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Accident Insurance

Personal Accident Insurance Policy: Personal Guard

Key Features

Secure Your Future Against Accidents

Coverage Highlights

Key Benefits of this Plans
  • Assured 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

Benefits You Deserve

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Comprehensive Coverage

Offers protection through base and optional covers

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Cumulative Bonus

Avail a cumulative bonus of 10% of the sum insured for every claim-free year

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High Sum Insured

Choice of sum insured from INR 10 Lacs to INR 25 Lacs

Download Policy Document

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

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Step-by-Step Guide

To help you navigate your insurance journey

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

Insurance Samjho

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Critical Illness Insurance

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Health Claim by Direct Click

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Personal Accident policy

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Global Personal Guard Policy

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 Roadside/Spot assistance

Caringly Yours (Motor Insurance)

Travel Insurance Claim

Cashless Claim

24x7 Missed Facility

Filing a Travel Insurance Claim

My Home–All Risk Policy

Home Insurance Claim process

Home Insurance Simplified

Home Insurance Cover

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What Our Customers Say

Helpful in Emergencies

"The claim process was quick and hassle-free. I received my hospital cash benefit within days!"

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Anand Sharma

Mumbai

4.2

29th May 2021

Good Coverage

"This policy gave me peace of mind knowing my family is protected. Highly recommend it!"

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Priya Moorthy

Bengaluru

4.0

26th Jul 2021

Instant Policy Issuance

"The education support helped us cover school fees after my accident. Truly a lifesaver."

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Ravi K.

Delhi

4.3

25th Mar 2019

Affordable & Reliable

"I was impressed by the quick reimbursement for my medical expenses. Great service!"

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Shweta T

Pune

4.4

22nd Apr 2019

Instant Policy Issuance

"The policy's comprehensive coverage ensured I had

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Vikram Ramesh

Chennai

4.4

4th Feb 2023

FAQ's

Why should I have a personal accident cover?

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.

How do I submit my claim?

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.

How soon will my claim be settled?

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.

Does the Personal Guard policy cover natural death or death due to some illness/disease?

No, Personal Guard policy only covers death occurring due to accidents or accidental injuries.

What is the entry age under Personal Guard policy?

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.

Why is medical insurance necessary for your health?

Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.

How many dependent members can I add to my family health insurance pla

You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.

Why should you compare health insurance plans online?

Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.

Why should you never delay the health insurance premium?

Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

How to get a physical copy of your Bajaj Allianz General Insurance Com

Request a physical copy from the insurer or take a printout of the digital policy document received via email.

Is there a time limit to claim health cover plans?

Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.

What exactly are pre-existing conditions in an Individual Health Insur

Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.

How is the insurer going to pay my hospital bills?

Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).

Are there any tax advantages to purchasing Individual Health Insurance

Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).

Why should I need Personal Medical Insurance?

Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.

How do I go about renewing health insurance plans?

Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.

How is the health insurance renewal premium calculated?

We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.

Can I renew my expired health insurance policy?

Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo

Can I renew health insurance online?

Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.

Will I be able to transfer my health insurance policy from another pro

Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
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Why choose Bajaj Allianz Personal Guard?

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

YesYesYes

Permanent Total Disability

NoYesYes

Permanent Partial Disability

NoYesYes

Temporary Total Disability

NoNoYes

Children's Education Bonus

YesYesYes

Sum Insured

YesYesYes

Medical Expenses + Hospital Confinement

YesYesYes

We offer a whole lot when it comes to Personal Guard

Key Features

A policy that offers protection against accidents with the following features :

  • ● Extensive cover
    • ● Death: In case of death due to an accident, 100% of the sum insured will be payable to your nominee.
    • ● Permanent total disability (PTD): In case of PTD due to an accident, avail compensation of 125% of the sum insured.
    • ● Permanent partial disability (PPD): In case of permanent partial disability due to an accident, we will pay the percentage of sum assured as applicable:

      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

       

    • ● Temporary total disability (TTD): In case of TTD, you are eligible to receive 1% of the sum insured or Rs 5,000 per week, whichever is lesser.
  • This policy insures:

  • ● 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.

  • ● 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.

  • ● 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.

Claim Process

Claim process

In case of any accidental bodily injury/death that may result in a claim, please follow the below mentioned process:

  • ● You, or your loved one who is making the claim on your behalf, must inform us in writing within 30 days.
  • ● You must immediately consult a doctor and follow the advice and treatment that they recommend.
  • ● You must take reasonable steps to lessen the consequence of the bodily injury.
  • ● You must have yourself examined by our medical advisors (if required).
  • ● You, or your loved one who is making the claim on your behalf, must provide all the documentation and information required to investigate and settle the claim.
  • ● In case of your death, a loved one who is making the claim on your behalf, must inform us in writing and send us a copy of the post-mortem report within 30 days (if required).
  • ● The other relevant documents to be submitted along with the claim form are as follows:

Death

  • ● Duly completed claim form signed by the nominee/legal heir.
  • ● A copy of the police Panchanama/inquest Panchanama, FIR, post-mortem report, and death certificate.
  • ● Attested copy of the viscera report (only if it is preserved and sent for further analysis which is mentioned on the post-mortem report).
  • ● NEFT details and cancelled cheque of the nominee/legal heir of the insured person.
  • ● A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

PTD (Permanent Total Disability), PPD (Permanent Partial Disability) and TTD (Temporary Total Disability)

  • ● Duly completed claim form signed by the insured.
  • ● Attested copy of the disability certificate from a civil surgeon of a government hospital stating percentage of disability.
  • ● X-ray and medical examination reports supporting the disability.
  • ● Attested copy of FIR (if any).
  • ● Photograph of the patient before and after the accident, supporting the disability.
  • ● NEFT details and cancelled cheque of the insured person.
  • ● A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Children education bonus

  • ● Bonafide certificate from school/college or certificate from the educational institution.
  • ● A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Hospital Confinement Allowance/Medical Expenses Reimbursement

  • ● First consultation letter from the doctor.
  • ● Duly completed claim form signed by the claimant.
  • ● Hospital discharge card.
  • ● Hospital bill giving detailed break-up of all expense heads mentioned in the bill. Clear break-ups have to be mentioned for OT charges, doctor’s consultation and visit charges, OT consumables, transfusions, room rent, etc.
  • ● Money receipt, duly signed with a revenue stamp.
  • ● All original laboratory and diagnostic test reports, for example, X-ray, ECG, USG, MRI Scan, haemogram, etc.
  • ● Other documents as may be required by Bajaj Allianz General Insurance to process the claim.
  • ● A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.