What is a free look period?

Under transportation cover, if a claim for the insured person's death is accepted, the insurer covers the cost of transporting the remains up to ₹5,000 or 2% of the sum assured, whichever is lower.

What are the premium rates for the personal accident insurance?

Premium Personal Guard offers various plans with different sum insured options and premiums. (The premium breakdown remains unchanged as originally provided.)

Accident Insurance

Premium Personal Guard

Name: Premium Personal Guard – Accident Cover Up to ₹25L
Brand: Bajaj General Insurance
Rating: 4.67 (18050 reviews)

Get Quote

Key Features

Secure Your Future Against Accidents

Coverage Highlights

Key Benefits of this Plans

Assured Payout

Acts as a financial cushion by paying a lumpsum amount in case of accidental death/ disability to protect you or your dependents from hardships of life

Financial Peace of Mind

Provides financial security to the insured's family in the event of the insured's Accidental Death and Permanent Total Disability

Cover Types

Offers financial protection by covering Accidental Death, Disabilities, Medical Expenses, and other related costs due to accidents

Note

Please read Policy wording for detailed terms and conditions

Inclusions

What’s covered?

Accidental Death Cover

Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date

Permanent Total Disability (PTD) Cover

Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date

Permanent Partial Disability (PPD) Cover

Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date

Temporary Total Disability (TTD) Cover

Pays agreed amount in case of accidental bodily Injury of the proposer

Exclusions

What’s not covered?

Self Inflicted Acts

Self-injury, illegal activities, hazardous activitirs and more

Intoxication

While under the influence of liquor or drugs , alcohol or other intoxicants

Pre-existing Condition(s)

Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

Participation in Hazardous Activities

While engaged in hazardous activity unless specifically insured

War & Related Perils

The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders

Pregnancy and Childbirth

Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered

Adventure Sports Benefit

Whilst engaging in Adventure Sports unless specifically insured

Note

Please read Policy wording for detailed exclusions

Additional Covers

What else can you get?

Transportation of Mortal Remains Cover

Pays up to 2% of Death Cover sum insured for expenses of transporting mortal remains

Children's Education Benefit

Pays agreed amount as educational cost in case of Death or Permanent Total disability of proposer towards dependent children under the age of 19

Hospital Confinement Allowance

Pays upto INR 2500 per day in case of hospitalization resulting from accidental bodily injury

Accidental Hospitalization Expenses Cover

Pays agreed amount in case of accidental hospitalization

Cumulative Bonus

10% cumulative bonus of Sum insured for every claim free year

What Is A Personal Guard Policy?

The Personal Guard Policy is a type of personal accident insurance that provides financial protection to policyholders against accidental injuries, disabilities, and death. During a crisis, the policy offers a lump-sum amount to the policyholder and their dependents, so they can cover medical bills, children’s education expenses and family healthcare costs without experiencing any financial strain.

With a maximum sum insured amount of ₹25 lakh, Bajaj General Insurance has designed the policy that includes accidental death, permanent total disability (PTD), permanent partial disability (PPD) and temporary total disability covers (TTD). However, the policy does not include self-inflicted injuries, intoxication, pre-existing conditions, or i njuries arising from activities such as aviation, motor racing, military operations, self-inflicted injuries, intoxication, etc.

Quick Overview:

1
Importance:
1. Unlike traditional insurance policies, this type of policy is specifically designed to cover risks incurred due to accidental events.
2
Why Choose Bajaj:
1. The policy provides a lump-sum benefit if accidental death or an eligible disability occurs within 12 months of the accident, so the policyholder get covered for treatment and related charges.
3
Premium Rates:
1. The premium for this policy is competitively priced, considering the high sum insured and comprehensive coverage it offers.
4
Coverage Details:
1. Personal Guard Insurance protects against accidental death, permanent partial disability, permanent total disability and temporary total disability.
5
Benefits:
1. A wide range of sum insured between ₹10 lakh and ₹25 lakh, availability of 10% cumulative bonus and comprehensive coverage at an affordable premium make it beneficial.
6
Eligibility:
1. Applicants and their spouses aged between 18 and 65 years are eligible for this plan. For dependent children, the age eligibility is 5 years to 21 years.
7
Claim Procedure:
1. To make a claim under the Premium Personal Guard insurance, you need to submit all the required documents. Upon approval, the claim will be paid.
8
Who Should Buy:
1. Regular commuters, individuals with hazardous jobs, expatriates and non-resident Indians, families with dependents and business travellers can buy.
9
Exclusions: Intoxication, self-inflicted injuries, pre-existing health conditions, pregnancy, childbirth and war-related perils are not included in the policy.
10
Factors Impacting Premium:
1. Severity of disability, policyholder’s age, and sum insured amount impact the policy premium.

