Suggested
Accident Insurance
Secure Your Future Against Accidents
Coverage Highlights
Key Benefits of this PlansAssured 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?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
Exclusions
What’s not covered?Self Inflicted Acts
Self-injury, illegal activities, hazardous activitirs and more
Intoxication
While under the influence of liquor or drugs , alcohol or other intoxicants
Pre-existing Condition(s)
Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded
Participation in Hazardous Activities
While engaged in hazardous activity unless specifically insured
War & Related Perils
The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders
Pregnancy and Childbirth
Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered
Adventure Sports Benefit
Whilst engaging in Adventure Sports unless specifically insured
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
Get instant access to your policy details with a single click.
Track, Manage & Thrive with Your All-In-One Health Companion
From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
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 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
Diverse more policies for different needs
Critical Illness Insurance
Health Claim by Direct Click
Personal Accident policy
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
Helpful in Emergencies
"The claim process was quick and hassle-free. I received my hospital cash benefit within days!"
Anand Sharma
Mumbai
29th May 2021
Good Coverage
"This policy gave me peace of mind knowing my family is protected. Highly recommend it!"
Priya Moorthy
Bengaluru
26th Jul 2021
Instant Policy Issuance
"The education support helped us cover school fees after my accident. Truly a lifesaver."
Ravi K.
Delhi
25th Mar 2019
Affordable & Reliable
"I was impressed by the quick reimbursement for my medical expenses. Great service!"
Shweta T
Pune
22nd Apr 2019
Instant Policy Issuance
"The policy's comprehensive coverage ensured I had
Vikram Ramesh
Chennai
4th Feb 2023
Download Caringly your's app!
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.
Here are the key categories of people who should consider opting for this insurance cover:
1. Regular Commuters: If you are someone who has to regularly commute for work or other purposes, this insurance can provide comprehensive coverage against accidental injuries or death while you are outside India.
2. Individuals with specific lifestyles: If your job or hobbies include activities with a more chance of accidents, like adventure sports, construction, or working in remote areas, this insurance can help cover costs if you get injured or disabled.
3. Expatriates and Non-Resident Indians (NRIs): If you are an Indian citizen residing or working abroad, this insurance can serve as an additional layer of protection against accidents and accidental death while you are outside India.
4. Families with Dependents: If you have financial dependents, such as a spouse or children, this insurance can provide a lump sum benefit in case of accidental death or permanent total disability, ensuring financial security for your family.
5. Business Travelers: If you frequently travel abroad for business purposes, this insurance can provide coverage for accidental injuries, emergency medical expenses, and other related benefits while you are on official trips.
In case of death due to accidental bodily injury of the proposer, 100% of the Sum Insured would be paid to the nominee.
In case of PTD due to accidental bodily injury, 200% of the Sum Insured is payable for the proposer.
In case of PPD due to accidental bodily injury of the proposer, a percentage of the Sum Insured as shown in the PPD table would be payable. The claim payment under Death, PTD, and PPD would be restricted to 50% for the spouse and 25% for the child, provided the spouse and child are covered under the policy.
In case of TTD due to accidental bodily injury of the proposer, a weekly benefit would be payable as per the plan opted. The claim payment under the TTD benefit would be restricted to 50% for the spouse.
If a claim under Death of you/your family member(s) named in the schedule is accepted, the actual cost of transporting the remains from the place of death to a hospital, cremation ground, or burial ground will be paid. The amount paid will be limited to the lower of Rs. 5,000/- or 2% of the Sum Assured shown under the schedule.
In case of Death or Permanent Total Disability of the proposer, a one-time payment of Rs. 5,000/- each towards the cost of education of up to 2 dependent children under the age of 19 on the date of the accidental bodily injury.
Rs. 1,000/- to Rs. 2,500/- per day, as per the plan opted, for a maximum of 30 days of hospitalization.
Reimbursement of the cost of medical expenses due to accidental injury up to the Sum Insured.
For every claim-free year, you are eligible for a Cumulative Bonus (CB) of 10% of the Sum Insured. The maximum cumulative bonus would be 50% of the Sum Insured up to 5 claim-free years. In the event of a claim, the Cumulative Bonus will be reduced by 10% of the Sum Insured on the next renewal.