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Personal Accident Insurance: Premium Personal Guard Policy Protect yourself from the expenses of unforeseen accidents

Financial security for you and your loved ones against accidental injuries

What’s in it for you?

Hospital confinement allowance

15-day free look period

Quick claim settlement

Why choose Bajaj Allianz Premium Personal Guard?

A robust health insurance policy is not a privilege, it is a must-have. Life is unpredictable and nobody knows what tomorrow will bring. However, we can always stay prepared for the unforeseen future and secure ourselves from the financial burden that unfortunate events bring. So, it’s only wise to opt for a policy that covers and protects you and your loved ones from financial losses caused by any mishaps or accidents.

Bajaj Allianz Premium Personal Guard is a personal accident insurance that provides comprehensive cover against accidents and supports you in your hour of crisis. Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers high sum assured options ranging from Rs 10 lakh to Rs 25 lakh.

We offer a whole lot when it comes to Premium Personal Guard

Key Features

This plan will leave you relaxed and stress-free because of the cover it provides from various adverse conditions. Here’s how it will make your life simple after a mishap:

  • Extensive cover

    Permanent total disability (PTD): In case of PTD due to an accident, you will be eligible for a payout of 200% of the sum insured.

    Permanent partial disability (PPD): In case of PPD due to an accident, the sum insured payable is as shown below:

    An arm at the shoulder joint

    70%

    An arm above the elbow pint

    65%

    An arm beneath the elbow joint

    60%

    A hand at the wrist

    55%

    A thumb

    20%

    An index finger

    10%

    Any other hnger

    5%

    Meg above mid-thigh

    70%

    Meg up to mid-thigh

    60%

    Meg up to beneath the knee

    50%

    Meg up to mid-calf

    45%

    Afoot at the ankle

    40%

    A large toe

    5%

    Any other toe

    2%

    An eye

    50%

    Hearing of one ear

    30%

    Hearing of both ears

    75%

    Sense of smell

    10%

    Sense of taste

    5%

    Temporary total disability (TTD): In case of TTD due to an accidental bodily injury, a weekly benefit would be payable as per the plan you opt for. Claim payment under TTD benefit is restricted to 50% for your spouse.

    Accidental death cover: 100% sum insured will be paid to your nominee in case of death due to an accident.

  • Family cover

    This policy covers you, your spouse and children in case of accidental injury or death.

  • Comprehensive accidental cover

    This plan covers you from bodily injury, disability or death caused due to an accident.

  • Hospital confinement allowance

    You are eligible to receive a benefit of Rs 1,000 to Rs 2,500 per day, for a maximum period of 30 days, when you are hospitalised.

  • Children education benefit

    In case of death or PTD, you will receive Rs 5,000 (per child) towards the cost of education of up to 2 dependent children (under 19 years on the day of your accident).

  • Cumulative bonus

    Avail 10% cumulative bonus up to your limit of indemnity for every claim-free year, up to 50% of the sum insured in case of hospitalisation.

  • Enhanced sum insured

    You can modify your sum insured when you renew your policy.

To know more about our accident insurance plans, watch this video.

Video

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim Process

The claim for a settlement can be made through the reimbursement process, in case of accidental injury or death. During this process, the initial cost of the complete treatment has to be borne by you. We will then indemnify this amount when you submit all the required paperwork and documents.

Here are the documents required depending on the cover you have claimed for:

A) Death:

  • Duly completed personal accident claim form signed by the nominee.
  • NEFT form and cancelled cheque duly signed by the nominee.
  • Attested copy of the death certificate.
  • Attested copy of the FIR/Panchanama/Inquest Panchanama.
  • Attested copy of the post-mortem report, if conducted.
  • Attested copy of the viscera/chemical analysis report (if viscera is preserved).
  • Attested copy of the statement of witness (if any).
  • Burial certificate (wherever applicable).
  • Insured’s/claimant’s address proof.
  • Original policy copy.
  • 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.

B) PTD, PPD and TTD:

  • Duly completed claim form signed by the claimant.
  • Attested copy of FIR/Panchanama/Inquest Panchanama.
  • Attested copy of the disability certificate from a civil surgeon of a government hospital stating percentage of disability.
  • X-ray/investigation reports supporting the diagnosis.
  • NEFT form and cancelled cheque duly signed by the nominee.
  • Original policy copy.
  • 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.

C) Children’s education bonus:

  • A bonafide certificate from the school/college or certificate from the educational institution/birth certificate.
  • 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.

