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Accident Insurance

Personal Accident Insurance Policy: Personal Guard

PersonalAccidentInsurance

Key Features

Financial protection against accidental injuries, disabilities and death

Benefits

Get comprehensive protection for life's unexpected moments
  • Worldwide Coverage

Offers protection regardless of where the accident occurs, ensuring peace of mind during travel

  • Affordable Premiums

Personal Accident insurance policies come with nominal premiums compared to other types of insurance

  • No Medical Check-Up Required

Most of the Personal Accident insurance plans do not require a medical examination, making it easier to buy

  • Lump Sum Payout

Pays agreed amount In case of accidental death or disability

  • Easy Claim Process

Simplified and quick claim process to provide timely financial assistance during emergencies

  • Discounts

Personal Accident insurance policies can offer discounts to customers. Some policies offer a discount when covering multiple family members under a single policy

  • Note

Please read Policy wording for detailed terms and conditions

Inclusions

What's covered?
  • Accidental Death Cover

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

Pays agreed amount in case of accidental bodily Injury of the proposer resulting in total temporary disability

Exclusions

What's not covered?
  • Self-Inflicted Injuries

Injuries resulting from intentional harm or attempted suicide are not covered

  • Intoxication

Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

  • Participation in Hazardous Activities

Injuries sustained during high-risk activities or adventure sports, such as bungee jumping or skydiving, are usually not covered unless specifically included in the policy

  • Pre-Existing Conditions (PEDs)

Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

  • Pregnancy and Childbirth

Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered

  • War and Related Perils

Injuries or death resulting from war, civil unrest, or acts of terrorism are typically excluded

  • Mental Illness

Injuries or death resulting from mental illnesses or emotional distress are usually excluded

  • Note

Please read Policy wording for detailed exclusions

Additional Covers

What else can you get?
  • Choice of riders

Enhance your coverage by adding riders to your select Personal Accident plans

  • Health Prime Rider

Provides coverages like teleconsultation, Doctors Consultation (In-Clinic), Dental Wellness,Emotional Wellness, Diet & nutrition consultations as per opted Plan

  • Respect Rider (Senior Care)

Emergency assistance for senior citizens with services such as SOS alert, doctor on call, 24x7 ambulance service etc

  • Accidental Hospitalization Expenses Cover

Pays agreed amount in case of accidental hospitalization

  • Hospital Daily Cash Allowance

Pays an agreed per day allowance in case of hospitalization resulting from accidental bodily injury

Accident Insurance

Health

Personal Accident Insurance

BestSeller

Global Personal Guard

  • 3 base & 12 optional covers
  • Worldwide coverage
  • High Sum Insured upto INR 25 crores
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Premium Personal Guard

  • Upto 10% Cumulative Bonus
  • Hospital Confinement Allowance
  • Easy & quick claim settlement
Know More

Saral Suraksha Bima

  • Max 50% Cumulative Bonus
  • 10% SI as Education Grant
  • Coverage upto INR 1 Crore
Know More

Why Purchase Online?

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Exclusive Discounts

Enjoy special discounts on buying online

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Ease of purchase

Save time with a fast and easy online application

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Lifetime Renewability

Renew your policy online for life without age limits.

Download Policy Documents

Get instant access to policy details with a single click

At-A-Glance

Compare Insurance Plans Made for You

Features
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Global Personal Guard

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Premium Personal Accident

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Saral Suraksha Bima

Sum Insured INR 50,000 – INR 25 Crores INR 10 Lacs- INR 25 Lacs INR 2.5 Lacs - INR 1 Crore
Coverage Accidental Death, PTD, PPD, TTD, Accidental Hospitalisation, Adventure Sports Benefit, Children Education Benefit Accidental Death, PTD, PPD, Accidental Hospitalisation Accidental Death, PTD, PPD, TTD, Accidental Hospitalisation, Education Grant
Accident Death Benefit 100% of sum insured 100% of sum insured 100% of sum insured
Permanent Total Disability (PTD) 100% of sum insured 100% of sum insured 100% of sum insured
Permanent Partial Disability (PPD) Upto 75% of sum insured Upto 70% of sum insured Upto 50% of sum insured
Temporary Total Disability (TTD) Not Available 0.2% of sum insured per week Maximum INR 10,000 for 100 weeks
Accidental Hospitalisation Expenses Available Available 10% of the base sum insured
Child Education Benefit Optional cover available Onetime payment of INR 5000 each for 2 dependent children 10% of the base sum insured per child
Adventure Sports Cover Available if opted Not available Not Available
Fracture Care Available Not available Not Available

