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Accident Insurance
Financial protection against accidental injuries, disabilities and death
Benefits
Get comprehensive protection for life's unexpected momentsWorldwide 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
BestSeller
Global Personal Guard
Premium Personal Guard
Saral Suraksha Bima
Get instant access to policy details with a single click
Compare Insurance Plans Made for You
Features |
Global Personal Guard |
![]() Premium Personal Accident |
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 |
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.
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.
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
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
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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24x7 Missed Facility
Filing a Travel Insurance Claim
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Home Insurance Cover
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."
Ravi Sharma
Mumbai
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.”
Anjali Verma
Delhi
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 😊"
Karthik Iyer
Chennai
18th May 2022
Pooja Mehta
"This policy covers all my needs—from medical expenses to accidental disability. It’s a must-have for everyone!"
Pooja Mehta
Bangalore
7th Mar 2024
Amit Singh
"Renewing my policy was simple and hassle-free. I trust Bajaj Allianz to safeguard my future."
Amit Singh
Pune
12th Jan 2024
Download Caringly Yours App!
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.
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
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
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
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.
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
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
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.
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
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.
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.
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.
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
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.
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.
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.
A policy that offers protection against accidents with the following features :
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.
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.
This policy provides total coverage against death, injury or disability caused due to accidents with various benefits:
Insure your family and avail a family discount of 10%.
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.
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 |
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.