Personal Accident Insurance Policy

A policy that offers protection against accidents with the following features :

Extensive Cover 

●        Death: In case of death due to an accident, 100% of the sum insured will be payable to your nominee.

●        Permanent total disability (PTD): In case of PTD due to an accident, avail compensation of 125% of the sum insured.

●        Permanent partial disability (PPD): In case of permanent partial disability due to an accident, we will pay the percentage of sum assured as applicable:

●        Temporary total disability (TTD): In case of TTD, you are eligible to receive 1% of the sum insured or Rs 5,000 per week, whichever is lesser.

This policy insures:

1. Hospital confinement allowance: If the claim is accepted under death, permanent total disability, permanent partial disability, or temporary total disability, then, we will pay you Rs 1,000 per day of hospitalisation, maximum up to 30 days per policy period.

2. Children education benefit: In case of death or permanent total disability, one-time payment of Rs 5,000 will be payable towards the cost of education for each dependent child, up to 2, who are under 19 years on the date you met with the accident.

3. Covers medical expenses due to accidental injury: If the claim is accepted under death, permanent total disability, permanent partial disability, or temporary total disability, then, we will reimburse the cost of medical expenses due to the accidental injury up to 40% of the valid claim amount or actual medical bills, whichever is lesser.

In case of any accidental bodily injury/death that may result in a claim, please follow the below mentioned process:

●        You, or your loved one who is making the claim on your behalf, must inform us in writing within 30 days.

●        You must immediately consult a doctor and follow the advice and treatment that they recommend.

●        You must take reasonable steps to lessen the consequence of the bodily injury.

●        You must have yourself examined by our medical advisors (if required).

●        You, or your loved one who is making the claim on your behalf, must provide all the documentation and information required to investigate and settle the claim.

●        In case of your death, a loved one who is making the claim on your behalf, must inform us in writing and send us a copy of the post-mortem report within 30 days (if required).

The other relevant documents to be submitted along with the claim form are as follows:

Death 

●        Duly completed claim form signed by the nominee/legal heir.

●        A copy of the police Panchanama/inquest Panchanama, FIR, post-mortem report, and death certificate.

●        Attested copy of the viscera report (only if it is preserved and sent for further analysis which is mentioned on the post-mortem report).

●        NEFT details and cancelled cheque of the nominee/legal heir of the insured person.

●        A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

PTD (Permanent Total Disability), PPD (Permanent Partial Disability) and TTD (Temporary Total Disability) 

●        Duly completed claim form signed by the insured.

●        Attested copy of the disability certificate from a civil surgeon of a government hospital stating percentage of disability.

●        X-ray and medical examination reports supporting the disability.

●        Attested copy of FIR (if any).

●        Photograph of the patient before and after the accident, supporting the disability.

●        NEFT details and cancelled cheque of the insured person.

●        A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Children Education Bonus 

●        Bonafide certificate from school/college or certificate from the educational institution.

●        A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

Hospital Confinement Allowance/Medical Expenses Reimbursement 

●        First consultation letter from the doctor.

●        Duly completed claim form signed by the claimant.

●        Hospital discharge card.

●        Hospital bill giving detailed break-up of all expense heads mentioned in the bill. Clear break-ups have to be mentioned for OT charges, doctor’s consultation and visit charges, OT consumables, transfusions, room rent, etc.

●        Money receipt, duly signed with a revenue stamp.

●        All original laboratory and diagnostic test reports, for example, X-ray, ECG, USG, MRI Scan, haemogram, etc.

●        Other documents may be required by Bajaj General Insurance to process the claim.

●        A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

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 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.

To understand the different types of covers available under this policy,

We offer a whole lot when it comes to Personal Guard.