Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Bajaj Allianz Car Insurance Personal Care Policy

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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

Purchasing a car is a huge investment which requires planning and preparation. Chances are, we may need a hand from a financial company in the form of a car loan to make this huge purchase. The expenses do not stop at the purchase of your car, we also need to think about insuring the car which will make sure that we are completely safe on the roads. The 'Personal Care Insurance Policy' by Bajaj Allianz is designed keeping you as a priority. It comes loaded with features and benefits that ensure you are worry free on the road and secure from all unforeseen instances.


Bajaj Allianz Car Insurance Personal Care Policy Coverage

Covers in Personal Care Insurance Policy includes:

  1. Personal Accident Care
  2. This cover secures the following:

    • Death Cover: During the Policy Period, if the insured meets with an accident which results in their death within 12 months of the accident, then Bajaj Allianz will pay 100% of the insured amount to the specified nominee.
    • Permanent Total Disability Cover: During the Policy Period, if the insured meets with an accident which results in their permanent total disability within 12 months of the accident, then Bajaj Allianz will pay the insured 125% of the insured amount.
    • Permanent Partial Disability Cover: During the Policy Period, if the insured meets with an accident which results in their permanent partial disability within 12 months of the accident, then Bajaj Allianz will pay the insured a percentage of the Sum Insured (specified for this cover) for each form of listed impairment.
    • Temporary Total Disability Cover: During the Policy Period, if the insured meets with an accident which results in the insured being unable to attend their work, he/she will be entitled to get Rs. 5000 per week with this cover. The insured can avail this weekly payment for a maximum of 100 weeks from the date of the accident or until he/she can go back to work.

    Additionally, the insured can also avail Transportation Benefits and Children's Education Benefits. For more details regarding this please contact Bajaj Allianz or check out the official website.

  3. Payment Protection Care
  4. During the Policy Period, if the insured meets with an accident which results in their permanent total disability and/or death within 12 months of the accident, then Bajaj Allianz will pay the insured the balance outstanding car loan amount.

  5. EMI Care
  6. During the Policy Period, if the insured meets with an accident which results in the insured being hospitalized for a minimum period of 7 consecutive days and unable to attend their work for a minimum period of 30 consecutive days, then he/she will be able to avail this cover. Bajaj Allianz will pay 1/3rd of the insured amount every month or their EMI (whichever is lower).

    This payment can be availed until the insured person is able to get back to work or for a maximum of 3 months from the date of the accident, whichever is earlier.

  7. Medical Expenses Care
  8. During the Policy Period, if the insured meets with an accident, Bajaj Allianz will pay for the medical expenses that arise out of the insured’s sustained injuries. Everything from the customary and reasonable medical expenses sustained by the insured person including the in-patient charge and day care treatments. Expenses for nursing care, undergoing medical procedures, attention of medical staff, as well as medical consumables will be covered. In addition, the charge for the ambulance used for transporting the injured from the accident site will also be covered (up to Rs. 1000 per claim).

Bajaj Allianz Car Insurance Personal Care Policy Exclusions

Personal Care Insurance Policy does not cover events linked to the following

  1. Unintentional Bodily Injury that the insured:

    • due to self-inflicted injury/illness, suicide or attempted suicide.
    • when under the influence of drugs or alcohol.
    • if the insured breaks any law and is thus in an accident in relation to it
    • if the insured takes part in activities such as aviation or ballooning.
    • if the insured is in a motor vehicle during motor in a race/ trial runs.
    • Due to any interventions/curative treatments on the insured’s body.
    • if the insured takes part in naval, air force or military operations.

  2. Losses that the insured suffers because of alleged or actual legal liability.

  3. Disablement/injury/ death which is directly/indirectly caused by or contributed to by a pre-existing condition. This exclusion will be seized under certain situations. Please check the official website for more details.

  4. Sexually transmitted diseases and Venereal diseases.

  5. Any HIV related diseases including AIDS (Acquired Immune Deficiency Syndrome), HIV (Human Immunodeficiency Virus) and/or variations of these.

  6. Pregnancy, miscarriage, childbirth, abortion or complications due to any of these.

  7. War, invasion, including civil war, rebellion, insurrection, detainment, confiscation, revolution, mutiny etc.

  8. Nuclear radiation and related damages.

Eligibility For Personal Care Policy with Bajaj Allianz

In order to apply for a Personal Care Insurance Policy from Bajaj Allianz, one must:

  • Be between the ages 18 and 65.
  • Purchase a car by getting a car loan from a financial institution.
  • Must not:
  • Be part of the Paramilitary, Military or Police Departments
  • Be alcoholics or drug abusers
  • Be patient of epilepsy and undergoing treatment for it.
  • Be working with electric installations with high tension supply, working in underground mines, jockey, big game hunters, circus performers, professional river rafters, mountaineers or have other similar occupation.