Expand Your Coverage Today

Respect Care Rider

Tooltip text

Emergency assistance for senior citizens

Designed for senior citizens

Starting from

INR 907 + GST

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Health Prime Rider

Tooltip text

Tele, In-Clinic Doctor Consultation and Investigation

Dental, Nutrition and Emotional Wellness

Starting from

INR 298 + GST

Buy Now

Wellness Supervisor

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

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 app

  • 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 using app

  • 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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  • Customised plans that grow with you
  • Proactive coverage for future milestones
  • Expert advice tailored to your profile
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24x7 Missed Facility

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What Our Customers Say

Ravi Sharma

"I feel secure knowing my family is protected if anything happens. The claim process was smooth and quick! Truly delighted and I highly recommend."

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Ravi Sharma

Mumbai

4.2

28th Nov 2022

Anjali Verma

“Possibly the smoothest purchase ever! Buying the policy online was easy, and the coverage is extensive. It gives me peace of mind every day.”

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Anjali Verma

Delhi

4.3

2nd Jul 2023

Karthik Iyer

The customer support team was responsive and helpful during my claim. I’m glad I chose Bajaj Allianz! Thank you 😊"

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Karthik Iyer

Chennai

4.3

18th May 2022

Pooja Mehta

"This policy covers all my needs—from medical expenses to accidental disability. It’s a must-have for everyone!"

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Pooja Mehta

Bangalore

4.1

7th Mar 2024

Amit Singh

"Renewing my policy was simple and hassle-free. I trust Bajaj Allianz to safeguard my future."

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Amit Singh

Pune

4.3

12th Jan 2024

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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.

What does personal accident cover?

A personal accident insurance policy provides financial protection against injuries, disabilities, or death caused by accidents. It covers medical expenses, hospitalisation, temporary or permanent disabilities, and accidental death. Additional benefits often include children’s education bonuses, transportation costs for mortal remains, and weekly i

What all is not covered in personal accidents?

Personal accident insurance policies exclude specific scenarios such as self-inflicted injuries, suicide, accidents caused under the influence of alcohol or drugs, and injuries arising from illegal activities or criminal acts. Other exclusions may include participation in hazardous activities like racing, adventure sports, or military operations. T

What kind of documentation is required for PA cover?

To avail of personal accident insurance, you need essential documents such as proof of identity (Aadhaar or passport), proof of age (birth certificate or PAN card), and income proof (salary slips or IT returns). For claims, additional documents like medical reports, an FIR (if applicable), hospital bills, and a filled claim form may be required. En

Can I claim multiple personal accident insurance?

Yes, you can claim benefits from multiple personal accident insurance policies as long as the coverage terms are valid and align with the conditions specified in each policy. Always review individual policy terms to confirm eligibility for multiple claims.

How do I claim the policy after an accident?

To claim a personal accident insurance policy, inform Bajaj Allianz General Insurance Company immediately after the accident. Submit the claim form along with required documents like medical reports, hospital bills, an FIR (if applicable), and proof of disability or death. Ensure accurate and complete documentation to avoid delays. Once verified, B

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.

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.

Key Features of Personal Accident Insurance Policy?

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

Extensive cover

This policy insures:

-        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.

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.

Additional Benefits with Your Personal Guard

This policy provides total coverage against death, injury or disability caused due to accidents with various benefits:

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. We also offer cashless facility at more than 18,400+ 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

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.