Why Choose Bajaj General Insurance for Premium Personal Guard?

The reasons why you need to choose Bajaj General Insurance’s Personal Premium Guard Policy include:

1. Easy Renewal

Renewing a policy from Bajaj General takes barely a few minutes. The policyholder has to log in to their account, fill in the existing policy details, submit necessary documents, review and update the policy terms and pay the premium.
2. Global Expertise

Policy covers worldwide accidental injury but claim payments are made only in India and in Indian Rupees. Hospitalisation benefits are only for expenses incurred in India, ensuring peace of mind.
3. Children’s Education Bonus

In the event of the policyholder’s permanent disability or death, our Personal Guard Policy provides a one-time ₹5,000 additional payment to a dependent child (up to 2) to support their education expenses in case of income loss.
4. Seamless Policy Purchase

Purchasing the Premium Personal Guard from us is completely seamless. You only need to navigate our website or download the Bajaj General app on your mobile device, log in using your contact details, fill in the proposal form, submit the required documents and pay the premium.
5. High Sum Insured Amount

The policy has a high sum insured amount ranging between ₹10 lakh and ₹25 Lakh. This offers freedom to policyholders to choose the right coverage by analysing their personal requirements.
6. Wide Coverage

The Premium Personal Guard comes with wide coverage, including accidental death coverage, permanent partial disability (PPD), and provides weekly compensation for eligible Temporary Total Disability claims, as per the selected plan. For permanent total disability (PTD), up to 200% of the sum insured is payable.
7. Comprehensive Coverage

Offers protection through base and optional covers.
8. Cumulative Bonus

Avail a cumulative bonus of 10% of the sum insured for every claim-free year.
9. High Sum Insured

Choice of sum insured from INR 10 Lacs to INR 25 Lacs.

What are the Benefits of Premium Personal Guard?

Buying the Premium Personal Guard has multiple benefits; these include:

Ensures Peace of Mind

The Personal Guard plan ensures peace of mind not only for the policyholders but also for the dependents. So, in case there is an accidental event that causes permanent total disability or death, the families can manage immediate expenses such as children’s education and other mandatory expenses.

Immediate Financial Support

Using the accidental death benefit cover, policyholders and dependents can receive 100% of the sum insured amount as a lump sum. This works as an immediate financial safety net in times of crisis.

Income Protection

In case of a permanent total disability caused by an accident, the Personal Guard Policy offers financial compensation of 200% of the sum insured amount. This amount works as an income replacement and lifestyle modification aid.

Support for Partial Loss

The permanent partial disability cover compensates up to a certain percentage of the sum insured. For example, if an arm at the shoulder joint is affected, the policy will cover 70%; if hearing of one ear is affected, you will receive 30% of the sum insured and so on.

Hospital Confinement Allowance

A hospital confinement allowance will be paid. This is offered for a maximum of 30 days of hospitalisation.

Coverage for Transportation of Mortal Remains

Upon the death of the insured, the beneficiaries will receive a certain amount towards covering the cost of transporting the mortal remains from the place of death to a hospital.

Who Should Opt for Personal Guard Policy?

1
Regular Commuters:
Individuals who commute to their workplaces, experiencing traffic congestion regularly, can opt for this type of personal accident insurance.
2
Expatriates and Non-Resident Indians:
Both Indian citizens and non-resident Indians living abroad can benefit from the Premium Personal Guard Policy. It can serve as an additional layer of financial protection against accidental occurrences.
3
Individuals with a Specific Lifestyle:
Those who have hazardous jobs and hobbies can apply for this type of policy to secure not only their own but also their family’s financial stability.
4
Families with Dependents: If you have multiple dependents in your family, you can invest in this type of personal accident insurance to be prepared for life’s accidental uncertainties.

Why Insure Your Health with Bajaj General?

Buy Now

Cashless Coverage

Access 18,400+ hospitals, all cashless!

