Premium Personal Guard

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.

Here are the key categories of people who should consider opting for this insurance cover:

1. Regular Commuters: If you are someone who has to regularly commute for work or other purposes, this insurance can provide comprehensive coverage against accidental injuries or death while you are outside India.

2. Individuals with specific lifestyles: If your job or hobbies include activities with a more chance of accidents, like adventure sports, construction, or working in remote areas, this insurance can help cover costs if you get injured or disabled.

3. Expatriates and Non-Resident Indians (NRIs): If you are an Indian citizen residing or working abroad, this insurance can serve as an additional layer of protection against accidents and accidental death while you are outside India.

4. Families with Dependents: If you have financial dependents, such as a spouse or children, this insurance can provide a lump sum benefit in case of accidental death or permanent total disability, ensuring financial security for your family.

5. Business Travelers: If you frequently travel abroad for business purposes, this insurance can provide coverage for accidental injuries, emergency medical expenses, and other related benefits while you are on official trips.

Coverages Under This Policy

1.Death

In case of death due to accidental bodily injury of the proposer, 100% of the Sum Insured would be paid to the nominee.

2.Permanent Total Disability (PTD)

In case of PTD due to accidental bodily injury, 200% of the Sum Insured is payable for the proposer.

3.Permanent Partial Disability (PPD)

In case of PPD due to accidental bodily injury of the proposer, a percentage of the Sum Insured as shown in the PPD table would be payable. The claim payment under Death, PTD, and PPD would be restricted to 50% for the spouse and 25% for the child, provided the spouse and child are covered under the policy.

4.Temporary Total Disability (TTD)

In case of TTD due to accidental bodily injury of the proposer, a weekly benefit would be payable as per the plan opted. The claim payment under the TTD benefit would be restricted to 50% for the spouse.

5.Transportation of Mortal Remains

If a claim under Death of you/your family member(s) named in the schedule is accepted, the actual cost of transporting the remains from the place of death to a hospital, cremation ground, or burial ground will be paid. The amount paid will be limited to the lower of Rs. 5,000/- or 2% of the Sum Assured shown under the schedule.

6.Children's Education Bonus

In case of Death or Permanent Total Disability of the proposer, a one-time payment of Rs. 5,000/- each towards the cost of education of up to 2 dependent children under the age of 19 on the date of the accidental bodily injury.

7.Hospital Confinement Allowance

Rs. 1,000/- to Rs. 2,500/- per day, as per the plan opted, for a maximum of 30 days of hospitalization.

8.Accidental Hospitalization Expenses

Reimbursement of the cost of medical expenses due to accidental injury up to the Sum Insured.

9.Cumulative Bonus

For every claim-free year, you are eligible for a Cumulative Bonus (CB) of 10% of the Sum Insured. The maximum cumulative bonus would be 50% of the Sum Insured up to 5 claim-free years. In the event of a claim, the Cumulative Bonus will be reduced by 10% of the Sum Insured on the next renewal.