Personal Accident Insurance

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

Extensive cover

This policy ensures:

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

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

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

4. 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.

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.

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.

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.

This policy provides total coverage against death, injury or disability caused due to accidents with various benefits:

Family discount

Insure your family and avail a family discount of 10%.

Hassle-free claim settlement

Our in-house claim settlement team provides seamless and quick claim settlement. We also offer cashless facility at more than 18,400+ network hospitals* across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Flexible premium computation

The premium differs in case of different risk levels determined by your occupation

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

Risk Level II: Manual labour, garage mechanic, machine operator paid driver (car/truck/heavy vehicles), cash-carrying employee, builder, contractor, a veterinary doctor.

Risk Level III: Workers in underground mines, electric installations with high tension supply, jockey, circus performers, big game hunters, mountaineers, professional river rafters and similar occupations.

Note: For occupations not specified above, please inquire with us.

Annual Premium Rate

You can choose from a range of premium options based on your requirements:

Cumulative bonus

Avail a cumulative bonus of 10% for every claim-free year up to a maximum of 50%, reduced by 10% if a claim is registered.

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.