Quick Claim Settlement

Sixty minutes is all it takes!

Cumulative Bonus

Get more!!

Claim-On-The-Go

Get instant claim payout upto INR 20,000 through our App.

Choice of Sum Insured

Custom-create a health plan for yourself

Financial Security for Your Family

In case of death or severe injuries of the breadwinner can set back the entire family

Income Loss Due To Disability

About 30% households reported decline in their income post an accident

Affordability vs Risk

An affordable monthly premium can provide coverage worth 20X your annual income

What is Covered Under the Premium Personal Guard Policy?

The Premium Personal Guard Policy offers comprehensive protection against unforeseen accidents. Here are the key coverages under the policy:

The accidental death benefit provides 100% of the Sum Assured to the nominee if the insured person dies due to an accidental bodily injury within 12 months of the accident.

If an accident results in permanent total disability that prevents the insured person from earning a livelihood, the policy offers financial compensation.

The policy compensates as per disability percentage when an accident causes permanent partial loss of a body part or function.

If an accidental injury temporarily prevents the insured from participating in their occupation, the policy pays weekly compensation.

The Personal Guard Policy offers financial support towards the education of dependent children if the insured suffers accidental death or a permanent disability.

When it comes to covering hospitalization charges resulting from a covered accidental injury, the policy pays a fixed daily amount.

For each claim-free year, a cumulative bonus of 10% of the sum insured is offered during policy renewal.

After a death claim approval, beneficiaries can use additional payout from the policy to cover transportation charges of bringing the mortal remains from the accident spot to a hospital.

Note: The coverage availability, limits, conditions, exclusions, and optional benefits may vary depending on the selected Premium Personal Guard Policy. Refer to the policy wording for complete details.

Step-by-Step Guide

How to Buy Personal Guard Online?

How to Buy

1

Visit Bajaj General website
2

Enter personal details
3

Compare health insurance plans
4

Select suitable coverage
5

Check discounts & offers
6

Add optional benefits
7

Proceed to secure payment
8

Receive instant policy confirmation

Buy Now

How to Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

How to Claim

1

Notify Bajaj General about the claim using app
2

Submit all the required documents
3

Choose cashless or reimbursement mode for your claim
4

Avail treatment and share required bills
5

Receive claim settlement after approval

Claim Now

How to Port

1

Check eligibility for porting
2

Compare new policy benefits
3

Apply before your current policy expires
4

Provide details of your existing policy
5

Undergo risk assessment by Bajaj General
6

Receive approval from Bajaj General
7

Pay the premium for your new policy
8

Receive policy documents & coverage details

Port Now

Download Policy Document

Get instant access to your policy details with a single click.

Brochure

Policy Wordings

Proposal Form

Claims Form

Customer Info Sheet

Download

How to Make a Claim for Your Bajaj General Personal Guard?

Following the prescribed process, making a claim under your Premium Personal Guard Policy is simple. Depending on the treatment facility and policy provisions, the policyholder can choose either a cashless claim or a reimbursement claim.

However, irrespective of claim type, it is mandatory to ensure that all the required documents are submitted within the stipulated timeline, as it facilitates smooth claim processing.

Let us look at how cashless and reimbursement claims work under the Premium Personal Guard:

Cashless Claim

Inform us as soon as the accident takes place.

Visit a network hospital and present your health card at the TPA desk.

Fill out the cashless claim request form with accurate information.

Submit all necessary records and identity documents for verification.

The hospital will coordinate with us directly for claim authorization.

After approval, we will cover the eligible medical expenses.

Reimbursement Claim

Receive treatment at any hospital of your choice and pay the medical expenses.

Notify us about the claim within the prescribed timeline.

Complete the claim form and attach all necessary supporting documents.

Submit original hospital bills, discharge summary, medical reports, prescriptions, and payment receipts.

We will review the submitted documents and assess the claim as per the policy terms.

Once approved, the admissible claim amount will be reimbursed to your registered bank account.

Documents Required for Claim Premium Personal Guard

To ensure faster claim processing, keep the following documents ready:

Duly filled and signed claim form

Copy of the Premium Personal Guard Policy

Valid identity proof of the insured

Address proof (if required)

Hospital admission and discharge summary

Medical reports and diagnostic test results

Original hospital bills, invoices and payment receipts

Doctor's prescriptions and consultation papers

FIR, Panchanama or Police Report (for accident cases, wherever applicable)

Post-mortem report and death certificate (for accidental death claims)

Disability certificate issued by the authorised medical practitioner (for disability claims)

Cancelled cheque or bank account details for reimbursement

Any additional documents requested during claim assessment

Frequently Asked Questions on Premium Personal Guard

What is an Accident Insurance Policy?

