Bajaj Allianz Premium Personal Guard Plan

This plan provides for in the case of disabilities or even death that arises out of accidents.

Features & Benefits - Bajaj Allianz Premium Personal Guard:

Entry Age 18 years to 65 years. Dependent children covered from 5 years to 21 years.
Eligibility Indian Nationals only at Risk Level 1. Risk Level I: Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations.
Types Four schemes with varying premium payments and sum insured. A – Sum insured Rs. 10 lakh. Base plan premium – Rs. 1,300*. B – Sum insured Rs. 15 lakh. Base plan premium – Rs. 2,100*. C – Sum insured Rs. 20 lakh. Base plan premium – Rs. 2,875*. D – Sum insured Rs. 25 lakh. Base plan premium – Rs. 3,650*. *Service tax extra
Sum Insured Rs. 10 lakh to Rs. 25 lakh.
Renewal
  • Can be renewed up to 65 years of age for policyholder.
  • Annual policy.
  • 30 days grace period for renewal.
Features and advantages
  • 200% of sum insured payable in the case of Permanent Total Disability.
  • 100% of sum insured payable in the case of Death.
  • Weekly benefit payable in case of Temporary Total Disability, restricted to 50% for the spouse.
Other benefits Children’s Education Bonus Rs. 5,000 per child up to a maximum of 2, below the age of 19 or 10% of sum insured, whichever is lesser. Hospital Confinement Rs. 1,000 per day for a maximum of 30 days of hospitalization. Medical Expenses Up to 40% reimbursement of valid claim amount or medical bills, whichever is lesser. Transportation of mortal remains Transportation of remains to hospital, cremation ground or burial ground, limited to the lower of Rs. 5,000 or 2% of sum assured.
Medical examination criteria Policyholders must get examined by Bajaj Allianz medical advisors upon request and must do so how many ever times necessary.
Exclusions for injuries as a result of:
  • Drug or alcohol abuse.
  • Suicide, attempted suicide or self-inflicted injury or illness.
  • Injury as a result of breach of law with criminal intent.
  • During motor racing events, as a driver, co-driver or passenger.
  • Self-attempted curative measures or treatments.
  • HIV / AIDS, other STDs.
  • War (whether declared or not), civil war, invasion, 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 local authority.
  • Pregnancy, resulting in childbirth, miscarriage, abortion or complications arising out of these.
  • Nuclear radiation.
  • Military, Naval or Air Force operations.
  • While engaging in aviation in any capacity other than as a passenger on a duly licensed standard type of aircraft.

The world becomes a scary and uncertain place when people meet with accidents and injuries that render them unable to work and support their families. Disabilities sometimes mean termination of employment, which means suffocation of income which eventually leads to your family starving. Avoid all this with disability benefits from Bajaj Allianz Health Insurance - Premium Personal Guard, which has a claim settlement ratio of over 71%, ensuring that you and your family stay protected even in the worst of scenarios.

*Disclaimer: Please chose your policy wisely after careful consideration of all policy documents and literature therein. Diligent examination and scrutiny of terms and conditions, exclusions (if any) and conditions on premium payments is strongly advised. This article is purely informational and is not designed to influence your decision in any way.

Find cashless network hospitals nearby: BAJAJ Allianz Health Insurance Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Also Read: How to File a Claim with Bajaj Allianz?

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GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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