Accident Prime Add-On (Private Car)

Accident Prime covers in-clinic doctor consultations (general practitioners, specialists, and super-specialists), teleconsultations, doctor-prescribed investigations (radiology and pathology), and diet/nutritional consultations at network hospitals and through the Bajaj General App.

No, Accident Prime only covers injuries caused due to accidents involving your insured private car. Accidents in any other class of vehicle are not covered under this policy.

Accident Prime specifically covers injuries sustained during a car accident. It does not cover treatment for pre-existing medical conditions or any medical/surgical treatments.

No, Accident Prime does not cover third-party injuries or damages. It only covers medical expenses for the driver and passengers inside your insured vehicle.

The Digital Health Vault is a secure online storage system provided with Accident Prime that allows you to save and access your health documents digitally in a protected manner.

After receiving treatment at a network hospital or through teleconsultation, you can file a claim by submitting the required medical documents, bills, and accident details through our claim portal or Bajaj General App.

For reimbursement, you should preferably visit network hospitals and labs. Treatment at non-network facilities may not be covered.

Typically, you'll need to submit medical bills, prescription copies, diagnostic test reports, accident details (FIR or police report if applicable), and the claim form. Your insurer will provide a complete list of required documents.

No, intentional self-harm, self-inflicted injuries, and injuries caused by the use of intoxicating substances are explicitly excluded.

No, treatment related to alcoholism, drug abuse, or any addictive condition will not be covered.

No, Accident Prime is an add-on coverage to your motor insurance policy. It must be renewed along with your base motor insurance policy.

No, there will not be any increase in your premium on renewal if a claim is made under this add-on.

Yes, during renewal, you can typically upgrade your wallet limit based on your changing needs and budget

If you don't renew on time, your coverage will lapse along with your motor insurance policy. You'll lose the medical coverage benefits, and any accidents occurring during the lapsed period will not be covered.

No, add-on covers like Accident Prime are added at the time of motor policy purchase or renewal with Bajaj General Insurance Company. However, some insurers may allow mid-term additions. Contact your insurer to check if this option is available for your policy.