminal intent.
Accidental injury/death as a result of engaging in aviation or ballooning, while mounting into, dismounting...
Read moreAccidental 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.
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.
Any curative treatments or interventions that you carry out or have carried out on your body.
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.
Your consequential losses of any kind or your actual or alleged legal liability.
Venereal or sexually transmitted diseases.
HIV and/or any HIV related illness including AIDS and/or mutant derivatives or variations thereof however caused.
Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
Treatment arising due to war (whether declared or not), civil war, invasion, an act of foreign...
Read moreTreatment 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.
Treatment arising due to nuclear energy, radiation.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Written By: Bajaj Allianz - Updated: 24th December 2020
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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