Bajaj Allianz Premium Personal Guard Health Insurance Plan

Entry Age

18 years to 65 years. Dependent children covered from 5 years to 21 years.

Eligibility

Risk Level I:

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

1. Can be renewed up to 65 years of age for policyholder.
2. Annual policy.
3. 30 days grace period for renewal.

Features and advantages

1. 200% of sum insured payable in the case of Permanent Total Disability.
2. 100% of sum insured payable in the case of Death.
3. Weekly benefit payable in case of Temporary Total Disability, restricted to 50% for the spouse.

Other benefits

Children's Education Bonus

Hospital Confinement

Medical Expenses

Transportation of mortal remains

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:

1. Drug or alcohol abuse.
2. Suicide, attempted suicide or self-inflicted injury or illness.
3. Injury as a result of breach of law with criminal intent.
4. During motor racing events, as a driver, co-driver or passenger.
5. Self-attempted curative measures or treatments.
6. HIV / AIDS, other STDs.
7. 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.
8. Pregnancy, resulting in childbirth, miscarriage, abortion or complications arising out of these.
9. Nuclear radiation.
10. Military, Naval or Air Force operations.
11. While engaging in aviation in any capacity other than as a passenger on a duly licensed standard type of aircraft.