Premium Amount and Plan Description of Bajaj Personal Care Policy

Cover

Silver Plan: Sum Insured

Gold Plan: Sum Insured

Platinum Plan: Sum Insured

Transportation Benefit

Rs. 5000

Rs. 5000

Rs. 5000

Payment Protection Care

Rs. 250000

Rs. 375000

Rs. 625000

Medical Expenses Care

Rs. 75000

Rs. 100000

Rs. 150000

EMI Care

Rs. 30000

Rs. 45000

Rs. 75000

Personal Accident Care

Rs. 500000

Rs. 750000

Rs. 1250000

Children’s Education Benefit

Rs. 10000

Rs. 10000

Rs. 10000

Annual Premium (Service Tax Extra)

Rs. 1405

Rs. 1950

Rs. 2990

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Bajaj Allianz Car Insurance Reviews

Page 1 of 14 1 2 3 4 5
  • Bajaj Allianz Car Insurance
    "Low premium with better benefits"
    0.5 5.0/5 "Blown Away!"
    One more policy taken for my another car its Maruthi dezire I paid the premium around Rs. 4000 its a old car, around 6 to 7 years, I have comprehensive plan its not zero depreciation plan. The customer service is good the premium is low and the max cover is nice.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 13, 2018
  • Bajaj Allianz Car Insurance
    "Low premium with better benefits"
    0.5 5.0/5 "Blown Away!"
    My both the polices are insured with Bajaj Allianz, I have taken one policy for my Maruthi Ciaz car, I paid the premium was around Rs. 8000, I have taken the comprehensive it covers for the loss, damage, other natural disaster, hence I am fine with them.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 13, 2018
  • Bajaj Allianz Car Insurance
    "Good claim process with fast service"
    0.5 4.0/5 "Great!"
    The premium amt is good in Bajaj Allianz and economical too, I paid Rs. 25k for one year. I have Hyundai I ton card its 3 years old, they gave me best insured declared amount, I got the papers on time, my claim exp is good, car got damaged and replaced and gave it on time, even they have lined with many service centers.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 05, 2018
  • Bajaj Allianz Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Cost of the car policy is good in Bajaj Allianz. I have Maruthi card they best insured value based on the age. I don't have any claim experience. The insurance company gave me Rs. 2.5 lakhs for one year, third party cover and personal accidental cover is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 03, 2018
  • Bajaj Allianz Car Insurance
    "GOOD SERVICE"
    0.5 4.5/5 "Excellent!"
    BAJAJ ALLIANZ LIFE INSURANCE is the insurance provider where i am holding my car insurance policy with this provider. I am holding it from past 3 years and the premium i paid 5600 rupees for my car. The policy is for fully insured for my car.
    Was this review helpful? 2
    , coimbatore
    Reviewed on Nov 23, 2018
  • Bajaj Allianz Car Insurance
    "Superb Policy"
    0.5 5.0/5 "Blown Away!"
    I selected Bajaj Allianz for my car. I chosen the company because of the lower premium rates. They have sent all my documents to my residential address. They do have regular follow up with the customer regarding the car insurance. I never had any issues with this policy. I pay the premium amount of Rs. 6300 and i have not availed the bumper to bumper facility. They have provided me the no claim bonus upto 50%.
    Was this review helpful? 2
    , bangalore
    Reviewed on Nov 01, 2018
  • Bajaj Allianz Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a car insurance policy with Bajaj Allianz and i have taken this policy for 2 years. A premium of Rs 17000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
    Was this review helpful? 1
    , nellore
    Reviewed on Oct 31, 2018
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I got Car insurance from Bajaj allianz through As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it annually through online banking
    Was this review helpful? 1
    , vadodara
    Reviewed on Oct 17, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I am having a car insurance with Bajaj Allianz from last 5-6 years, i pay a premium of more than Rs 9000. I had claimed 2 times with this insurance policy. There was no cashless garage facility provided. They covered 80% and i am happy with the coverage value.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 11, 2018
  • Bajaj Allianz Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with Bajaj Allianz from last 4 years and it is a good policy to use. I pay a premium of Rs 14000 for this insurance policy. I also get no claim bonus and it is 0% depreciation, it has a full coverage and there was no claim experience so far.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 02, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car is insured with Bajaj Allianz from last 3 years, they charge Rs 1000 as processing charges. It has a full coverage and i pay a premium of Rs 12000 for this insurance policy. My claim experience was good with this insurance and it is 0% depreciation.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Oct 01, 2018
  • Bajaj Allianz Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance policy from the Bajaj Allainz . I am paying a premium of 18000 per year. I have claimed this policy once and the claim experience was really good. It has been a good experience with the policy and their services.
    Was this review helpful? 2
    , thane
    Reviewed on Sep 26, 2018
  • Bajaj Allianz Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My car is insured with the Bajaj Allianz general Insurance. I am paying a premium of 8000 rupees per year. So far there hasn't been any claim experience with the policy. I haven't faced any issues with their services.
    Was this review helpful? 2
    , thane
    Reviewed on Sep 26, 2018
  • Bajaj Allianz Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    My car is insured with Bajaj Allianz from last 10 years and it is a good policy to use. I pay a premium of Rs 5000 for this insurance policy. I have claimed this insurance 4 years back and they covered 80% and i am happy with the coverage value of this insurance policy.
    Was this review helpful? 1
    , kolkata
    Reviewed on Sep 06, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    My car is insured with Bajaj Allianz from last 1 year and it is a good policy to use. I am not aware of the premium amount of this insurance policy. My claim experience was good with this policy and they covered bumper to bumper damage, There was no cashless garage option.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Aug 30, 2018
  • Bajaj Allianz Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I've been using the Bajaj Allainz Car insurance policy for a while now. I have a paid a premium of 15000 per year, the premium will be lowered after 1 year. They also offered a fair IDV value for my car. I've claimed this policy once and the whole claim process was easy and hassle free.
    Was this review helpful? 2
    , kolkata
    Reviewed on Jul 16, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
    Was this review helpful? 2
    , kolkata
    Reviewed on Jul 13, 2018
  • Bajaj Allianz Car Insurance
    "Good Service so far"
    0.5 4.0/5 "Great!"
    My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 11, 2018
  • Bajaj Allianz Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 11, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I had a car insurance with Bajaj allianz for 1 year and it is one of the good policy to use. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance. I pay a premium of Rs 8000 for this car insurance and they cover bumper to bumper.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 28, 2018
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