Personal Accident Insurance

Personal accident policies provide financial support in case of death/injury/disability as a result of an accident. Unexpected medical expenses can be a major setback financially. A comprehensive personal accident insurance allows you to be financially secure, even after an unforeseen event.

A personal accident insurance policy provides financial protection against injuries, disabilities, or death caused by accidents. It covers medical expenses, hospitalisation, temporary or permanent disabilities, and accidental death. Additional benefits often include children’s education bonuses, transportation costs for the mortuary, and a weekly income.

Personal accident insurance policies exclude specific scenarios such as self-inflicted injuries, suicide, accidents caused under the influence of alcohol or drugs, and injuries arising from illegal activities or criminal acts. Other exclusions may include participation in hazardous activities like racing, adventure sports, or military operations.

A personal accident insurance policy provides financial support in the event of accidental injuries, disability, or death. Unlike a life or health insurance policy, it covers only accident-related events and not natural death or illness.

Yes, Bajaj General allows you to purchase a personal accident insurance policy for your spouse, children, and parents under the same plan, ensuring family-wide protection.

This policy covers accidental death, permanent and partial disability, temporary disability, hospital confinement allowance, child education benefit, and medical expense reimbursement related to an accident.

You can choose a sum insured of up to 25 lakhs, depending on the product variant and your eligibility. It is advisable to select an amount aligned with your income level.

Yes, the personal accident insurance policy covers both permanent total and permanent partial disability as per the defined scale of benefits mentioned in the policy terms.

Yes, exclusions include self-inflicted injuries, war-related incidents, childbirth, mental illness, or death due to illness, which are not covered under this health insurance policy.

Yes, you can opt for additional covers like hospital confinement, medical expenses, and adventure sports add-ons to enhance your existing personal accident insurance policy.

In most cases, like death or permanent disability, Bajaj General Insurance Company pays the claim as a lump sum amount to the insured or nominee, depending on the benefit type.

In the unfortunate event of accidental death, 100% of the sum insured is paid to the nominee mentioned in the personal accident insurance policy.

In most cases, a pre-policy medical check-up is not required, unless you opt for a very high sum insured or are in a higher-risk occupation.

Yes, Bajaj General Insurance Company may request income proof if you apply for a higher sum insured to ensure the cover aligns with your earning capacity.

Yes, NRIs can purchase a personal accident insurance policy in India; however, they should verify the eligibility and claim process for overseas incidents.

Bajaj General Insurance doesn't offer worldwide coverage, but some variants, like Global Personal Guard, offer worldwide coverage. Please refer to the respective product brochure for confirmation of coverage limits and terms.

No, personal accident insurance policy coverage begins immediately from the policy's start date, once payment is made and the proposal is accepted.