Bajaj Allianz Premium Personal Guard Plan

18 years to 65 years.

Dependent children covered from 5 years to 21 years.

Indian Nationals only at Risk Level 1.

Risk Level I: Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations.

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

• Can be renewed up to 65 years of age for policyholder.
• Annual policy.
• 30 days grace period for renewal.

• 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.

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.

Policyholders must get examined by Bajaj Allianz medical advisors upon request and must do so how many ever times necessary.

• 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.