An accident insurance policy offers financial protection against unforeseen accidents. It covers accidental death, permanent or partial disability, and medical expenses incurred due to injuries. This policy ensures that you and your loved ones are financially secure in case of accidental mishaps.

Who is the Health Administration Team?

The Health Administration Team (HAT) is an in-house team of medical professionals, including doctors and paramedics. They handle policy underwriting, claims processing, and customer assistance. HAT serves as a single point of contact for health insurance policyholders, ensuring quick claim settlements and efficient query resolution.

What is Premium Personal Guard Insurance?

Premium Personal Guard is a comprehensive accidental insurance plan that safeguards you and your family against unforeseen events such as accidental death, permanent or partial disability, and hospitalisation due to accidents. It is one of the trusted types of insurance policies designed to provide financial security and peace of mind.

What is the eligibility for Premium Personal Guard insurance?

The Premium Personal Guard policy is available to individuals aged 18 to 65 years for the proposer and their spouse. Children between the ages of 5 and 21 years are also eligible for coverage under the policy.

What disabilities does the policy cover?

This policy covers permanent total disability, permanent partial disability, and temporary total disability arising from accidental bodily injury. The benefits vary as per the disability type, ensuring fair compensation. Such extensive coverage makes Premium Personal Guard one of the most flexible types of insurance policies available.

Is there a hospital confinement benefit?

Yes, the policy offers a hospital confinement allowance ranging from ₹1,000 to ₹2,500 per day, depending on the plan opted for, for a maximum of 30 days. This benefit helps manage daily expenses during hospitalisation due to accidental injuries.

Is a cumulative bonus offered for claim-free years?

For every claim-free year, you are eligible for a cumulative bonus of 10% of the sum insured, up to a maximum of 50%. This reward for maintaining a claim-free record increases your overall coverage without additional cost.

Is a pre-policy medical examination required?

Generally, a pre-policy medical examination is not mandatory for most applicants under the Premium Personal Guard policy, unless specifically requested by the insurer based on age or health conditions. You can easily buy online health insurance without the hassle of routine medical tests.

What sum insured options are available?

The Premium Personal Guard policy offers high sum insured options ranging from ₹10 lakhs to ₹25 lakhs. You can choose a coverage limit that suits your requirements and budget, making it easy to buy online health insurance that provides sufficient protection for your family.

How do I submit my claim?

If you meet with an accident and injure any part of your body that may result in a claim, you or a loved one who is making the claim on your behalf must inform us in writing immediately or within 14 days. In case of death due to an accident, it must be informed to us in writing immediately, and a copy of the post-mortem report should be sent to us within 14 days.

How soon will my claim be settled?

Bajaj General Insurance believes in quick processing of claim settlements. Claims are processed within seven working days from the date of fulfilling all the requirements.

How do I get my Premium Personal Guard policy?

You can purchase the Premium Personal Guard policy by calling our toll-free number or contacting one of our authorised agents. Alternatively, you can visit our website (www.bajajgeneralinsurance.com) to complete the purchase online through a simple and convenient process.

Insurance Samjho

अ

View All

Saving vs Medical Expenses

Is Health Insurance just an expense

MHCP EDGE +

Kitna Health Insurance Cover Enough Hai?

Home Insurance-All Risk Cover

Home Insurance-Long Term Cover

Home Insurance-No Content Declaration

Home Insurance-World Wide coverage

Take control of your digital security

Data Privacy Day | Bajaj General Insurance

Be Cyber Jagrook

Explore Our Health Insurance Articles

View All

Domiciliary Hospitalisation in Health Insurance: All You Need to Know

What is Domiciliary Hospitalisation Meaning?
When Does Domiciliary Hospitalisation Apply?
How Does Domiciliary Hospitalisation Work?

Can I Get Health Insurance Without Medical Tests?

What is Health Insurance Without a Medical Check-up?
How Does Health Insurance without Medical Check-Up in India Work?
What are the Types of Health Insurance Plans Without a Medical Check-Up in India?