D) Hospital confinement allowance:

  • First consultation letter from the doctor.
  • Accidental hospital reimbursement.
  • 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.
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LET'S SIMPLIFY HEALTH INSURANCE

What is personal accident insurance?

Personal accident insurance protects you and your loved ones by providing extensive coverage against accidental injuries. Its benefits covers accidental death, disability and injury. 

What is the eligibility for Premium Personal Guard insurance?

The entry age for the proposer and their spouse is between 18 years to 65 years. The entry age for children is between 5 years to 21 years.

Who is the Health Administration Team?

The Health Administration Team (HAT) comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is the single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues of health insurance customers. As a single point of contact, they ensure faster claim settlement. HAT is efficient for the quick resolution of customer queries too.

What is a free look period?

If you are not satisfied with your policy coverage, terms and conditions, you can cancel the policy within 15 days of receipt of the first year policy documents, provided there has been no claim. Please note that the free look period is not applicable for policy renewals.

What are the premium rates for the Premium Personal Guard policy?

Our Premium Personal Guard provides comprehensive coverage against accidental injuries with competitive premium rates, which are mentioned in the table below:

Plan

 

'A'

'B'

'C'

'D'

SI (Rs.)

 

10 lakh

15 lakh

20 lakh

25 lakh

Base Plan

Death

100%

100%

100%

100%

PTD1

200%

200%

200%

200%

PPD2

As per table

TTD3(Rs./wks.)

5,000/100

5,000/100

7,500/100

10,000/100

ADD ON

Accidental Hospitalization Benefit (Rs.)

2,00,000

3,00,000

4,00,000

5,00,000

Hospital Confinement
Allowance

1,000

1,500

2,000

2,500

Premium

Base Plan*

1,300

2,100

2,875

3,650

Add on*

475

710

950

1,200

Additional Member 'A'

Spouse

50% benefits Of Self plan

Base plan*

650

1,050

1,438

1,825

Add on*

238

355

475

600

Additional Member 'B'

Each Child

25% Benefits of Self plan

Base Plan*

325

525

719

913

Add on*

119

178

238

300

How do I get my Premium Personal Guard policy?

You can simply call our toll-free number or contact any of our agents directly. We will be happy to take you through our user-friendly processes, step-by-step. You can also visit our website www.bajajallianz.co.in to purchase the insurance online.

Why should I buy Premium Personal Guard policy online?

If you want a quick and hassle-free purchase, buying online is the way to go. We are here to help you to buy premium personal guard policy easily and efficiently. Our multiple payment options will further ease your payment woes. Your policy is issued online, which saves you the effort of ever carrying a hard copy. All these factors, along with proactive customer support, makes buying Premium Personal Guard policy online a better alternative.

How can I pay for my policy online?

You can buy our insurance online and pay using the following modes:

·         Cheque or cash payment at our branch.

·         ECS

·         Online payment – debit/credit card and net banking.

Our happy customers!

Rama Anil Mate Mumbai

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu Mumbai

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra Mumbai

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Get yourself and your family covered by Premium Personal Guard today.

Sum insured ranging from 10 lakh to 25 lakhs.

That’s not all, here are the additional benefits with your Premium Personal GuardAll-in-one insurance that covers death, disability and injury caused due to accidents and offers various benefits:

Multiple sum insured options

Sum insured options ranging between Rs 10 lakh and Rs 25 lakh.

Hassle-free claim settlement

Our in-house claim settlement team provides seamless and quick claim settlement. We also offer cashless... 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. 

Renewability

You can renew your Premium Personal Guard policy for your entire lifetime.

Up to 200% of sum insured in case of permanent total disability.

Important points to note before buying Premium Personal Guard

  • Inclusions
  • Exclusions

Family cover

Covers self, spouse and children.

Comprehensive accidental cover

Covers you against bodily injury, disability or death caused due to an accident.

Hospital confinement allowance

Receive a per day cash benefit for a maximum period of 30 days, in case of hospitalisation due to an accident.

Children education bonus

Receive Rs 5,000 towards the cost of education of up to 2 dependent children, in case of death or permanent total disability.

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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 more

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.

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...

Read more

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 enemies...

Read more

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.

Treatment arising due to nuclear energy, radiation.

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Customer Stories

Juber Khan
Rama Anil Mate

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Juber Khan
Suresh Kadu

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Juber Khan
Ajay Bindra

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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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.

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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